Luxury/Exotic Car Insurance

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Luxuxy/ Exotic Car Insurance

Liability coverage: Since luxury cars are more expensive than standard vehicles, you may have more assets to protect. Carrying higher liability limits can further protect you financially in the event of an at-fault accident.
Medical payments coverage: This coverage pays the medical bills for you and your passengers if you are injured in an accident, regardless of who is at fault. If you live in a no-fault state, you may need to purchase personal injury protection coverage instead of medical payments coverage.
Collision coverage: If you are involved in an accident and your luxury car is damaged, collision coverage may pay for the damages to your car after you pay your deductible. This is also the coverage that could pay for the value of your vehicle if it is totaled.
Comprehensive coverage: This coverage pays claims for broken vehicle glass, theft, vandalism, weather damage and damage caused by striking an animal. It is sometimes called “other-than-collision coverage.”
Gap insurance: If you finance or lease your luxury car, you might want to consider gap insurance. This pays the difference between the vehicle’s actual cash value and the loan amount.
Agreed value coverage: With this coverage, both you and the insurance company agree to the value of your vehicle. If your vehicle is damaged, your insurer will pay up to the agreed upon value.
Automobilia coverage: If you own an exotic car, you may also own valuable collectibles from the manufacturer. Some specialty car companies offer coverage for your license plates, literature, hood ornaments, signs, displays and other automobilia.