Auto Coverage Options

Published by admin on January 12th, 2010 - in Auto Insurance

Stay Safe from Harm
As your life changes, so do your insurance needs.  Consider your personal situation when determining your coverage options.  Do you have children? Do you own a home? Do you have health insurance?  Do you lease or own your car? I can help you find the right coverage along with New Protection and Rewards like Safe Driving Bonus and Accident Forgiveness that Allstate delivers.

Review the auto insurance coverages summarized below. Each coverage explained below provides you with important liability, property and injury protections. For instance, Property Damage Liability pays for damages you are legally obligated to pay because of damage you cause to the property of others. Sound System Coverage is an optional coverage that you may select if you want coverage for an expensive sound system.

 

Protect Your Automobile with Property Coverages
Coverage
Description
Collision Coverage Your vehicle is an asset that you want to protect, maintain and repair if there are any damages.  Collision Coverage pays for damages to your automobile resulting from a covered accident with another car, or a covered collision with most anything else (such as a tree).
Comprehensive Coverage Accidents happen—and they’re not always the result of a collision with another vehicle. Comprehensive Coverage pays for damage to your vehicle that is not caused by collision, which may include, among other things, protection for damage caused by fire, hail, theft and vandalism, falling objects, explosion, and earthquake.
Additional Optional Coverages to Protect Your Assets
Coverage
Description
Rental Reimbursement Coverage If your car is being serviced or repaired due to a covered loss, you don’t have to be without transportation. Rental Reimbursement Coverage reimburses you for the cost of renting a car from a rental agency or garage—up to your coverage limits.
Towing and Labor Costs Coverage Are you reliant on transportation to complete your daily activities? Towing and Labor Costs Coverage reimburses you (up to the applicable limit) for your necessary towing charges should your car become disabled.
Other Optional Coverages May Include:

  • Automobile Death Indemnity Insurance
  • Automobile Disability Income Protection
  • Sound System Coverage
  • Tape Coverage (includes CDs)

Did you know that you could save money just by driving a safe automobile?  Find out which auto safety features may make you eligible for Allstate auto discounts and savings.
Protect Yourself and Others with Liability Coverages
Coverage
Description
Bodily Injury Liability Coverage If you’re responsible for injuring someone in an accident, you may be liable for, among other things, the costs of their medical treatment, lost wages, and pain and suffering. Bodily Injury Liability Coverage provides protection for bodily injury damages you’re legally obligated to pay because of injuries you cause to others in a covered accident.
Property Damage Liability Coverage When accidents happen, insurance does more than protect your automobile—it also protects your assets and provides you with financial protection from lawsuits. Property Damage Liability Coverage provides protection for damages you’re legally obligated to pay because of damage you cause to the property of others in a covered accident.
Uninsured Motorist Bodily Injury Coverage If you’re injured in an automobile accident by a negligent uninsured driver, would you want some help meeting your medical expenses and financial obligations? Uninsured Motorist Bodily Injury Coverage provides protection if you or your family are injured in a covered accident caused by a negligent uninsured driver.
Medical Payments Coverage If you’re injured in an accident, could you afford to pay the medical expenses? Medical Payments Coverage provides payment for the reasonable and necessary medical treatments you or your family incur as a result of a covered accident.
 
Get an Auto Quote
While shopping for auto insurance may not be a favorite on your To-Do List,  I can help make it easier. I’ll help you choose a policy with your individual needs in mind, explain coverages and deductibles and show you just how competitive our rates really are.To get protection for you and your auto:
 
 

* All coverages are subject to availability and qualifications. Other terms, conditions and exclusions may apply. This is a brief description of coverages; this is not a contract. Please read an Allstate policy for full coverage details.

Chris Huggins is licensed to sell Allstate insurance products only in the state(s) of Nevada. If you do not reside in the state(s) of Nevada or you’re not insuring property located in the state(s) of Nevada, please go to the Find an Agent section on allstate.com to search for another agent.

The material contained in this Web site is applicable only in the state of Nevada. This material is intended for educational purposes only. Allstate, through its insurance companies, subsidiaries, and brokers/dealers, offers property and casualty insurance, life insurance and registered securities. Certain products, such as variable annuities, variable universal life insurance, and mutual funds are available only through securities licensed representatives and sales material must be accompanied by a prospectus. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property & Casualty Insurance Company, and Allstate Fire & Casualty Insurance Company: Home Offices, Northbrook, IL. Life insurance and fixed annuity products are available from Allstate Life Insurance Company: Home Office, Northbrook, IL. Securities products, including variable annuities, variable life insurance, mutual funds and 529 plans, are offered by Allstate Personal Financial Representatives at FINRA registered branch offices of Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.
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