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What are the different types of auto insurance?

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What coverage is standard on every car insurance policy?

Bodily Injury Liability 
If you cause an auto accident in which another person or people are injured, this coverage will pay for the cost of their injuries. More about Bodily Injury Liability

Property Damage Liability 
If your car damages someone else’s property, this coverage will pay for the cost of the repairing or replacing it. This most often refers to someone else’s car, but it could also be another item, like a fence or a mailbox. More about Property Damage Liability

New Car Replacement 
If your car is deemed a total loss, you won’t have to settle for its depreciated value. We’ll give you the money for a brand new car if your totaled car is under a year old and has less than 15,000 miles on it.1 More about New Car Replacement

Medical Payments 
If any of your car’s occupants are injured in an accident, this pays for their initial medical expenses. More about Medical Payments Coverage

What additional coverage options are available?

Adding the following coverage and feature options to your standard auto insurance policy will provide you with added protection, beyond your state’s minimum insurance requirements.

Collision Coverage
If your car is damaged by an impact with another car or object, this pays for the cost of repairs. More about Collision Coverage

Comprehensive Coverage
If your car is damaged by something other than a collision, like theft or fire, this pays for the cost of repairs. More about Comprehensive Coverage

Accident Forgiveness
With Accident Forgiveness, your price won’t go up due to your first accident. We offer this benefit if you are accident free and violation free for five years, whether you’ve been with Liberty Mutual Insurance or a prior insurance carrier.2 More about Accident Forgiveness

Better Car Replacement
If your car is deemed to be a total loss, we’ll give you the money for a better car that’s one model year newer with 15,000 fewer miles, not just the depreciated value of your old car.3 More about Better Car Replacement

Rental Car Reimbursement
When you’re involved in an accident, this pays for the cost of a rental car for as long as it takes to fix your car at a Liberty Mutual-approved repair facility.4 More about Rental Car Reimbursement

Deductible Fund
When added to your policy, this lowers the amount of your collision deductible and the money you pay out-of-pocket in the event of a claim. Liberty Mutual will immediately put $100 into the fund to get it started. More about Deductible Fund

Lifetime Repair Guarantee
When you choose to have your vehicle fixed at a Guaranteed Repair Network facility, we’ll guarantee the repairs for as long as you own it.5 More about Lifetime Repair Guarantee

Teacher’s Insurance
Special features and discounts designed with the needs of educators in mind. More about Teachers Auto Insurance

What are the car insurance requirements in my state?

Auto insurance requirements differ from state to state. Liberty Mutual can guide you to a policy that meets your state’s legal standards and fulfills your unique coverage needs.
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