Auto Insurance

The automobiles insured by Lang range from efficient hybrids to high-value luxury vehicles so we have extensive experience with a wide variety of vehicles. Our clients’ have specialized needs so, unlike most insurance agencies, we offer specialized insurance for fleets of vehicles as well as exotic, antique and collector cars. We will insure any car, regardless of how unusual or costly it is. And we will insure it for an agreed value at a reasonable price, not the depreciated value at the time of a claim.

Many of our clients have more cars than there are drivers in the family, a situation that allows us to provide cost-saving policy packages depending on how the cars are garaged and whether they are driven by family or staff. High net worth clients also need to consider higher liability coverage than is typically provided and be protected internationally. These are protections that ordinary automobile policies do not offer. As always, we help clients understand these differences in auto policies that may not seem important until a claim is filed for an accident, fire, theft, vandalism or other damage. For example, significant differences exist in policies covering owned and leased vehicles. The remaining value of the lease covering an irreparable automobile includes a significant interest component and we want to make sure that gap between the value of the car and the value of the lease is covered in the event of an accident or theft.

We work with carriers that provide exceptional client service. Policies can provide generous allowances for rental cars that are delivered and picked up as needed, in situations where your car is inoperable and you are far from home, plus flexibility in how and where the vehicle is repaired. All of our policies have full glass coverage. The goal is to always provide you with the highest level of quality coverage in every aspect of your auto or fleet insurance.

 

I contacted Lang Insurance from an advertisement and frankly, I was not sure anything would come of it. For the past several years my insurance premiums have been going up and I felt they were excessive based on the actual replacement value of my home. Nevertheless, I was unable to convince my broker or insurance carrier to lower the coverage to its proper level. Kevin Lang took on the project and he was successful in getting my home in Sag Harbor, NY and my apartment in NYC and my automobiles and excess liability insurance covered at approximately 1/2 the amount - saving me approximately $10,000 per year. - S. Levine