Important Insurance Information For Those With Luxury Cars

SCARSDALE, N.Y. -- Many policyholders assume all auto carriers are equal and as a result, they are unwilling to pay for a more expensive auto policy. But Advocate Brokerage in Scarsdale explains the importance of paying a premium for very nice cars.

Advocate Brokerage has your best interest in mind when they recommend certain coverage and certain carriers.
Photo Credit: *Advocate Brokerage*

Chris Langone

Content Partner: Advocate Brokerage

Repairs

When it comes to getting a car fixed after an accident, bringing it to a mechanic or body shop that can be trusted is of the utmost importance.

Certain repair and replacement procedures call for certifications and a network repair shop may lack the expertise to complete the job.
Premier carriers have cultivated partnerships with high-end repair shops and are able to provide guidance and information to drivers.

Total Loss Consideration

Working with a premier insurance carrier is important when it comes to the Total Loss Consideration of a high-end vehicle. They will often consider a car as a total loss much earlier than a standard auto insurance company would. Additionally, they consider the affect the accident and resulting repairs will have on the vehicle in the secondary market and may even take the time to educate the driver.

Loss Of Use

A standard automobile insurance policy may not provide adequate coverage for the use of a rental vehicle while a car is being repaired. Rental car coverage for loss of use under a standard policy is in the $1,000 - $1,250 range, while a policy with a premier insurance carrier would provide approximately $15,000 for loss of use costs. Important details to consider include:

Parts for high-end vehicles are not always readily available, which can delay repairs.
Due to the fact that only a handful of shops have the proper certifications necessary to complete repairs on high-end vehicles, the repairs may take longer to complete.

Re-inspection

Premier carriers send someone out to do a post-repair inspection of the vehicle. They review the vehicle to ensure the parts are of a high quality, the paint has been applied to the correct measurements and that the vehicle is restored properly. For an automobile lover, a premier carrier representative coming to do a re-inspection is a happy sight.

Advocate Brokerage has your best interest in mind when they recommend certain coverage and certain carriers. For any questions related to automotive coverage, visit their website.