Here are some of the different types of coverage you may include in your policy. Let’s start with auto liability, which is required by law in most states. If someone gets hurt in an accident you caused, bodily injury liability coverage helps pay for your legal fees if you are sued as well as the injured person’s medical bills and lost wages.
If you damage another person’s property with your vehicle, property damage liability coverage may help reimburse the other party for repairs or replacement. Next, let’s look at coverage that helps pay your medical expenses if you’re hurt in a car accident.
Depending on the state where you live, you may have the option of purchasing either personal injury protection or medical payments coverage. These may help pay doctor or hospital bills after a covered accident. Another type is UNinsured and UNDERinsured motorist coverage.
If you’re hit by a driver who doesn’t have car insurance, UNinsured motorist coverage helps pay for your medical bills and depending on where you live, repairs to your property, after the accident. UNDERinsured motorist coverage works similarly. It helps pay your medical expenses if you’re hit by a driver whose liability coverage limits aren’t sufficient to pay for your bills after the accident.
And then there are coverages that help if your car is damaged. Let’s say you need to replace or repair your vehicle after a collision with another car or object. Collision coverage helps pay those costs. What if your car was damaged by something other than an accident? Comprehensive coverage helps pay to repair or replace your car if it’s damaged by things like theft, animals, falling objects or fire.
Finally, it’s important to remember that each type of car insurance coverage has a limit, which is the maximum amount your insurer will pay for a covered claim. And, some coverages have a deductible, which is the amount of money you pay out of pocket toward a covered claim.
Allstate Insurance Review
Allstate is one of the best options for drivers who want coverage from a larger insurance company with a wide range of services, coverage options, and discounts. Now that you have a sense of what Allstate has to offer, let’s take a closer look at how it performs in a handful of key areas, including its premiums, customer service, and claims process.
When shopping for car insurance, one of the most important factors customers consider is cost. As far as premiums go, Allstate charges little higher rates than the cheapest major insurance companies that WalletHub evaluated. However, Allstate offers a variety of discounts, meaning that customers have several ways to save on their policy.
Allstate also has a great customer service record, based on customer reviews and information from industry watchdogs like the Better Business Bureau. This indicates that customers generally have a good experience when trying to manage their policy or file a claim. When it comes to filing insurance claims, Allstate makes the process simple compared to competitors.
This is based on several aspects of the claims process, including options for filing a claim, claims support availability, and the ease of managing an ongoing claim. Finally, customers looking to purchase other types of insurance in addition to their auto policy can benefit from going with Allstate, which offers several other coverage options, including home and life insurance.