Allstate Auto Insurance: What's Covered And What's Not

If you're an Allstate customer, understanding your auto insurance policy is key to ensuring you have the right coverage in place. Auto insurance policies can be complex, with a range of coverage options and add-ons available. It's important to know what your specific policy includes and excludes, as well as the limits and deductibles that apply. Reviewing your policy details can help you identify any gaps in coverage and make informed decisions about any additional protection you may need. Understanding your Allstate auto insurance policy inside and out gives you peace of mind, knowing that you're adequately protected financially in the event of an accident or incident. It also empowers you to take advantage of all the benefits and features your policy offers, ensuring you get the most value for your money. So, let's take a closer look at the components of your auto insurance policy and explore how it can provide the financial security you need on the road.

Coverage Options

Allstate offers a wide range of coverage options, including the standard types of insurance as well as add-ons and benefits.

The standard car insurance policy options from Allstate include:

• Bodily injury/property damage liability car insurance: This compensates other parties if you cause an accident.
• Collision insurance: This covers your car after a moving accident.
• Comprehensive insurance: This covers your car after non-accident events like vandalism or severe weather.
• Medical payments (MedPay): This pays your medical bills up to a limit, regardless of who caused the accident.
• Personal injury protection (PIP): This pays medical bills, lost wages, and death benefits, regardless of who caused the accident.
• Underinsured/uninsured motorist insurance: This covers your medical and repair bills if someone without enough insurance caused an accident.

Beyond the standard coverages, Allstate offers the following additional coverage options:

• Rideshare insurance: This coverage protects you when driving for a company like Uber or Lyft.
• Roadside coverage: The roadside assistance add-on can cover jump-starts, spare tire installations, fuel deliveries, and more.
• Rental reimbursement: Get reimbursed for a rental car when your vehicle is in the shop.
• Classic car insurance: Get coverage that pays the agreed value and includes spare parts for an antique vehicle.
• Mexico and Canada car insurance: These options can cover your vehicle if you drive across either border.
• Allstate Extended Vehicle Care: This separate program is similar to an extended car warranty, covering a range of mechanical breakdowns. Allstate also offers vehicle protection products like gap insurance and tire and wheel protection in some states.
• Deductible Rewards: You can get $100 off your deductible for each accident-free year, up to $500 off.
• New Car Replacement: This option covers the full value of your recently purchased vehicle in the case of a total loss.
• Accident Forgiveness: With this option, your rates won’t increase due to an accident.
• Safe Driving Bonus: You can get a bonus for each insurance policy period without an accident.

Discounts and Savings

Allstate offers a range of discounts and savings opportunities for their auto insurance policyholders. These discounts fall under four main categories: driving history, car safety, loyalty, and payment. While the exact discount amounts are not publicly disclosed by Allstate, there are a number of ways that customers can save on their car insurance.

One way to save is by taking advantage of Allstate's eSmart discount, which rewards customers for going paperless and receiving all their documents online. Additionally, Allstate offers an anti-lock brakes discount for vehicles equipped with this safety feature, as well as a discount for cars with anti-theft devices installed. For those who plan ahead, an early signing discount is available when you purchase your policy at least a week before its start date.

Allstate also provides savings for customers who enrol in their EZ pay plan, which involves paying your premium through automatic withdrawal. Paying for your entire policy at once can also result in savings through the FullPay discount program. For those with multiple insurance needs, bundling your auto insurance with a home, life, or renters policy can lead to significant savings through the multi-policy discount.

If you are the first owner of a new car from this year or last, you can take advantage of the new car discount. Additionally, cars equipped with passive restraint systems, such as automatic seatbelts, qualify for the passive restraint discount. Being a responsible payer who consistently pays their bills on time can also lead to savings, as Allstate offers a responsible payer discount for customers who haven't received a cancellation notice due to non-payment in the last 12 months.

Safe drivers are also rewarded at Allstate. Every six months you drive without accidents, you earn a safe driving bonus, and you can also get $100 off your collision deductible for each year without accidents, up to a total of $500. For students under 25 who are unmarried, the smart student discount provides savings for those who attend school more than 100 miles away from their car, complete the teenSMART program, or maintain a GPA of 2.7 or higher.

In addition to these discounts, Allstate offers even more ways to save. The Allstate Milewise program, a pay-per-mile plan, can save low-mileage drivers up to 72% annually. Enrolling in Allstate Drivewise, which monitors your driving through the Allstate smartphone app, can also provide additional safe driving discounts. With these various discounts and savings opportunities, Allstate auto insurance policyholders can keep their costs down while enjoying quality coverage.

Claims Process

Filing a claim with Allstate is straightforward and can be initiated through their website or mobile app, or by giving them a quick call. They offer a 24/7 claims service, so you can get started right away. Here's a step-by-step guide on what to expect during the claims process:

• Reporting the Incident: Begin by reporting the incident and providing details of what happened. You'll need to provide information such as the date, time, and location of the incident, as well as a description of the events leading up to it. If you have any witnesses or relevant documentation, be sure to mention this to the claims representative.
• Vehicle Assessment: After reporting the incident, you'll need to assess the damage to your vehicle. Take photos of the damage from multiple angles and make a list of any issues you've noticed. If your car is not drivable, you may need to arrange for it to be towed to a repair shop, which Allstate can help organize.
• Filing the Claim: You can file your claim online, through the app, or over the phone. Have your policy number handy, as well as any relevant documentation, such as police reports, medical bills, or repair estimates. You'll be asked to provide details of the incident again and give a description of the damage. Be as thorough as possible to ensure an accurate claim.
• Claim Review and Approval: Once your claim has been filed, an Allstate adjuster will review your case and contact you to discuss the next steps. They may request additional information or documentation, and they will work with you to approve the necessary repairs or cover any medical expenses, depending on your policy coverage.
• Repairs and Payments: After your claim is approved, you can take your vehicle to an approved repair shop. Allstate may send an appraiser to assess the damage and provide an estimate, or they may ask the repair shop for an estimate. Once the repairs are completed to your satisfaction, Allstate will take care of the payment, minus any deductibles that may apply based on your policy.
• Claim Resolution: Throughout the claims process, feel free to reach out to your Allstate agent or the claims adjuster handling your case with any questions or concerns. They can provide updates and ensure you understand each step. Once your claim is resolved, don't forget to review your policy to ensure you have the right level of coverage for future incidents.

Remember, it's always a good idea to review your Allstate auto insurance policy regularly to familiarize yourself with the claims process and understand your coverage limits and deductibles. That way, you can be confident that you're adequately protected and know what to do in the event of an accident or incident.

Policy Management

Allstate offers a wide range of insurance policies, including auto insurance, and provides several options for managing your policy. Here are some key aspects of Allstate's policy management:

Online and Mobile Access: Allstate provides its customers with online and mobile tools to manage their policies. Through the Allstate website or mobile app, you can access your auto insurance policy details, make changes to your coverage, update personal information, and file claims. The mobile app is available for both iOS and Android devices and offers features like roadside assistance and claim filing.

Agent Support: Allstate has a network of over 12,300 agents across the United States and Canada. These agents can provide personalized support and assistance in managing your auto insurance policy. They can help you with tasks such as reviewing your coverage, making payments, and answering any questions or concerns you may have about your policy.

Payment Options: Allstate offers flexible payment options to manage your policy premiums. You can choose to pay monthly, quarterly, or annually, and set up automatic payments to ensure timely payments. Allstate also provides discounts if you pay your policy in full before the start date or maintain a good payment history.

Policy Changes and Updates: As your circumstances change, you may need to update your auto insurance policy. With Allstate, you can make changes to your policy, such as adding or removing vehicles, changing your address, or adjusting your coverage levels. These updates can be made through your online account, the mobile app, or with the assistance of your dedicated agent.

Claims Process: Allstate has a straightforward claims process for auto insurance policyholders. You can file a claim online, through the mobile app, or by contacting their customer support. They provide guidance and support throughout the claims process, and their website offers resources to help you understand the steps involved, the documentation required, and the expected timelines for resolution.

Discount Management: Allstate offers a variety of discounts on auto insurance policies, and managing these discounts is an important aspect of policy management. You can review the list of available discounts, including those for safe driving, early signing, good grades, and more, to ensure you're taking advantage of all the opportunities to lower your premiums.

Overall, Allstate provides its customers with a range of tools and support to effectively manage their auto insurance policies. Through their online platforms, mobile app, and dedicated agent network, policyholders can stay informed, make changes, and receive assistance as needed to ensure their auto insurance coverage meets their evolving needs.

Add-ons and Extras

When crafting your auto insurance policy with Allstate, you have the flexibility to include various add-ons and optional coverages to suit your unique needs. These additional coverages provide extra financial protection and peace of mind in specific situations. Here's a closer look at some of the add-ons and extras you can consider for your Allstate auto insurance policy:

Roadside Assistance and Towing:

This add-on provides coverage for unexpected events like flat tires, dead batteries, or even running out of gas. With this option, you can get assistance sent to your location for minor repairs or towing services. It's a valuable extra that can save you time and hassle when you're stranded on the road.

Rental Car Reimbursement:

In the event that your vehicle is involved in a covered accident and requires repairs, this add-on will reimburse you for the cost of renting a car. This ensures that you can still get around while your car is being fixed, without incurring additional expenses.

Sound System Coverage:

If you've invested in a premium sound system for your vehicle, this add-on provides coverage for it. In the event of theft or damage, Allstate will cover the cost of repairing or replacing your sound system, ensuring that your investment is protected.

Accident Forgiveness:

Accident Forgiveness is a valuable extra that can be added to your policy. With this feature, your first at-fault accident will not result in increased premiums. This can provide significant savings and peace of mind, especially if you're a cautious driver with a good record.

New Car Replacement:

If you've recently purchased a new car, this add-on is worth considering. In the event of a total loss, Allstate will replace your vehicle with a brand-new one of the same make and model, without taking depreciation into account. This ensures that you're back on the road with a comparable car.

Ridesharing Coverage:

If you drive for a ridesharing company, this add-on provides coverage for your vehicle while you're logged into the app and waiting for ride requests. It fills the gap between your personal auto insurance and the commercial policy provided by ridesharing companies, ensuring seamless protection.

These are just a few examples of the add-ons and extras available with an Allstate auto insurance policy. When designing your policy, you can work with an Allstate agent to identify the specific coverages that align with your needs and budget. This customization ensures that you have the right protection in place, providing confidence and peace of mind behind the wheel.

Frequently asked questions