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What coverage is standard on every car insurance policy?
If you cause an auto accident in which another person or people are injured, this coverage will pay for the cost of their injuries.
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.
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
What additional coverage options are available?
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
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
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.