Take a Defensive Approach to Auto Insurance

Accidents often happen when we least expect them. That's why good defensive drivers don't just focus on what's taking place 5 or 10 feet in front of their vehicles they pay attention to the big picture.

Taking the same comprehensive approach to your car insurance can help you save cash and prevent complications if the unexpected arises.

Vehicle driving through a pothole on the road

Don't Be Caught Off-Guard

Though Collision Coverage may protect you when an accident comes out of the blue, the insurance status of other drivers or vehicle damage from non-accident events could still put you in a vulnerable financial position.

Does Your Car Insurance Fully Cover You?

All drivers are required to have auto insurance, but the reality is that many people don't. In fact, about one out of seven drivers don't have car insurance, and today's economy seems to be adding more to the ranks of the uninsured.

Unfortunately, even accidents with insured drivers can leave you in financial freefall. If the other driver opted for the cheapest insurance rather than the most adequate coverage, you could find yourself footing the bill on damage they caused or tangled in legal proceedings with the underinsured driver.

When you're behind the wheel, you can only be responsible for your actions—and the same goes for your car insurance. While you can't control other people's insurance choices, you can prepare for a worst-case scenario. Allstate's Uninsured & Underinsured Motorist Coverage is designed to keep you covered, regardless of another driver's coverage status.

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What About "Non-Accident" Damage?

It's natural to think that car damage comes from other vehicles - but this isn't always the case. For example, damage could be caused by:

  • Weather-related phenomena, such as flooding or hail
  • Break-ins through your car doors or windows
  • Loose debris on the road
Hopefully, none of these "what-if" scenarios will play out during your driving days. But if they do, Allstate's Comprehensive Coverage can help ensure you have the financial means to restore your vehicle.

Am I Covered If I'm Hurt in an Accident?

Selecting Medical Payments Coverage can help cover medical expenses for yourself and family members who were in the vehicle with you when the accident occurred. Regardless of who caused the accident, this type of coverage can help pay for certain medical expenses, including doctor visits, hospital stays and surgery.

In some states, you can also select Personal Injury Protection, which goes a step further by helping you pay for loss of income, child-care expenses or funeral costs following an accident - in addition to medical expenses.

Interested in taking a more proactive approach to insurance, but not sure where to begin? Visit Allstate's Bumper-to-Bumper Basics® for some guidance, or get a free, no obligation quote online, call us at 1-866-621-6900 or contact a local Allstate agent today.

Published: November 2011

*This information was obtained by the Pennsylvania Auto Theft Prevention Authority at www.watchyourcar.org. The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your Allstate agent.

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