What Does Car Insurance Typically Cover? | Allstate Insurance


So you’re ready to select auto
insurance for your car. Where do you start? It’s a good idea to learn about
your options. Here are some of the different
types of coverage you may include in your policy. Let’s start with auto liability,
which is required by law in most states. If someone gets hurt in an
accident you caused, bodily injury liability coverage
helps pay for your legal fees if you are sued as well as the
injured person’s medical bills and lost wages. If you damage another person’s
property with your vehicle, property damage liability
coverage may help reimburse the other party for repairs
or replacement. Next, let’s look at coverage
that helps pay your medical expenses if you’re hurt
in a car accident. Depending on the state where
you live, you may have the option of
purchasing either personal injury protection or
medical payments coverage. These may help pay doctor or
hospital bills after a covered accident. Another type is UNinsured and
UNDERinsured motorist coverage. If you’re hit by a driver who
doesn’t have car insurance, UNinsured motorist coverage
helps pay for your medical bills and depending on where
you live, repairs to your property,
after the accident. UNDERinsured motorist coverage
works similarly. It helps pay your medical
expenses if you’re hit by a driver whose liability coverage
limits aren’t sufficient to pay for your bills after
the accident. And then there are coverages
that help if your car is damaged. Let’s say you need to replace or
repair your vehicle after a collision with another
car or object. Collision coverage helps pay
those costs. What if your car was damaged
by something other than an accident? Comprehensive coverage helps pay
to repair or replace your car if it’s damaged by things
like theft, animals, falling objects or fire. Finally, it’s important to
remember that each type of car insurance coverage has a
limit, which is the maximum amount your insurer will pay
for a covered claim. And, some coverages have
a deductible, which is the amount of money you
pay out of pocket toward a covered claim. Have questions? Reach out to your agent to learn
more about what types of coverage may be best for you.

4 comments

your in good hands with allstate right? welkl I,ve been paying allstate over 60 dollars a month for libility insurance aquird by law in south Carolina now for 3 years,friday I was on my way to the junkyaed to sell some scrapt to get a few dollars for gas and cigerettes for myself,i made a left turn on plattsprings road to get in a medium where I put my right turn signal on waiting to turn right into a side road so I could get to the salsage yard to sell my scrape2 cars went on by I waitd and looked to my right and looked threw my side mirror I saw nobody coming as quirter mile down the road so I pulled out and made my turn and that's all I remember when I woke up in an abulence,i hit my head and my car quirter panel was destroid,i fild a claim with allstate the next day the adjuster never came out to even look at my car,he said bewcause I only had libility coverage and I contributed to the accident I was not getting not one dollar for the accident,now im stuck with a junk car and more bills I cant pay,

Hell naw how she gone walk out fine then sit her ass on the ground like her knee hurt? 😂 She's a fraud!!! 🤣🤣🤣

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