• Some trailers may not be eligible for liability coverage.
• BI/PD limits must be equal across all units
• Vehicles that require an MCP-65 filing with DMV must have liability limits of 750CSL or higher
• Vehicle with GVW greater than 10,000 lbs require liability limits of 750 CSL or higher.

Medical payments coverage is offered with the following limits: if selected, all autos on a multi-car policy must have the same limits

Uninsured Motorist Bodily Injury (UMBI) and Property Damage (UMPD) coverage is offered as follows:

• UMBI limits cannot exceed the limits chosen for BI.
• All autos on a multi-car policy must have the same UMBI limits
• UMPD coverage is only available at one limit: 3,500
• UMPD may be rejected
• UMPD coverage is only available when UM/UIM coverage is selected.
• UMPD coverage is available with CMP/Fire & Theft coverage.

Underinsured Motorist Bodily Injury (UIMBI) is offered as follows:

• UIMBI may be rejected by the insured.
• UIMBI limits cannot exceed the limits chosen for BI except when minimum limits are selected
• All autos on a multi-car policy must have the same UIMBI limits.

• Physical Damage only policies are acceptable
• The following deductible options are available

• Collision, Comprehensive and Fire/Theft & CAC coverage require a stated amount value.
• Comprehensive coverage is not available for all vehicles. Vehicles ineligible for this coverage may choose
• Fire/Theft and Combined Additional Coverages
• Comprehensive and Fire/Theft CAC coverages may be written without Collision coverage.

• Stated amount includes the current value of the vehicle including all modifications, custom parts or additional equipment that is permanently attached.
• In the event of a loss we will pay the lesser of the stated amount, actual cash value or cost of repair/replace. Vehicles with a stated amount listed that is less than 90% of the actual cash value may require the customer to pay part of the cost of the repair beyond the deductible amount.
• Possible resources for determining stated amount:
  • Market valuation publications & Internet sites
  • Dealerships
  • Manufacturers
  • Manufacturers
  • Lending/financial institutions
• A minimum of $1,000 is required for rating purposes
• Vehicles with stated amount values greater than $100,000 are not eligible for physical damage coverage. AIG Agency Auto is not responsible for determining the correct value of the vehicle.

• BI/PD coverages are required if Hired-Auto and Non-Owned Liability are requested
• The limits must match the BI/PD limits selected

• A $25 fee will be charged for each waiver ordered
• $100 will be charged if order "blanket waiver of subrogation.

Policy Forms

To Follow

Policy Term

A policy may be written for a term of six (6) months or one (1) year.

Policy Terri tory

Out of state exposure is not offered ( California risks only). Policy coverage applies within the United States of America , its territories and possessions, and Canada or between their ports. The policy does not apply in Mexico . Insureds operating their vehicles in Mexico should secure an automobile policy from an authorized Mexican insurance company at the point of entry.