Types of coverage: Automobile
Setting higher standards
If you appreciate superior craftsmanship, performance, and comfort in your vehicle, you’ll appreciate the higher standards for Auto coverage and service in the ACE Platinum Portfolio.
- “Agreed Value.” By choosing this option, you can lock in the value of your vehicle and avoid depreciation if it becomes a total loss. Standard policies can take thousands out of your reimbursement by applying the most aggressive form of depreciation.
- “OEM” parts. We always pay for parts produced by the original manufacturer, also called OEM parts. Some auto policies will only pay for “generic” auto parts from third-party manufacturers.
- Road service and overnight expenses. Our Comprehensive coverage automatically includes road service and even two days of overnight expenses if you’re stranded far from home.
- No deductible for windows, locks, and airbags. We will pay to replace broken or chipped windows, locks that need to be replaced due to lost or stolen keys, and airbags that accidentally deploy—and we won’t hold you responsible for the deductible.
- Comparable auto rental during repairs. We do not limit the daily expense of renting a car while your vehicle is being repaired due to a covered loss. Standard policies often have strict daily limits equivalent to the cost of renting a small economy car.
- High liability limits. We offer liability limits from the state minimum levels up to $500,000 and beyond. Bargain policies may not be able to offer adequate limits for high net worth customers, who make lucrative targets for liability lawsuits.
- Rental car damage and loss of use. If you damage a rental car, the rental company may hold you responsible for the cost of repairing the vehicle as well as lost income while the car is out of commission. Unlike standard industry policies, we automatically cover both, and we do so on a worldwide basis.
- Automatic lease gap coverage. We automatically include lease gap coverage, which will pay the difference between the market value of your leased car and the amount you owe the leasing company if the car is totaled due to a covered loss.
Our Auto policy is sold as part of a package. To learn more, please contact one of the independent agents or brokers that represent us. Click on Find an Agent to locate one near you.