Frequently Asked Questions
What is Insurance and Why do I need it?
Insurance is a financial safety net, helping you and your loved ones recover after something bad happens — such as a fire, theft, lawsuit or car accident. When you purchase insurance, you'll receive an insurance policy, which is a legal contract between you and your insurance provider
When I have an accident will my premiums go up?
There are a lot of considerations with this question. Do you have a policy with accident forgiveness, Was it an at-fault or not at fault accident? Purchasing a policy with accident forgiveness helps curb premium increased and can often help with lower deductibles.
What coverage do I need and Why?
Coverage is never universal and each family has different and special needs. Choosing coverage is important and should be carefully thought through to allow our Agency to help protect what you’ve worked so hard to gain.
Why are claims often so difficult?
Claims can be frustrating, especially if you’ve never been through one. Talk to your Agent before filing a claim in order to gather all your options and potential outcomes to make a well-informed decision. Get your Agent involved in the process
Why am I being told to Bundle?
Bundling with Allstate provides you with discounts you otherwise wouldn’t receive. Bringing your Home, Auto Boat, Golf cart etc. Sometimes referred to as a multipolicy, multiline or multiproduct discount, bundling your home and auto insurance together comes with benefits that can include: Increased savings. A multipolicy discount could save you anywhere from 5% to 25%, depending on the company and where you live
What is a Lapse in coverage?
Not having insurance: If your auto insurance expires or cancels, your biggest concern is not having coverage. That means if you cause an accident and hurt someone else or damage their car, you'll have to pay completely out of pocket. Same goes for damage to your car. You should avoid a lapse at all costs, no matter how short it is. You are at great risk if you are in an accident while you have no coverage. You may also incur fines or other penalties, such as the suspension of your driver's license or increased expenses from your lienholder if your insurance coverage lapses.