AUTO INSURANCE

TYPES OF AUTO COVERAGE

Collision coverage

Covers expenses related to the damage or destruction of your vehicle

WHAT IS COLLISION COVERAGE?

Don’t let an unexpected crash catch you off guard. Collision coverage can help protect you from paying costly fees to repair or replace your car.

 

Comprehensive coverage

Covers expenses related to your vehicle in situations like thefts or storms

WHAT IS COMPREHENSIVE COVERAGE?

Comprehensive coverage can help protect you even if you’re not in a crash. It can provide coverage if your vehicle is damaged in one of these situations:

Storms and natural disasters

Vandalism and theft

Broken or shattered windows and windshield

Damage caused by animals

Damage caused by falling objects

 

Liability coverage

Covers expenses related to injury, death or property damage when you’re at fault

DRIVE WITH PEACE OF MIND.

If you’re found at fault in an accident, liability insurance can help you avoid some costly out-of-pocket bills.

WHAT IS LIABILITY INSURANCE?

This type of insurance can help protect you if you’re found at fault in an accident.

There are two types of liability coverage: bodily injury liability and property damage liability.

WHAT IS BODILY INJURY LIABILITY?

Bodily injury liability can help protect you if you’re found at fault for injuring someone in an accident.

Bodily injury insurance can help cover:

Emergency aid at the scene

Medical expenses for bodily injury

Compensation for lost wages

Funeral expenses

Legal defense fees for policy members

WHAT IS PROPERTY DAMAGE LIABILITY?

Property damage liability can help protect you if you’re found at fault for damaging someone’s property in an accident.

Property damage liability insurance can help cover:

Damages to structures like homes and storefronts

Repair or replacement of stationary objects

Vehicle repair or replacement

WHAT’S YOUR LIABILITY LIMIT?

It will vary depending on your location and situation. Get an idea of what limit fits your life with Bumper-to-Bumper Basics.

PROTECTION THAT GOES THE EXTRA MILE

If you go above your home and auto coverage limits, personal umbrella insurance can help provide the extra protection you need.

 

Medical payments coverage

Covers medical or funeral expenses if you or your passengers are hurt

HEAD-TO-TOE PROTECTION

Medical payments insurance helps cover medical expenses associated with auto accidents. If you, your passengers or any family members driving at the time of an accident are injured, medical payments coverage can help protect you—no matter who’s at fault. It can also help cover you or your family members if they’re injured in another car or as a pedestrian.

MEDICAL PAYMENTS COVERAGE AND HEALTH INSURANCE

Even if you have health insurance, medical payments coverage can help eliminate coverage gaps. Not only does it help cover copays, but it also extends to your passengers, which your health insurance may not.

WHAT DOES MEDICAL PAYMENTS INSURANCE COVER?

From seeing a doctor to calling an ambulance, medical payments insurance can help cover:

Doctor visits

Hospital visits and stays

Surgery

X-rays

EMT & ambulance fees

Professional nursing service and care

Prostheses

 

Uninsured & underinsured motorist coverage

Covers your expenses if the other driver is at fault and doesn’t have insurance

BE PREPARED FOR THE UNEXPECTED.

If you’re in an accident, there’s always a chance that the other person involved doesn’t have enough—or any—insurance. Underinsured and uninsured motorist insurance can help cover the difference between your bills and the driver’s coverage up to the limits of your policy.

 

Rental reimbursement coverage

Covers the cost of renting a car while your vehicle’s in the shop

GET BACK IN THE DRIVER’S SEAT.

An accident can set you back—especially if your car needs to go to the shop. Rental reimbursement coverage can help pay for your rental car fees.

WHY GET RENTAL REIMBURSEMENT COVERAGE?

While this type of coverage is completely optional, it can be a huge help when you have to be without your car for a while. From avoiding costly rental car fees to minimizing the inconvenience of having your car in the shop, rental reimbursement coverage may be a smart option for you and your family.

YOUR STATE’S MINIMUM AUTO INSURANCE REQUIREMENTS

State laws require you to have certain amounts and types of coverage. Find out the minimum requirements and average coverage in your state to help you make a plan.

 

Sound system insurance

Covers the cost of replacing stolen or damaged audio and/or video equipment

HELP PROTECT YOUR SOUND SYSTEM.

Great sound is worth protecting. Sound system coverage can replace stolen or damaged equipment, speakers and speaker components in your car.

 

Roadside coverage

Covers the cost of common roadside services like tire changes and jump-starts

DON’T LET A BREAKDOWN STOP YOU.

If you have car trouble and need roadside assistance, roadside coverage can help cover costs. Add it to your Allstate auto policy at any time—it doesn’t cost much.

You could be covered for:

Towing

Tire changes

Jump-starts

Lockouts

Fuel delivery

 

Personal injury protection

Covers expenses related to injuries you sustained in a covered accident

WHAT IS PERSONAL INJURY PROTECTION?

If you’ve been injured in an accident, personal injury protection may help pay for medical bills, hospital bills and costs not covered by your health insurance. Protections can include:

Income continuation

Loss of services

Funeral expenses

Child-care expenses

 

Personal umbrella policy

Covers liability above and beyond your other liability underlying limits

PROTECTION THAT GOES ABOVE AND BEYOND

Sometimes you need a little extra protection. If you’re facing a liability claim that goes above your home and auto coverage liability limits, personal umbrella coverage can help.

You may also be covered for these situations:

You’re sued over an incident covered by your PUP, Allstate may retain and pay for your attorney

You’re out of the country

Lost wages due to a court appearance

 

Property protection coverage

Covers the cost of damages you cause to someone else’s property unintentionally

WHAT IS PROPERTY PROTECTION COVERAGE?

Michigan requires drivers to have property protection that can protect you up to $1 million. This type of coverage can help protect you if you accidentally damage someone else’s property. Possible property damages can include:

Buildings

Poles

Fences

Mailboxes

Parked cars