What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage.Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium
Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage.Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium
There’s a lot to know about auto insurance
Auto insurance can help protect you, your family and your car. Auto insurance can help you restore your assets if they're lost or damaged. It can also help protect you in the event of a lawsuit. All of which can mean greater peace of mind for you.
Your Choice Auto Insurance
Allstate has developed a better, more affordable way to help keep safe drivers covered and rewarded. Accidents happen – we understand. We also understand you deserve something back when they don’t. Now it’s time you get the auto insurance you’ve always wanted. The auto insurance features listed in the chart above are available in many states and provide greater choices and the rewards you deserve – from day one and at an affordable rate. Check to see if Your Choice Auto Insurance is available in your state.
Car Insurance Coverage Options
Depending on your situation, your car insurance coverage needs will vary. Whether you're buying a new car or adding your teenager to your car insurance policy, Allstate has auto insurance coverage options that can help provide the liability, property and injury protections that are right for you. And, if you drive a safe car or if your teenager has good grades, you may even qualify for our auto insurance discounts.
Get free auto insurance quotes online and save!
Now, union members can save up to $398* or more on auto insurance. Union Plus Auto Insurance from AIG, a world leader in auto insurance, is available to participating union members and their families.
Call 1-800-294-9496 for your free auto insurance quote. Or select your state (see blue box in the right column) and get auto insurance quotes and rate comparisons online now.
Don't miss the following benefits for Union Plus Auto Insurance policyholders:
Call 1-800-294-9496 for your free auto insurance quote. Or select your state (see blue box in the right column) and get auto insurance quotes and rate comparisons online now.
Don't miss the following benefits for Union Plus Auto Insurance policyholders:
Driver Education Grants: Union Plus Auto Insurance policyholders can get money to take one of these driving courses. By taking one of these courses, you may be eligible for discounts on your auto insurance policy. Discount availability varies by state. Premium Deferment During Prolonged Strikes or Lockouts The Union Plus Auto Insurance Program will provide members with a strike benefit that allows policyholders to defer their premium payments for two months in case of a union sanctioned strike or lockout lasting 90 days or longer.
Added Services...at No Additional Charge
An added measure of security is built into every Union Plus-sponsored auto insurance policy. Your coverage now includes free access to the full services of AIG Security Advantage that includes:
24-Hour Roadside Assistance
Emergency Travel & Medical Assistance
Identity Theft Restoration Service*
*Not available in New York
Reliability
Auto insurance coverage you can trust - underwritten by member companies ofAmerican International Group, Inc. (AIG)
With more than $800 billion in assets and approximately $80 billion in shareholders' equity, AIG is one of the strongest and most stable insurance and financial services organizations in the world.
Flexibility
Auto insurance policies available for drivers with less than perfect driving histories
Freedom of choice - union members can select body shop or mechanic if repairs are necessary
Original equipment manufacturer replacement parts are available
Round-the-Clock Service
Call AIG companies at 1-800-241-1188 to report a claim. Service is available 24 hours a day, 7 days a week. For changes to your AIG auto insurance policy or to ask customer service a question, call 1-800-241-1188.
Already have an AIG auto insurance policy? Manage your account online to pay your bill and check your coverage.
AUTO INSURANCE INFORMATION
If you own a car, auto insurance is not just an option—it is a legal necessity. And you wouldn't want it any other way. If you are involved in an accident or have your car stolen, owning the right kind of auto insurance can help to ease a difficult situation. The information below will provide some answers and help you ask the right questions in order to find the most appropriate solutions
Q: If I don't have auto insurance, and am involved in an accident that is completely not my fault, will the party at fault's insurance pay for the repairs to my car?
A: Yes, assuming that unlike you, the “party at fault” is carrying at least basic liability coverage, his or her insurance will pay for the damage incurred by their client. However, if the fault for the accident is shared, for example 50-50, then the other driver’s insurance will cover his or her portion of the damage, but will only cover your portion if the other driver is also carrying uninsured motorist insurance. However, uninsured motorist insurance is not obligatory in every state, and you should not count on it. Whatever the insurance situation of the other party, not carrying auto insurance is against the law, so you would be wise to buy it. Penalties for non-compliance with insurance laws vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states
In: http://www.allstate.com/auto-insurance.aspx
http://www.unionplus.org/benefits/auto/insurance.cfm
An added measure of security is built into every Union Plus-sponsored auto insurance policy. Your coverage now includes free access to the full services of AIG Security Advantage that includes:
24-Hour Roadside Assistance
Emergency Travel & Medical Assistance
Identity Theft Restoration Service*
*Not available in New York
Reliability
Auto insurance coverage you can trust - underwritten by member companies ofAmerican International Group, Inc. (AIG)
With more than $800 billion in assets and approximately $80 billion in shareholders' equity, AIG is one of the strongest and most stable insurance and financial services organizations in the world.
Flexibility
Auto insurance policies available for drivers with less than perfect driving histories
Freedom of choice - union members can select body shop or mechanic if repairs are necessary
Original equipment manufacturer replacement parts are available
Round-the-Clock Service
Call AIG companies at 1-800-241-1188 to report a claim. Service is available 24 hours a day, 7 days a week. For changes to your AIG auto insurance policy or to ask customer service a question, call 1-800-241-1188.
Already have an AIG auto insurance policy? Manage your account online to pay your bill and check your coverage.
AUTO INSURANCE INFORMATION
If you own a car, auto insurance is not just an option—it is a legal necessity. And you wouldn't want it any other way. If you are involved in an accident or have your car stolen, owning the right kind of auto insurance can help to ease a difficult situation. The information below will provide some answers and help you ask the right questions in order to find the most appropriate solutions
Q: If I don't have auto insurance, and am involved in an accident that is completely not my fault, will the party at fault's insurance pay for the repairs to my car?
A: Yes, assuming that unlike you, the “party at fault” is carrying at least basic liability coverage, his or her insurance will pay for the damage incurred by their client. However, if the fault for the accident is shared, for example 50-50, then the other driver’s insurance will cover his or her portion of the damage, but will only cover your portion if the other driver is also carrying uninsured motorist insurance. However, uninsured motorist insurance is not obligatory in every state, and you should not count on it. Whatever the insurance situation of the other party, not carrying auto insurance is against the law, so you would be wise to buy it. Penalties for non-compliance with insurance laws vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states
In: http://www.allstate.com/auto-insurance.aspx
http://www.unionplus.org/benefits/auto/insurance.cfm
http://www.iii.org/individuals/auto/
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