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Liberty Mutual Car Insurance Policy
Liberty Mutual has a nice variety of optional coverage features and there are great discounts available. It offers both usage-based and pay-per-mile insurance programs, but the higher-than-average level of car insurance claims can be a deterrent.
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This pays for the injuries and property damage you accidentally cause to others in a car accident. Auto insurance also covers legal fees and court judgments or settlements if you are sued because of a car accident.
Uninsured motorist (UM) insurance helps pay for medical expenses for you and your passengers and for damage to your car in the event of a collision with an uninsured driver. UM is required in some states and optional in others (you can decline coverage in writing). Underinsured motorist insurance helps cover medical expenses for you and your passengers and damage to your car if a driver who doesn't have enough liability insurance hits you.
Medical coverage covers necessary medical expenses for you and your passengers injured in a car accident, regardless of fault. It is usually sold in small quantities ($1,000 to $5,000). This coverage is also known as MedPay and is not available in all states.
Personal Injury Protection (PIP) covers the medical bills of you and your passengers who are injured in a car accident, regardless of fault. PIP also pays for lost wages and covers replacement services if you are unable to do normal household work, such as cleaning.
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PIP is required in 15 states, optional in four states and Washington, and not available in other states.
Collision insurance pays for your car to be repaired or replaced if it is damaged in a car accident or collides with another object, such as a fence or tree. Third party liability insurance pays regardless of fault.
Comprehensive insurance pays for the repair or replacement of the vehicle if it is stolen or damaged as a result of fire, vandalism, flood, hail and other severe weather conditions, falling objects or hit by an animal.
Liberty Mutual Auto Insurance offers various insurance features that you can add to extend your coverage:
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Optional accident forgiveness insurance prevents rates from increasing after the first accident. You must be free of accidents and violations in the past five years to qualify for Liberty Mutual Accident Forgiveness Insurance.
Your auto insurance deductible is the amount that is deducted from your compensation check when you file a collision or comprehensive insurance claim. Liberty Mutual offers a declining deductible under its deductible fund. The deductible fund allows drivers to reduce their deductible amount by $100 per year.
If you participate in a deductible fund, you will pay $30 per year and in return, Liberty Mutual will reduce your deductible by $100 per year. If you make a claim, your deductible will be reduced by the balance of your deductible fund.
For example, suppose you have a share of the $500 deductible and you have an accident after participating in a deductible fund for three years. Your deductible will be reduced to $200 because your deductible fund covers the remaining $300.
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If you lease or finance your car, Liberty Mutual offers gap insurance. If your car is totaled or stolen, gap cover insurance will cover the difference between the value of your car and the loan or lease amount you still owe.
Liberty Mutual offers new car replacement insurance for drivers purchasing a new car. If your car is scrapped or stolen in the first year you own it, or before 15,000 miles have been logged, the insurance provides money to buy a new car of the same make and model. Without replacing the new car, you will receive an amount equal to the value of the vehicle just before the accident, less the deductible.
If your car is a year or more old, you can buy 'better car replacement' insurance. This benefit gives you enough money to trade in a total car for a car that is one model year newer and has 15,000 miles less.
A lifetime repair warranty is included as standard with your Liberty Mutual car insurance policy. Car repair after a covered accident or incident is guaranteed for as long as you own the car if you use a Liberty Mutual garage to repair your car. Other benefits include Liberty Mutual payments directly to the shop for repairs and the ability to track repair progress in the Liberty Mutual app.
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Genuine spare parts allows you to replace failed components with original manufacturer (OEM) parts in the event of an accident covered by collision or comprehensive insurance. If OEM parts are not available or no longer manufactured, Liberty Mutual car insurance will cover the cost of comparable or remanufactured parts.
If your car is in the workshop for repairs due to an accident or other problem covered by your car insurance policy, the rental car reimbursement insurance covers the cost of the rental car.
Coverage varies by state and includes daily limits. If you use an approved repairer and let Liberty Mutual arrange your car rental, the insurance will cover the costs until the repair is completed. Otherwise, you may be limited in how long you can keep your rental car.
Liberty Mutual's 24-hour optional roadside assistance can help if your car breaks down. Also known as towing and labor insurance, it covers the costs of: towing to the workshop, battery jump start, tire change, emergency fuel delivery and assistance with opening doors.
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To help drivers save money, Liberty Mutual offers low mileage auto insurance, known as ByMile. With ByMile, you pay for car insurance based on the number of miles driven.
Liberty Mutual requires the ByMile plug-in to be installed in your car to track the number of miles driven. Liberty Mutual will bill you monthly for the miles (up to 150 miles per day) you drove in the previous month. You can download the ByMiles app to track your monthly mileage and trips.
According to Liberty Mutual, customers who use ByMile with pay-per-mile insurance can save an average of 25% on car insurance premiums over traditional auto policies. Please note that your savings are estimates and will vary based on condition and mileage.
Drivers who practice good driving habits can save 5% to 30% on car insurance by participating in the Liberty Mutual RightTrack usage-based insurance program, the company says.
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RightTrack monitors driving practices such as braking, night driving, acceleration and mileage for a 90-day inspection period. You must drive over 125 miles during the evaluation period to collect enough data to qualify for the final discount. You get an initial discount, usually 10%, just for signing up. Please note that if the final discount is less than the original discount, you will be charged the difference.
New York City drivers need to connect a device for RightTrack to track their driving. RightTrack uses smartphone apps in other states. RightTrack availability varies by state.
Liberty Mutual offers a variety of car insurance discounts, especially for safe drivers. Discounts and savings may vary by state.
Liberty Mutual is partnering with Lyft and Uber to provide carpooling insurance for drivers in certain states.
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On January 2, 2020, Liberty Mutual announced that it had been selected by Uber to provide insurance coverage for Uber drivers in Connecticut, Maine, Massachusetts, New Hampshire, Puerto Rico, Rhode Island, South Carolina and Vermont.
On October 1, 2020, Lyft selected Liberty Mutual to provide insurance coverage for riders using Lyft's ride-sharing platform in the following states: Arizona, Michigan, New Mexico, Texas and Utah.
Liberty Mutual provides car insurance coverage from the time ride-sharing drivers open the app and wait for a ride request until the ride ends.
As part of an innovative program, Liberty Mutual has partnered with Autonomy, an electric vehicle subscription company, to provide monthly car insurance.
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Autonomy services allow subscribers to drive an electric vehicle without leasing or financing, but under a flexible vehicle use contract. Drivers must register for at least three months, but then they can keep the car as long as they like and return the vehicle when it's done (with 28 days notice).
Liberty Mutual car insurance will be part of Autonomy's monthly subscription package. The package also includes vehicle tax, title, registration, routine maintenance and roadside assistance. To qualify for Liberty Mutual car insurance, subscribers use the Autonomy app to go through the qualifying process. If you qualify, you will see an insurance offer you can activate. The insurance fee is integrated into Autonomy's monthly subscription. Autonomy subscriptions are currently only available in California.
In addition to car insurance, Liberty Mutual sells motorcycle, RV, ATV and boat insurance. And if you like to collect vintage or classic vehicles, check out Liberty Mutual Classic Car Insurance.
The study is based on the opinion of professionals from car repair shops from all over the country. The repair specialists check how insurance companies compare the use of high-quality repair parts, repair procedures recommended by automakers, and whether companies offer customers fast and suitable claims handling processes.
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