What Does Liberty Mutual Car Insurance Cover

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What Does Liberty Mutual Car Insurance Cover
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What Does Liberty Mutual Car Insurance Cover?

When it comes to protecting your vehicle, Liberty Mutual car insurance offers a wide range of coverage options. Whether you’re looking for basic protection or comprehensive coverage, Liberty Mutual has you covered. In this article, we will explore the various types of coverage offered by Liberty Mutual and how they can benefit you.

Liability Coverage

Liability coverage is a foundational component of any car insurance policy. It protects you financially in case you cause an accident and are held responsible for the damages. Liberty Mutual offers both bodily injury liability and property damage liability coverage.

Bodily injury liability coverage helps pay for the medical expenses of other people injured in an accident that you caused. It also covers legal expenses if you are sued as a result of the accident.

Property damage liability coverage, on the other hand, helps cover the cost of repairing or replacing someone else’s property that was damaged in an accident you caused. This could include vehicles, fences, or other structures.

Collision Coverage

If your car is damaged in a collision, Liberty Mutual’s collision coverage can help cover the cost of repairs. This coverage applies regardless of who is at fault for the accident. It can also help cover the cost of replacing your vehicle if it is deemed a total loss.

Collision coverage is especially important if you have a newer or more expensive vehicle, as the cost of repairs can be substantial.

Comprehensive Coverage

Comprehensive coverage is designed to protect your vehicle against damage that is not the result of a collision. This can include damage from theft, vandalism, fire, or natural disasters.

With Liberty Mutual’s comprehensive coverage, you can have peace of mind knowing that your vehicle is protected in a wide range of scenarios.

Uninsured/Underinsured Motorist Coverage

Unfortunately, not all drivers carry sufficient insurance coverage. If you are involved in an accident with an uninsured or underinsured motorist, you could be left responsible for the damages.

Liberty Mutual’s uninsured/underinsured motorist coverage helps protect you in these situations. It can help cover the cost of medical expenses, lost wages, and other damages resulting from the accident.

Medical Payments Coverage

Medical payments coverage, also known as MedPay, helps cover medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.

This coverage can be particularly beneficial if you do not have health insurance or have high deductibles. It can help ensure that you receive the necessary medical care without facing significant out-of-pocket expenses.

Rental Car Reimbursement

If your car is being repaired after an accident, Liberty Mutual’s rental car reimbursement coverage can help cover the cost of a rental vehicle. This ensures that you have a means of transportation while your car is being fixed.

Having rental car reimbursement coverage can be particularly helpful if you rely on your vehicle for commuting to work or other essential activities.

Roadside Assistance

Liberty Mutual also offers roadside assistance coverage, which provides help in case you experience a breakdown or other roadside emergency. This can include services such as towing, jump-starts, fuel delivery, and lockout assistance.

Having roadside assistance coverage can give you peace of mind knowing that help is just a phone call away if you find yourself stranded on the side of the road.

New Car Replacement

If your new car is totaled within the first year or a specific mileage limit (usually 15,000 miles) of ownership, Liberty Mutual’s new car replacement coverage can help cover the cost of a brand-new vehicle, rather than just the depreciated value.

This coverage is especially beneficial if you have a new car that would suffer a significant loss in value if it were to be totaled.

Accident Forgiveness

Accidents happen, but they can have long-term financial consequences. Liberty Mutual’s accident forgiveness coverage allows you to avoid a rate increase after your first accident, helping to keep your premiums affordable.

Accident forgiveness can be especially beneficial if you have a clean driving record and want to maintain lower insurance rates.


Liberty Mutual car insurance offers a comprehensive range of coverage options to protect you and your vehicle. From liability coverage to collision and comprehensive coverage, as well as additional benefits like rental car reimbursement and roadside assistance, Liberty Mutual has you covered in various situations. Consider your specific needs and budget to choose the coverage options that best suit you. Remember, having adequate car insurance is not only a legal requirement but also provides valuable financial protection and peace of mind.