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- Better Car Replacement
Better Car Replacement Insurance
If your car is totaled, we'll give you the money for a model that's one year newer.1
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What is Better Car Replacement™?
Adding Better Car Replacement coverage to your policy means that when your car is deemed a total loss, we'll give you the money for a replacement car that is one model year newer with 15,000 fewer miles than your current car. For instance, if your old car was a 2019 model with 35,000 miles on it, Liberty Mutual will give you the money for a replacement 2020 model with 20,000 miles on it.
Customized insurance to help get you a better car after a total loss
Who is Better Car Replacement coverage right for?
This add-on coverage is right for policyholders hoping to protect their newer vehicles in the event of a total loss.
- Policyholders that own their car; Better Car Replacement is not available for leased cars and motorcycles.
- Vehicle owners that would prefer to upgrade their vehicle in the event of a total loss.
What are the benefits of better car replacement coverage?
Better Car Replacement helps you fend off your old vehicle's depreciation in the event of a total loss.
- A replacement car that's one model year newer and has 15,000 fewer miles.
- Avoid owing more money on your totaled car than it is worth.
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1Optional coverage in some states; availability varies by state. Eligibility rules apply.