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.
Better Car Replacement™
With this optional coverage, if your car is totaled we'll give you the money to replace it with a car that is one model year newer and has 15,000 less miles on it.*
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.
Multicar Insurance: Multiple Cars Insurance Policies
Car insurance is one of the painful necessities of life for a motorist. If trying to arrange insurance cover for multiple cars and several people, then the process can quickly become a financial and administrative nightmare. Fortunately, the development of multiple car insurance policies and multi car insurance products means that there is now a credible solution available to those wanting to pool resources.
Multicar Insurance: What is Multiple Car Insurance?
In short, multiple car insurance policies are designed to provide an effective way of obtaining cover for a pool of cars to be used by a number of drivers within a household or group. The benefit is that rather than each driver having a separate policy for each vehicle, one policy is issued covering all vehicles and drivers within the car pool.
Such policies see a significant reduction in the time needed to arrange insurance, once a policy has been setup, those making use of the policy will only have to consider one annual renewal and one set of payments. This can be a significant time saving, especially if there are a large number of vehicles and drivers in the car pool. In addition, shopping around may mean that a multicar policy is actually a cheaper option than insuring each of the vehicles separately.
Multiple Car Insurance: The Features of a Multi Car Insurance Policy
Here are some of the key features and benefits to lookout for if considering buying a multicar policy:
- Start Up – Many insurance companies will allow the start up of a policy with just one or two cars, subsequent cars are then added to the policy as their existing insurance expires.
- Additional Cars – Look for a policy which allows one to add additional cars at a later date without penalty charges.
- Exclusions (Drivers) – If taking out a multicar insurance policy, then check for any exclusions, which relate members of the car pool. Such exclusions may relate to penalty points, previous driving convictions and pre-existing medical conditions.
- Exclusions (Vehicles) – If the insurance policy is to be built over a period of time, check that all of the vehicles that are eventually to be added to the policy are eligible for cover. Some insurers may be reluctant to add certain vehicles, such as high value models or specialist vehicles.
