High Value Auto Insurance

Insuring multiple vehicles with multiple policies can be extremely inconvenient. AIG Private Client Group keeps it simple by offering coverage for vehicles of all types—everyday automobiles, antique and collector cars, motorcycles, motor homes, all-terrain vehicles, golf carts, and more—on one policy.

Auto Insurance Coverage Highlights

AIG Private Client Group’s automobile policy includes features such as*:


360° Support—After an accident, repairs are just part of making things right again. You’re covered for personal property in the car that’s stolen or damaged, emergency living expenses if you’re far from home, and even the cost of caring for a family pet injured in an accident.


Worldwide liability coverage—Most auto insurance policies limit coverage to accidents that happen in the US and its territories. With us, you’re protected no matter where your travels take you.1


High liability limits—Liability limits of up to $1 million per occurrence are included. Umbrella liability coverage, with limits up to $100 million, can also be purchased.


Agreed value—At the onset of your policy, we work with you to determine the value of your vehicle(s). If a covered total loss occurs, you'll receive that agreed-upon amount, regardless of market depreciation.


New Vehicle Replacement Option—If your new car is totaled within three years of your purchase, you have the option to receive the initially agreed-upon value; replace it with a vehicle from the same make, model and year; or get a new vehicle of the same make and like model, including hybrids or alternate fuel editions.2


Cash Settlement Option—In the unfortunate event of an accident, there can be a multitude of reasons why you may not want to keep your vehicle—even if it can be fixed. The repairs may be extensive and lengthy, or you may simply prefer to move on from your vehicle after the trauma of the accident. If your vehicle suffers a covered loss that results in damage of 50% or more than the agreed value, we offer you the option of taking an agreed value payout.3 A typical insurance provider would not provide such flexibility; living with the repairs would be your only option.


Rental Car Reimbursement—If you need to rent a vehicle while you wait for your car to be repaired, you have no per-day limit on your reimbursement. And, you can choose to rent a car of comparable value. Expenses reimbursed up to $12,500.


Original Manufacturers’ Parts—Once they’ve been damaged, high-value, rare and antique vehicles need a level of service the local repair shop simply can’t provide. If repairs must be made, only original manufacturers’ parts will be used. The only exceptions are window glass and parts that are no longer made.


Whether it’s an everyday use car, such as a Range Rover, Maserati or Bentley, or your prized passion, such as a Ferrari, Porsche or Lamborghini, you can benefit from our exceptional coverage and service.


*Specific coverage features may vary by state.
1 Some restrictions apply and some countries may require buying additional local coverage.
2 Newly purchased vehicles are defined as those that were not previously titled.
3 In exchange for your executed title, we will issue your cash settlement less the amount due to a lien holder.

Last updated: Friday, April 28, 2017

Copyright © 2020 American International Group, Inc. All rights reserved.

AIG Private Client Group is a division of the member companies of American International Group, Inc. (AIG). Policies are underwritten by member companies of AIG, including AIG PROPERTY CASUALTY COMPANY. This is a summary only. It does not include all terms and conditions and exclusions of the policies described. All references to claim settlement information are based on the loss being covered by the policy and are subject to change without prior notice. Please refer to the actual policies for complete details of coverage and exclusions. Coverage and supplemental services may not be available in all jurisdictions and are subject to underwriting review and approval. Services provided by third parties are not guaranteed by AIG Private Client Group and may be discontinued at any time.

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