High-value cars, like those from luxury brands, are coveted by many people. However, they may be difficult to cover with traditional insurance plans because of their complexities and unique parts. They often need more extensive luxury car insurance coverage.
At Muller Insurance, we partner with Chubb Insurance to provide high-value auto policies to customers in New York, Connecticut, and other states. Here, we discuss the importance of choosing the right coverage for your luxury vehicle and how to determine if Chubb’s high-value car insurance policy is best for you and your needs.
What Is Chubb Luxury Car Insurance?
Luxury car insurance from Chubb Insurance is a way to invest in the future of your high-end vehicle, including obtaining coverage for accident protection and 24/7 roadside assistance. Luxury vehicles require specialized parts and skilled labor to repair them to mint condition after an automobile accident, which traditional auto insurance policies may not cover. Chubb offers a luxury car insurance policy for owners of high-value cars. This policy helps provide replacement for lost parts after accidents, restoring your vehicle to pre-claim condition when possible.
Auto insurance through Chubb also provides protection for liability and no per-day limit for rental car reimbursement. If your car gets stolen or damaged, Chubb provides agreed value coverage on the auto, meaning in the event of a total loss that is how much you will receive without your deductible or depreciation applying. While the road can’t always guarantee safety, buying a plan through Chubb is a smart way to secure protection and coverage for your luxury vehicle.
What Does Chubb’s Auto Insurance Cover?
When considering if Chubbs’s luxury vehicle insurance policy is worth it, take into account the coverage it offers. It includes:
Liability and Collision Coverage
Chubb offers comprehensive coverage for luxury car owners with expansive protection against automobile damage and accidents. With up to ten million dollars in liability coverage, Chubb’s policy covers you whether you’re found legally responsible or not during an automobile injury or damage. The high limit covers medical expenses, legal fees, and property damage.
This coverage also protects you from legal liability after an accident with an uninsured driver. Chubb will cover up to ten million dollars in expenses for any injuries and damage sustained after an accident on the road.
Rental Luxury Cars
If you need a rental when your car is getting repaired, Chubb encourages rental car reimbursement for your traveling and everyday needs. There is often no per-day limit, up to the total policy maximum.
High Repair Standards
High repair standards are essential for maintaining the quality and condition of luxury cars since they often need more expensive repairs. At Chubb, you can purchase coverage where the value of your car determines the amount you receive to repair it and bring it back to excellent condition. Original Equipment Manufacturer (OEM) parts for repairs are covered to restore your car to pre-claim conditions, ensuring your luxury car sustains its value. Using OEM parts also helps ensure vehicle safety standards since they are highly tested, maintaining the high level of safety and performance you want for your car.
Convenient Repair Locations
When you need your luxury car repaired, you may want to take it right to the dealership or to a trusted mechanic you know. Chubb offers car owners the choice of different repair locations, including dealerships, local body shops, or a Chubb-approved Masterpiece Auto Preference Services (MAPS) shop. High-quality repairs are certified at MAPS shops because of their skill and expertise. There, Chubb technician specialists can interpret complex claims, access guidance on more complex repairs, and obtain rare parts.
This comprehensive coverage is why many luxury car owners think Chubb auto insurance is worth it, making them one of the fastest-growing luxury car insurers to date.
Benefits of Working with Muller Insurance as an Independent Agent
Working with an independent agent like Muller Insurance allows for better flexibility in your coverage. Muller Insurance works with over twenty insurance companies, so we can help you choose the right coverage for your luxury vehicle, whether from Chubb or another option. Our agents also work with companies like:
- Plymouth Rock Insurance
- Travelers Insurance
- Progressive Insurance
- Safeco Insurance
- Liberty Mutual Insurance
We are also licensed in over twenty states and have over 118 years of building a strong reputation that clients rely on.
Find Luxury Car Insurance Coverage that Works for You
If you think high-value auto insurance from Chubb is worth it, turn to Muller Insurance. We’ll help you find the right policy for your vehicle, budget, location, and needs. We’re happy to help our customers with whatever features they may need, such as roadside assistance, liability claim coverage, and rental insurance coverage. To learn more about Muller Insurance, contact us today or request a free quote.
