Depending on the nature of the accident and the damage to your vehicle, there are specific claims that can be filed.

In the event your car breaks down, you can file an Emergency Roadside Claim. If, for example you have expenses related to the costs of replacing a flat tire, then there are existing claims to that can help.

While some claims relate to the type of collision or damage done to your vehicle, there are others as well that pertain to what occurs during the aftermath of the accident.

Hit and Run Claims, for example can be filed whether you are the victim of the hit and run, and even in circumstances when you are the one who has witnessed the incident.

Types of claims that fall under this category include, vehicle theft as well as vehicle equipment theft. Whether it is your entire car that has been stolen or individual pieces of equipment that thieves have made away with, you can choose to file an applicable claim.

Specific to situations of vehicle vandalism, and ranging from serious scratches to unwanted graffiti art, insurance claims exist as well to help offset these kinds of repairs.

Other types of damage claims to be aware of are of the weather variety. Should your vehicle incur damages as a result of a weather event or even a fire, you can file a claim to assist with repairs or replacement

Speaking directly with your insurance agent will mean you have all the right information upfront. In addition to knowing what will be covered in each type of claim, your agent will also see to it that your claim is filed properly and as soon as possible.  Thankfully, this will also result in your car being repaired a lot faster.

While the information here represents an overview of some of the main areas of concern you may have about making vehicle claims in BC, it is also important that you connect with your insurance agent directly. That way, you can go through this process together, and they can answer any specific questions you may have about your insurance claims.

In certain events, your insurance premiums may increase, and having a direct line to your trusted agent can mean you will be kept apprised of this, as well as of any other relevant information. As a result, you can avoid being caught off guard by any major changes to your policy.

First off, a luxury vehicle has its own unique classification in the eye of BC insurers. This includes passenger vehicles with proper registration, however does not pertain to motorcycles,  recreation vehicles and trailers, as well as commercial vehicles.

Overall, a vehicle that costs greater than $150,000 will very likely be designated a luxury vehicle and likewise, will require unique insurance coverage.

From collector cars to high-value vehicles, the insurance process and nature of the insurance coverage will vary.

Vintage vehicles, for example will have their own classification as well, which is based on a set criteria. Since drivers may use these classic cars only as a method of weekend travel, or from time to time, this will play a role in the insurance policies that are designed to preserve and protect them, as well as their drivers.

The type of luxury car you will be driving will require specialized insurance to ensure you have the most appropriate coverage to meet your needs.

Depending of the exact luxury car model you are operating, the insurance coverage is also likely to differ.

Additionally, this uniquely-tailored coverage will likely require that you complete the application process, in order to secure specific coverage for your vehicle type.

On top of the basic auto insurance policies available, you will want to definitely consider adding special plans that include: damages, collision, comprehensive, well as Special Risk and Perils coverage.

Given that these higher-valued vehicles require specialized parts and in overall loftier repair costs, factoring in Special Risk insurance into your insurance is highly encouraged.

Replacement Cost Coverage, for example is one that should be at the top of the list when identifying which supplemental coverage to add to your luxury car insurance plan.

With this coverage in place, and in the event repairs are needed, this affords you the necessary funds required for the higher costs associated with using brand new parts to replace the damaged ones. Otherwise known as Original Equipment Manufacturing (OEM) coverage, this can also give you more peace of mind that your luxury vehicle has been restored to its previous condition.

As you look further into insurance coverage for your luxury car, it is best to seek out the expertise of your insurance company, in order to get the full picture of what to expect.

Not only can a trusted insurance agent provide the necessary information on insuring a car of higher value in BC, they can offer their specific recommendations on what insurance is right for you – and your vehicle.

In the case of a luxury vehicle application, they can walk you through the process and help you file this in a timely fashion. In doing so, you can drive your vehicle without further delay, also knowing that you have the best coverage in place.