Understanding Allstate Car Insurance Benefits

Auto insurance exists to protect you, your family and other road users in case of accidents. States have different levels of minimum coverage requirements.

Getting Allstate car insurance gives you protection and entitles you to additional Allstate benefits and perks.

Liability Coverage

Liability coverage is a requirement in most states. It covers medical expenses or property damage for other parties if you cause an accident. States set their own minimum limits, and you can set a higher amount which means you have more coverage. The limits cover:

  • Maximum bodily injury payment per person
  • Maximum bodily injury payment per accident
  • Maximum payment for property damage

It’s recommended to get as much liability insurance as you can comfortably afford since most state’s minimum limits are lower than what an actual accident may cost, explains Kiplinger. Allstate liability coverage can help you cover compensation for a victim’s lost wages, funeral expenses in the event of a death caused by the accident, legal fees, replacement of damaged objects at the accident scene and other costs. Without adequate liability cover, you may have to dip into your pockets if you cause an accident.

Collision and Comprehensive Coverage

Comprehensive and collision coverage is required if your vehicle isn’t fully paid for, but is optional if you fully own the vehicle. Collision cover protects your own vehicle if you crash into another vehicle or object (like a tree). Comprehensive cover can protect your car from events other than accidents, such as acts of nature, vandalism, fire or theft. You can find more details about deductibles and limits on the Allstate official website.

UM/UIM Coverage

Uninsured (UM) and underinsured (UIM) motorist coverage help you protect your car in case an accident is caused by an uninsured or underinsured driver. Your Allstate warranty will help you pay for vehicle repair and bodily injury as a result of such accidents.

Useful Extras and Benefits

Additional features that can be included in a standard policy, depending on your needs. Some of them include:

  • Rental reimbursement – to pay for a rental car while your car is being repaired
  • Roadside assistance – Allstate roadside assistance provides 24/7 roadside service for jumpstarts and towing
  • Drivewise – this feature measures good driving habits, allowing you to get rewards and lower premiums
  • Allstate Rewards – Safe driving points can be redeemed for gift cards, designer products and other wares

Get the Coverage You Need

There isn’t such a thing as full auto coverage; car insurance companies many features, and not all of them would be necessary for everyone. Allstate offers simple but innovative solutions that can be customized according to your unique needs and your budget.