If you have a covered accident, you can rely on a rental car reimbursement to pay the cost of renting a car. If you decide to have your car serviced at a repair center authorized directly by Liberty Mutual and allow us to arrange the rental of the car, we will pay the rental expenses for as long as necessary to repair your car. An auto insurance policy for non-homeowners allows drivers to have coverage when they rent or borrow a vehicle that they don't own. It also covers people who don't own a car but need to have car insurance to recover their driver's license after it has been revoked.
Insurance for non-homeowners can be a relatively inexpensive way to ensure that you're covered when you're driving, even if you don't have a car. An insurance agent can guide you through the process to determine what insurance is best for your lifestyle, considering cost and value. Two claims in one year can significantly increase your insurance rates, so you may want to exercise caution and purchase insurance. However, car insurance premiums for people who don't belong to the homeowner usually cost less than the deposit, and you can pay them monthly instead of paying them all at once.
If you frequently use a rideshare platform and want better coverage in the event of a collision, see if it makes more financial sense to buy your own car insurance policy other than the owner's or simply pay for the improved policy with each loan. So, if you have an older car that has accumulated a ton of miles, you may not have enough coverage to rent a full-size or luxury car. Yes, Liberty Mutual offers discounts on Enterprise rental vehicles to customers who have purchased rental reimbursement coverage. If you rent cars frequently, buying your own car insurance policy that isn't from the owner may end up being cheaper than buying the car rental company's policy.
Regional insurers such as Dairyland Auto Insurance in Wisconsin and Serenity Insurance in Washington also offer policies. In addition to offering discounts to customers on Enterprise rental vehicles, Liberty Mutual rental vehicle reimbursement insurance helps cover the cost of a rental car if your car is being repaired after a covered accident. The Liberty Mutual policy will be extended to rental vehicles, so you won't have to purchase additional coverage with the rental company unless you want higher limits or additional types of insurance. A Liberty Mutual alternative to temporary auto insurance is a non-owner policy, which is available to drivers who don't own a vehicle or don't have regular access to it.
For more information, see WalletHub's guides on rental car insurance and rental reimbursement coverage. These policies are secondary to any insurance you already have, meaning that they cover the leftover costs of your accident once your personal auto insurance policy runs out. If liability amounts aren't enough to cover your assets, you can consider purchasing a non-homeowner's car insurance policy to cover any additional costs beyond the amount of liability related to an accident.