Insurance for Automobiles

Insuring multiple vehicles with multiple policies can be extremely inconvenient. AIG keeps it simple by offering coverage for vehicles of all types—everyday automobiles, antique and collector cars, motorcycles, motor homes, all-terrain vehicles, golf carts, and more—on one policy.

Unlimited Capacity

You can insure a virtually unlimited number of vehicles per policy, including regular-use automobiles, collector cars, motorcycles, golf carts, motor homes and more.

360° Support

After an accident, repairs are just part of making things right again. You’re covered for personal property* in the car that’s stolen or damaged, emergency living expenses* if you’re far from home, and even the cost of caring for a family pet** injured in an accident.

Worldwide Liability Coverage

Most auto insurance policies limit coverage to accidents that happen in the US and its territories. With AIG, you’re protected no matter where your travels take you.1

High Liability Limits

Liability limits of up to $1 million per occurrence are included. Umbrella liability coverage, with limits up to $100 million, can also be purchased.

Agreed Value

At the onset of your policy, we work with you to determine the value of your vehicle(s). If a covered total loss occurs, you'll receive that agreed-upon amount, regardless of market depreciation.

New Vehicle Replacement Option

If your new car is totaled within three years of your purchase, you have the option to receive the initially agreed-upon value; replace it with a vehicle from the same make, model, and year; or get a new vehicle of the same make and like model, including hybrids or alternate fuel editions..2

Cash Settlement Option

In the unfortunate event of an accident, there can be a multitude of reasons why you may not want to keep your vehicle—even if it can be fixed. The repairs may be extensive and lengthy, or you may simply prefer to move on from your vehicle after the trauma of the accident. If your vehicle suffers a covered loss that results in damage of 50% or more than the agreed value, AIG offers you the option of taking an agreed value payout.3 A typical insurance provider would not provide such flexibility; living with the repairs would be your only option.

Rental Car Reimbursement

If you need to rent a vehicle while you wait for your car to be repaired, you have no per-day limit on your reimbursement. And, you can choose to rent a car of comparable value. Expenses reimbursed up to $12,500.

Original Manufacturers’ Parts

Once they’ve been damaged, high-value, rare and antique vehicles need a level of service the local repair shop simply can’t provide. If repairs must be made, only original manufacturers’ parts will be used. The only exceptions are window glass and parts that are no longer made.

Whether it’s an everyday use car, such as a Range Rover, Maserati or Bentley, or your prized passion, such as a Ferrari, Porsche or Lamborghini, you can benefit from AIG's exceptional coverage and service.

1 Some restrictions apply and some countries may require buying additional local coverage.

2 Newly purchased vehicles are defined as those that were not previously titled.

3 In exchange for your executed title, we will issue your cash settlement less the amount due to a lien holder.

* Up to $2,500 per occurrence.

** Up to $1,000 per occurrence.