Liberty Mutual liability insurance typically extends to your rental vehicle while driving in the U.S. UU. Your personal liability insurance will cover other people's medical expenses and repairs to other people's property as a result of an accident you caused in your rental vehicle. Damage to the interior of rental vehicles is only covered if the damage is the result of an accident.
Unfortunately, auto insurance companies don't usually cover your vehicle's personal items, even if they're damaged in an accident. But if you're not at fault, you should file a car insurance claim with the at-fault driver's insurance company. It's common practice for insurance companies to allow you to rent a vehicle while yours is being repaired. If there's a flood, your car insurance company will cover water damage through comprehensive coverage.
Customers who have full coverage can file an auto insurance claim with their insurance company if they are at fault for the accident. According to the National Association of Insurance Commissioners (NAIC), car insurance with full coverage is approximately 51% more expensive than liability car insurance.