Auto

You’ve heard all the auto insurance buzzwords before – collision, comprehensive, PLPD – but what do they really mean, and what do you really need for auto insurance? Auto insurance does much more than simply protect your automobile from damage or theft. Auto insurance will also help to cover the costs of repair to your vehicle after after an accident, injury to yourself or others, benefits to survivors when an accident results in death, and lost wages due to recovery. Most states require “basic” liability coverage, but it is up to you to choose the additional coverage options that will protect you, your family and your vehicle(s).

Motorcycle

Although operating a motorcycle is inherently more dangerous than operating an automobile, motorcycle insurance coverage does not have to be off-the-charts. What you will find at AIC is an insurance policy that has coverage options motorcycle enthusiasts find very comforting, including Custom Parts and Equipment (CPE) coverage and Roadside Assistance.

Recreational Vehicle

Whether you are driving a motorhome, a veritable “house on wheels”, or pulling your travel trailer or “fifth-wheel”, you are hauling a lot more than just an automobile. Therefore, your insurance policy should reflect the size and use of your vehicle and the special situations that occur, such as:

Loss of personal possessions (clothing, jewelry, electronics)
Personal Liability Coverage in the case that you are responsible for the area surrounding your RV at the campground, or if someone is injured around your RV and you are responsible.
Coverage of hotel costs if your RV breaks down while traveling.

Watercraft

Unless you have a super-secret hideaway, you are not going to be the only boat or jet-ski out on the water, and unless you have your own personal boat garage, you are likely, at some point in time, to be towing your watercraft from one spot to another. These are two great reasons, along with many others, to have specialized coverage on your watercraft.

Your watercraft, up to a certain dollar amount, can be covered under your homeowner’s policy, but your homeowner’s policy will not be able to cover many of the special circumstances that surround ownership of a watercraft.

Special policy options such as roadside assistance, on-water towing, uninsured boater's coverage, fuel-spill liability and wreckage removal are all available. In addition, where homeowner’s policies will normally only offer Actual Cash Value if your watercraft is destroyed, Total Loss Replacement (with a brand new model) is available if your watercraft is less than five years old.

ATV and Snowmobiles

Taking a recreational vehicle, such as a quad-runner or snowmobile, “off the beaten path”, significantly raises the risk of bodily harm and property damage. In fact, many states require specific insurance for these vehicles, over and above your homeowner's policy.

AIC can help you protect yourself against theft or extensive damage with a policy that includes special coverage such as:

Custom Parts and Equipment (CPE) coverage due to theft, vandalism, fire or other damage.
Collision coverage in the event you hit another ATV, a tree, stump, fence post or other obstacle.
Liability coverage to protect yourself from damage done to other people or their property, and protects your assets.
Uninsured or Underinsured coverage in case another rider causes damage to you or your vehicle and they are uninsured or underinsured.

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