Typical Components of an Auto Insurance Policy

Published: May 2013

No one wants to think about getting into a car accident, but that's a risk drivers face when they take to the roads. Luckily, you can buy auto insurance to help protect you from life's uncertainties. When you're looking for the right auto insurance policy for you, there are a lot of factors to consider, from the price to the coverages offered by the insurer.

The front end of the car was smashed. Knowing what kind of coverage you have is important, contact your Allstate agent to talk about car insurance..

One thing to consider is the various types of coverage that can help protect you in the event of a car accident. While most states only require liability coverage, for example, there are also various other types of coverage you can purchase.

Here are some of the most common car insurance coverage options:

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Liability Coverage

Liability coverage, which is often required by state law, helps pay for any damage that you cause to another person's vehicle or to another person's body. In most states, there is a specified minimum limit of liability coverage, although some people opt for higher limits to better protect themselves from the potential of a greater financial liability.

Collision Coverage

If you're involved in an accident, your collision coverage is what can help pay for repairs to or replacement of your vehicle, after you pay your deductible. When you're purchasing collision coverage, one factor to consider is your deductible. Some people choose to lower their premium payments by opting for a higher deductible, but if you consider this, you want to make sure you will be able to afford to pay your deductible in the event of a claim.

Underinsured or Uninsured Motorist Coverage

Unfortunately, not everyone obtains the required auto insurance. If you're involved in an accident with an uninsured motorist, and that person is at fault for the crash, your uninsured motorist coverage could help you pay for damages caused by the accident. If the other driver who caused the accident has insurance, but the liability limit is less than the amount of damages, your underinsured motorist coverage could help pay the difference.

Medical Payments Coverage

If you, your passengers or family members who are driving the insured vehicle are injured in an accident, medical payments coverage can help with the costs associated with the injuries.

Personal Injury Protection

Personal Injury Protection, or PIP, which is only available in some states, can help you pay for medical expenses from a covered loss. Unlike medical payments coverage, PIP may also help with other expenses while you're healing from your injuries. For example, PIP may cover child-care expenses you had to pay as a result of being laid-up with your injury, or income continuation or loss of services.

There are many benefits to including these coverages in your auto insurance policy. Talk to an agent today about your options.

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Coverage subject to terms, conditions and availability. Policy issuance is subject to qualifications. Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Indemnity Company, Allstate New Jersey Property and Casualty Insurance Company.  © 2015 Allstate Insurance Company, Northbrook, IL.

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