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With all the auto insurance options available in the market, it might seem overwhelming to keep track of the differences. But there are some important differences between standard auto insurance and the coverage required for high-value, luxury, or collector cars. 

Schedule a complimentary personal risk management review today for a customized auto insurance solution. 

Benefits of Auto Insurance

Coverage features our clients appreciate most.1


  • With agreed value coverage, the value of your vehicle is locked in for the policy term, and your deductible is waived in the event of a total loss.
  • Original replacement parts protection means only original manufacturers’ parts will be used with repairs.2
  • Full-glass protection covers glass breakage without a deductible payment.
  • Dedicated claims advocacy helps resolve claims quickly and with as little disruption as possible
  • Transportation expense coverage means you’ll be reimbursed for the cost to rent a vehicle while yours is being repaired.3
  • With roadside assistance, you’ll have help with towing, tire replacement, lockouts, and more.
  • With worldwide coverage, you’re protected if you rent or borrow a vehicle outside the U.S.4
  • With lease gap protection, a total loss won’t leave you with expenses associated with an outstanding loan balance. 

Data sources:

1 Specific coverage features may vary by state, insurer, and/or vehicle.

2 Unless the parts are no longer made; excludes window glass in some instances.

3 There may be a reimbursement limit for total transportation expenses.

4 Some countries/jurisdictions require the purchase of local coverage. There may be time frame limits.

Auto coverage that’s beyond ordinary

Whether it’s a sports car or an SUV, today’s vehicles are constructed with specialized technology and lightweight materials that make them more fuel-efficient and offer better protection for drivers and passengers. But after an accident, you want peace of mind knowing your vehicle has been repaired precisely to the manufacturer’s specifications. If you were in an accident with your new vehicle and wanted a preferred garage or dealership to handle the repairs, most standard insurers will limit the settlement of your claim if you use a repair facility outside their network. However, most high net worth insurers will allow you to select your preferred repair center.

Confidently covered podcast

Collector car solutions

When it comes to insuring your collector cards, it pays to have an experiencd partner at the wheel.

With MMA PCS, you have access to the expertise, global resources, and speciality solutions you need to ensure you're properly covered.

Meet Victor, collector auto specialist.

Victor Carter, CPRIA 

Southeast Placement & Solutions Leader
Naples, FL

Request an auto insurance quote.

It's easy to work with us to ensure your auto policy will respond the way you expect it to in the event of an accident or other claim situation. No one has the expertise, knowledge, resources, or reach to handle your needs the way we do. Request your auto insurance quote now.

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