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3 Reasons to Choose a Specialized Carrier for Your Auto Insurance
For families with significant assets, protecting your vehicles is more than just buying a policy; it’s about safeguarding your time, your safety, and your broader wealth plan.
We earn the trust of new clients by partnering with carriers who will repair or replace these highly complex machines with precision.
In the auto marketplace, the differences across insurance carriers are stark.
Here are three key reasons why working with a specialized broker and carrier can make all the difference.
1. Peace of Mind
When you’ve built a thoughtful wealth strategy, you want your insurance program to reinforce that sense of security, not undermine it. A specialty carrier ensures that when something happens, you can trust the experience will be efficient and stress-free.
- Fewer repair frustrations. Busy clients don’t have time to fight with body shops or settle for second-rate repairs. Specialty carriers cover OEM parts and procedures, so your vehicle is restored to its pre-collision condition without co-pays or compromises.
- Comparable rentals and less disruption. Being without a vehicle is disruptive enough, which is why a specialty carrier ensures you get a comparable replacement while yours is being repaired.
- Confidence in the outcome. Whether it’s a fender-bender or a total loss, your peace of mind is one of the most valuable things money can buy.
2. A Key Part of Thoughtful Wealth Management
Your auto coverage should be integrated with your homeowners, liability, and ancillary policies. Having the right broker and carrier ensures that every element of your risk management plan works together.
- Setting value up front. Specialty carriers establish the agreed value of your vehicle at the start of coverage, so there’s no haggling over “actual cash value” after a loss.
- Avoiding underinsurance surprises. Many drivers discover too late that their auto coverage wasn’t adequate. We clean up these gaps before they become a costly problem.
- Integration with your full risk profile. Auto, home, and liability all work together. We make sure your coverage levels are aligned so a single event doesn’t unravel your entire plan.
This is wealth management in action: not just protecting assets, but preserving time, peace of mind, and lifestyle.
3. The Right Carrier for Your Vehicles
Nearly two-thirds of high-net-worth families are insured with carriers that don’t have the commitment, relationships, or expertise to handle today’s sophisticated vehicles.1
That mismatch is where problems start.
- Repairs require specialized equipment and training. Today’s cars have more than 1,400 microchips (and EVs have twice as many), making proper recalibration critical to safety. Certified shops invest heavily in the right machinery, technology, and training to return your car to its pre-loss condition, and specialty carriers are the ones that will pay for that expertise.
- The hidden trade-offs of mass-market carriers. These are the carriers who spend billions on advertising each year. They tend to focus on keeping premiums low, which can sometimes mean paying lower labor rates and using aftermarket or remanufactured parts for repairs. While this approach helps control costs, it can result in longer repair times, additional out-of-pocket expenses, and potential compromises to critical vehicle safety systems.
- Better claim experiences. Several of our carriers, including Chubb and PURE, consistently rank among the top carriers in Crash Network’s Insurer Report Card for their repair processes and relationships with certified shops. They are well known for paying what it costs to fix vehicles properly without putting you in the middle.
If you’d like to discuss your strategy, please don’t hesitate to reach out for an analysis.
Source:
1IBNR Weekly, Issue #29, Dowling & Partners, July 24, 2025.
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