Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Allstate is one of the nation’s largest property and casualty insurance providers
  • Minimal insurance requirements vary state to state
  • Collision coverage will pay for damages, whether you are at fault or not

Allstate, one of the nation’s largest property and casualty insurers, is a company that believes in offering unique and exciting auto insurance options to its customers.

Allstate has a variety of coverage options which will allow you to custom-fit your policy to your insurance needs.  But finding the right policy takes more than simply choosing basic coverage.

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What are the minimal requirements?

All states require that you have liability auto insurance. While there are some states who operate under the “no-fault” law most fall under “tort liability” laws, which means you are liable for damages caused by you in an accident.

If you operate a motor vehicle you must often prove financial responsibility in case you cause an accident, and most motorists choose to do so by purchasing liability insurance.

The amounts you need to meet state minimum requirements vary from state to state, but even if you have the minimum coverage, you may not be fully protected if you cause an accident.

For this reason, it is very important to discuss your liability coverage with your Allstate agent and be sure you have enough to protect yourself and your assets.

Allstate offers an interactive tool on its website so that you can check your state’s requirements for liability insurance.

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Auto Insurance Coverage Options with Allstate

After you purchase liability insurance, most other forms of coverage are considered “optional.”

Of course, if your vehicle is financed, the lender may require a certain amount of insurance above and beyond your basic liability, such as comprehensive or collision coverage.

However, if your vehicle is paid off, it is up to you whether you choose these forms of coverage. There are very good reasons to choose the optional coverage offered by Allstate.

— Medical Payments Coverage

Medical payments coverage is an option which covers your medical bills, or those of your passengers if you are involved in an accident. This is a form of “no-fault” coverage, as payment does not depend on whether you are at fault.

In choosing medical payment coverage, you should consider other existing health insurance you may have and whether it will pay in the event of a car accident.

— Uninsured or Underinsured Motorist Coverage

One of the most important forms of optional coverage you can have, and which everyone should always carry, is uninsured or underinsured motorist coverage.

With 25 percent or more of drivers on the road without insurance, it makes sense to have this coverage at all times.

If you are involved in an accident in a tort liability state in which the other person is uninsured, you will have to sue for damages—which may be a long and expensive process, with little to show for it at the end.

On the other hand, with uninsured motorist coverage, your insurance company takes on the job of collecting money from the uninsured driver—and simply pays your bills, so you can be treated for injuries or have your car fixed.

Some states are even requiring uninsured motorist coverage now, with basic minimums just as they set for liability insurance.

— Collision Insurance

Another form of optional coverage is collision insurance.

In tort liability states, your insurance does not pay for damages to your vehicle if you cause an accident. On the other hand, if you have a collision, your vehicle will be fixed no matter who is at fault.

This is a good option to have if you have a newer car and repairs would be more costly.

— Comprehensive Car Insurance

Comprehensive coverage pays for damages to your vehicle caused by anything other than an accident. Theft, fire, and flood damages all fall under this category.

If you cannot afford to replace your vehicle out of your own pocket, it is a good idea to have comprehensive coverage.

You can lower the cost of your Allstate comprehensive policy by having certain safety features, such as anti-theft devices, on your car.

— Personal Injury Protection

https://www.youtube.com/watch?v=8FgE0tvRosw

Allstate also offers personal injury protection for those drivers in no-fault states who require this coverage.

It pays for all of your expenses, no matter who is at fault, up to the policy limits, if you are involved in an accident.

Personal injury protection, or PIP, is required in no-fault states, but it can also be purchased as an option in liability states.

Other forms of optional insurance available from Allstate are towing reimbursement, rental reimbursement, and sound system coverage, all of which help mitigate the cost of an accident for you.

Allstate is one of the largest auto insurance companies in America so it’s a good idea always to consider Allstate as an auto insurance provider. Talk to an Allstate agent about your coverage and liability limits.

By raising or lowering your deductible, raising or lowering the amount of coverage you have, or adding or deleting various portions of your automobile insurance policy, you can craft a coverage plan that is just right for you!

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