AUTO INSURANCE
COVERAGE OPTIONS
Liability
Protection for bodily injury and property damage when an accident is your fault.
What this coverage provides:
-
Payment of damages for bodily injury and property damage arising out of a car accident for which a covered person is legally responsible
-
Defense in the event of a lawsuit
-
In addition to our limits, Alfa will pay up to $50 a day for loss of wages for a covered person who attends a hearing or trial at our request.
Uninsured/Underinsured Motorists
Protection against people not insured or not insured enough.
What this coverage provides:
-
Payment for bodily injury damages caused by an uninsured/underinsured motorist for covered persons while operating or occupying a vehicle*
-
Payment for bodily injury damages caused by an uninsured/underinsured motorist for covered persons while pedestrians*
-
Property damage coverage when loss is caused by an uninsured/underinsured motorist (deductibles applicable) (For Georgia and Mississippi policyholders only)
*Only applies if uninsured/underinsured motorist is at fault and policy has uninsured/underinsured motorist coverage.
Medical Payment
Protection that helps pay for medical expenses resulting from a covered loss.
What this coverage provides:
-
Payment of reasonable medical expenses resulting from a motor vehicle accident, regardless of fault
-
Funeral expenses up to $2,500
-
Payment for reasonable medical expenses for a covered person while a passenger in a covered vehicle, non-owned vehicle, or as a pedestrian if struck by a vehicle
-
Pays reasonable cost for the use of a bed by a named insured staying overnight in a hospital with a family member injured in a car accident covered by your policy (up to policy limits)
Comprehensive
Protection for your vehicle in situations like storms or theft.
What this coverage provides:
-
Pays for damage to your vehicle resulting from glass breakage, collision with an animal, fire, theft, hail or vandalism
-
Payment (up to policy limits) for transportation expenses following theft of the entire covered car
-
Limited coverage for non-owned cars including rental car
-
Up to $200 for loss of clothing and luggage as a result of a covered loss
Collision
Protection for your vehicle when involved in an accident.
What this coverage provides:
-
Coverage (less deductible) for loss of - or damage to - your vehicle when caused by collision with another object
-
Limited coverage for a non-owned car
-
Up to $200 for loss of clothing and luggage as a result of a covered loss
All coverages are subject to policy limits. This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions.