Auto Insurance Coverages

Liability
If you hurt someone or damage someone’s property in an accident, we’ll pay for covered damages and also defend you if someone sues you as a result.

Medical Payments / Personal Injury Protection
We’ll pay for covered medical expenses up to policy limits for anyone injured while in your vehicle, regardless of who is at fault.

Uninsured / Underinsured Motorists
If you’re in an accident caused by someone who doesn’t have insurance, or not enough, we’ll cover you and other passengers in your vehicle, up to your policy limits.

Collision
If you add Collision coverage, you’re covered if your car rolls over, hit by another car, or hits another car or object, minus your deductible.

Comprehensive
You may purchase this coverage to protect your car if it is stolen or damaged by something other than collision, such as fire, vandalism, windstorm, earthquake or hail. A deductible applies.

New Car Replacement
With New Car Replacement, you’ll get the money for a brand new car if yours gets totaled. We will replace your new vehicle with no depreciation charged if it is declared a total loss. This program is available to you if your car is owned by you, is less than one year old, has less than 15,000 miles, and was not previously owned. The program is not available in North Carolina or Wyoming and a deductible applies.

Unlimited Rental Coverage
If you are ever in an accident, you can rely on our optional Unlimited Rental Coverage to pay your rental costs for as long as it takes to fix your car. You must purchase this coverage and elect to have your car repaired at a Liberty Mutual-approved facility and allow Liberty Mutual to arrange for the rental car. Program availability varies by state and daily limits apply.

Mechanical Parts Replacement
A car is only as reliable as its parts. When your car is repaired at a Liberty approved shop, you’re covered for car parts damaged in a covered accident without depreciation, no matter how old they are. The loss must be covered by your policy.

Car Windshield Repairs
If you have Comprehensive or Glass Coverage and your windshield or other safety glass is damaged, if you choose, we’ll arrange for service at your home, place of employment or other convenient location, and we guarantee a quality repair or replacement.

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