Allstate's Auto Collision Insurance: What You Need To Know

Allstate auto collision insurance is a type of car insurance that helps cover the cost of repairs or replacements if your vehicle is involved in a collision with another object, such as a car, tree, or fence. It is important to note that this type of insurance is typically optional, but it can provide valuable financial protection in the event of an accident. Collision insurance usually covers incidents where you're at fault, single-car accidents, and accidents involving parked cars. It is designed to help drivers get back on the road quickly and safely after an accident, covering repairs or replacements for damage to your vehicle. This type of insurance can provide peace of mind and financial security, ensuring that you are not left with a hefty bill in the event of an unexpected collision. Understanding the coverage, exclusions, and limitations of collision insurance is essential for making an informed decision about your auto insurance policy.

Coverage Options

Allstate offers a range of coverage options to provide financial protection in the event of a car accident. The core of their auto collision insurance includes:

Collision Coverage: This covers damage to your vehicle resulting from a collision with another car or object. It applies regardless of fault and can include single-car accidents, such as hitting a tree or guardrail. With this coverage, Allstate will pay for the repair or replacement of your car, after the deductible has been met.

Comprehensive Coverage: This type of coverage protects your vehicle from non-collision incidents, such as theft, vandalism, fire, falling objects, and natural disasters. It also covers damage from animal collisions and broken glass. Like collision coverage, it includes a deductible.

Liability Insurance: This is mandatory in most states and covers bodily injury and property damage that you may cause to others in an accident deemed your fault. Allstate offers varying limits, and it is advisable to choose a limit that matches your financial situation, as you may be liable for costs exceeding your coverage limit.

Uninsured/Underinsured Motorist Coverage: This coverage protects you if you are in an accident with a driver who does not have insurance or does not have sufficient insurance to cover the costs. It includes bodily injury and property damage coverage and can help cover medical bills, lost wages, and car repairs.

Medical Payments Coverage: This option covers medical expenses for you and your passengers, regardless of who is at fault in an accident. It can include hospital stays, surgery, X-rays, and funeral expenses. This coverage is especially useful if you have high-deductible health insurance or no health insurance at all.

Personal Injury Protection (PIP): PIP coverage is required in some states and covers medical expenses, lost wages, and other costs associated with injuries sustained in an auto accident, regardless of fault. It can also cover household services and child care if you are unable to perform these tasks due to your injuries.

Additionally, Allstate offers a range of optional coverage enhancements, including:

• Rental car reimbursement to cover the cost of a rental car while your vehicle is being repaired.
• Roadside assistance for help with flat tires, dead batteries, and towing.
• Sound system insurance to cover the cost of repairing or replacing a custom sound system.
• New car replacement coverage, which provides a brand-new car (rather than a depreciated value) if your new car is totaled.

These coverage options allow Allstate customers to customize their auto collision insurance to fit their specific needs and provide financial peace of mind in the event of an accident. It is important to review your coverage regularly and make adjustments as necessary to ensure adequate protection.

Policy Benefits

Allstate auto collision insurance provides valuable coverage for vehicle repairs and protection in the event of a collision. This insurance covers your car, truck, or motorcycle if it collides with another vehicle or object, or if it rolls over. It's important to note that this type of insurance is distinct from comprehensive insurance, which covers non-collision damage, and liability insurance, which covers the costs of injuries and property damage sustained by others in an accident deemed your fault.

One of the standout features of Allstate's collision insurance is its flexibility. Customizable coverage options allow you to choose the repair options that work best for you. You can select your preferred auto body repair shop, or opt for Allstate's Priority Repair Option, which guarantees quality repairs and provides a lifetime guarantee for as long as you own the vehicle. This flexibility ensures that you can maintain your vehicle's value and appearance while also accommodating your personal preferences.

The policy also includes a rental car reimbursement benefit. If your car is involved in a covered collision claim and you need alternative transportation, Allstate will reimburse you for a rental car. This benefit ensures that you can continue your daily routine and commitments without disruption, providing peace of mind during an otherwise stressful time.

Additionally, Allstate offers a Claim Satisfaction Guarantee, which ensures that you'll be satisfied with the repairs made as part of your claim. If you're ever unhappy with the repairs, Allstate will re-inspect the work and make things right. This guarantee underscores Allstate's commitment to customer satisfaction and ensures that your vehicle is restored to its pre-accident condition.

Allstate's auto collision insurance also provides 24/7 claims support, so you can get assistance whenever you need it. Their efficient claims process includes a convenient mobile app that allows you to file and track your claim, get updates, and even provide photos and other relevant information. This level of accessibility and convenience ensures that you're not left stranded after an accident, providing peace of mind and efficient resolution to any collision-related issues.

Lastly, Allstate offers a range of discounts to help make collision insurance more affordable. These include discounts for safe driving, vehicle safety equipment, and multiple policies. By taking advantage of these discounts, you can ensure that you're getting the best possible value while still enjoying the comprehensive benefits of Allstate's auto collision insurance coverage.

Claims Process

If you're involved in a car accident, Allstate auto collision insurance can provide coverage for the resulting damage to your vehicle. This type of insurance is typically optional, but it can be a valuable addition to your policy if you want comprehensive protection. With Allstate auto collision insurance, you can file a claim to have your vehicle repaired or replaced, depending on the extent of the damage. Here is a step-by-step guide to the claims process:

The claims process for Allstate auto collision insurance is designed to be straightforward and efficient. The first step is to report the accident to Allstate as soon as possible. You can do this by calling their customer service number, which is available 24/7. When you call, have your policy number ready, and be prepared to provide details about the accident, including the date, time, location, and any relevant details about the other drivers involved. It is also helpful to have the police report and any photos of the accident scene if possible.

Once you have reported the accident, an Allstate claims adjuster will be assigned to your case. The claims adjuster will contact you to discuss the details of the accident and arrange an inspection of your vehicle. During the inspection, the adjuster will assess the damage to your car and determine whether it can be repaired or if it is a total loss. If your car is repairable, the adjuster will provide you with an estimate of the repair costs.

After the inspection, you can start the repair process. Allstate has a network of approved repair shops that you can choose from, or you can select your own trusted auto body shop. If you go with an Allstate-approved shop, the repair process will be streamlined, as the shop will work directly with your claims adjuster to finalize the repairs and costs. If you choose your own shop, you may need to pay upfront and then seek reimbursement from Allstate.

In the case of a total loss, where your vehicle is damaged beyond repair or the cost of repairs exceeds the value of the car, Allstate will offer you a settlement based on the actual cash value of your vehicle. This settlement amount will take into account factors such as the age, condition, and mileage of your car. You may then use this payment to purchase a replacement vehicle.

Throughout the claims process, it is important to keep detailed records of all communication with Allstate, including any repair estimates, invoices, and settlement offers. Additionally, keep track of any expenses you incur as a result of the accident, such as rental car costs or alternative transportation fees, as these may be reimbursable under your policy.

By following these steps and working closely with your Allstate claims adjuster, you can navigate the auto collision insurance claims process efficiently and get back on the road as soon as possible. Remember to review your policy documents to fully understand your coverage limits and any deductibles that may apply.

Repair Options

When it comes to repairing your vehicle after a collision, Allstate auto collision insurance offers a few different options. Understanding these options is an important part of ensuring your vehicle is properly repaired and you are satisfied with the results. Here are some repair options to consider if you are involved in an accident:

One of the benefits of having Allstate auto collision insurance is that you have the option to choose your own repair shop. Whether it be a facility from their network or one of your own choices, Allstate can assist you in selecting a reputable and reliable repair shop. Allstate has a network of pre-screened, qualified repair shops that they work closely with, known as "Preferred Vendors." These vendors have met certain criteria and standards set by Allstate, ensuring quality repairs. Using a Preferred Vendor can often streamline the repair process as they have a direct relationship with Allstate, which can speed up the estimation and approval process.

If you decide to use a repair shop outside of Allstate's network, that is also an option. You are free to choose any licensed and reputable repair facility that you trust and feel comfortable with. However, it is important to keep in mind that the estimation and approval process might differ when working with a non-network shop. Allstate may require additional estimates or have different procedures in place, which could potentially extend the repair timeline. Nonetheless, Allstate is committed to working with you and the repair shop of your choice to ensure your vehicle is properly repaired.

In certain cases, you may prefer to handle the repairs yourself, especially if you have automotive repair skills or knowledge. Allstate allows for this option, and they will work with you to ensure you have the necessary resources and funds to complete the repairs safely and effectively. They will provide guidance and support, and they may even be able to offer advice on where to source parts and materials.

Allstate also offers a repair guarantee for as long as you own or lease your vehicle. This means that if you are ever dissatisfied with the quality of repairs or if there are any issues related to the original claim, you can return your vehicle to any Allstate-authorized facility, and they will repair it to your satisfaction at no additional cost. This guarantee provides peace of mind and ensures that your vehicle is properly repaired to industry standards.

With these repair options, Allstate aims to provide flexibility, convenience, and peace of mind for their customers. Whether you prefer the convenience of their network shops, the freedom to choose your own, or even the challenge of a DIY repair, Allstate is committed to ensuring your vehicle is restored to its pre-accident condition.

Cost and Payment Plans

The cost of Allstate auto insurance is generally higher than the national average, which is $2,681 per year or $223 per month. Allstate's full-coverage insurance costs $3,340 per year or $278 per month, which is about 25% more expensive than the national average.

The cost of Allstate auto insurance can vary depending on several factors, including age, ZIP code, driving history, credit score, gender, marital status, and vehicle type. For example, teens and young adults typically pay higher insurance rates than older drivers. Additionally, drivers with accidents, tickets, or convictions on their records will pay more for insurance.

Allstate offers various payment plan options to its customers. These include paying annually, semi-annually, quarterly, or monthly. Customers can also set up automatic payments to save on their insurance premiums. Allstate also offers a discount for customers who pay their policy in full at least seven days before it begins.

Allstate also provides multiple ways to pay insurance premiums, including online through their website, via mail, or over the phone. Customers can also set up electronic funds transfer (EFT) from their bank account or use their mobile app to make payments.

In addition to these standard payment options, Allstate offers two usage-based programs that can impact the cost of auto insurance. The first is called Drivewise®, which offers discounts based on safe driving habits such as speed, braking, phone usage, and driving hours. The second program is Milewise®, a pay-per-mile program where customers pay a daily base rate plus a rate per mile driven. This program is currently available in 21 states.

Frequently asked questions