“Full coverage” auto insurance with Allstate generally includes a combination of liability, collision, and comprehensive coverage, along with optional add-ons tailored to your needs. This type of insurance offers extensive financial protection in a variety of scenarios, helping you cover costs for both your vehicle and damages you may cause to others.
Here’s a breakdown of what Allstate full coverage typically includes:
Core Components of Full Coverage Auto Insurance
1. Liability Coverage
- Bodily Injury Liability:
- Covers medical expenses, lost wages, and legal fees if you’re at fault in an accident that injures others.
- Required by law in most states.
- Property Damage Liability:
- Covers damages to someone else’s property (e.g., their car, fence, or building) in an accident where you’re at fault.
2. Collision Coverage
- What It Covers:
- Pays for repairs or replacement of your vehicle if it’s damaged in a collision with another car or object, regardless of fault.
- Examples:
- Hitting another car.
- Crashing into a tree, pole, or guardrail.
- Single-car rollovers.
3. Comprehensive Coverage
- What It Covers:
- Protects against damage to your car from non-collision events such as:
- Theft.
- Vandalism.
- Fire.
- Natural disasters (e.g., hail, floods, or earthquakes).
- Falling objects (e.g., tree branches or debris).
- Animal collisions (e.g., hitting a deer).
- Protects against damage to your car from non-collision events such as:
- Examples:
- Replacing a stolen car.
- Repairing hail-damaged windows.
Optional Add-Ons for Full Coverage
1. Uninsured/Underinsured Motorist Coverage
- What It Covers:
- Protects you if you’re involved in an accident with a driver who has no insurance or insufficient insurance to cover the damages.
- Why It’s Useful:
- Covers medical expenses, lost wages, and repairs.
2. Personal Injury Protection (PIP) or Medical Payments Coverage
- What It Covers:
- Pays for medical expenses for you and your passengers after an accident, regardless of fault.
- Additional Benefits:
- May cover lost wages, childcare costs, or funeral expenses.
3. Rental Reimbursement Coverage
- What It Covers:
- Pays for the cost of a rental car while your vehicle is being repaired after a covered claim.
- Example:
- Rental costs while fixing your car after an accident.
4. Roadside Assistance
- What It Covers:
- Services like towing, battery jump-starts, flat tire changes, fuel delivery, and lockout assistance.
- Example:
- Getting towed after a breakdown.
5. Gap Insurance
- What It Covers:
- Covers the difference between your car’s current market value and the amount you owe on your loan or lease if your car is totaled.
- Why It’s Important:
- Prevents you from being stuck with a loan balance after a total loss.
6. Custom Equipment Coverage
- What It Covers:
- Protects aftermarket or custom parts added to your vehicle, such as rims, sound systems, or performance enhancements.
7. Accident Forgiveness
- What It Does:
- Prevents your insurance premiums from increasing after your first at-fault accident.
- Eligibility:
- Often available to policyholders with a good driving record.
Benefits of Allstate Full Coverage
- Comprehensive Protection:
- Covers a wide range of scenarios, offering peace of mind.
- Customizable Add-Ons:
- Tailor your policy to fit your specific needs.
- Financial Security:
- Helps cover expensive repairs, replacements, or medical costs.
When Do You Need Full Coverage?
Full coverage is ideal if you:
- Have a newer or financed vehicle.
- Drive frequently in high-risk areas.
- Want broader protection for your car and financial security in case of accidents.
Final Thoughts
Allstate full coverage auto insurance combines liability, collision, and comprehensive coverage with optional add-ons like roadside assistance and rental reimbursement. It provides extensive protection, making it a solid choice for drivers looking for financial security and peace of mind. At Rate Frog, we help you compare auto insurance options to find the best coverage for your needs. Visit our platform today to secure the right policy for your situation!