Auto Insurance Coverages

Liability

Liability coverage offers protection for bodily injury and property damage when an accident is your fault. 

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 Motorist

Uninsured or underinsured motorist (UM) coverage protects you in the event of an accident where the person at fault is not insured or not insured enough to cover your losses.

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 your policy has uninsured/underinsured motorist coverage.

Medical Payments

Medical payments coverage helps pay for medical expenses resulting from a covered loss.

This coverage provides:

• Payment up to a selected limit to use for medical expenses resulting from a motor vehicle accident, regardless of fault

• Funeral expenses up to $5,000 

• 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)

Loss of Income

If you can't work due to an injury resulting from a motor vehicle accident, loss of income coverage pays 85% of your monthly income, up to $750 per month for up to one year after the date of the accident due to continuous total disability (for you, your spouse, family member or any other person occupying your car).

Accidental Death and Dismemberment & Loss of Sight (AD&D)

This insurance protection is an optional coverage that will pay if you suffer death, dismemberment (the loss or loss of use of body parts or functions such as arms and legs, speech, and/or hearing) or loss of sight as a result of a car accident or being struck by a car. The amount paid depends on the severity of the injuries.

Comprehensive

Comprehensive coverage protects your vehicle from events other than auto collisions.

This coverage provides:

• Pays for damage (less your deductible) to your vehicle resulting from fire, theft, collision with an animal, hail, or vandalism, including glass breakage

• Payment for transportation expenses following a theft of the entire covered car

• Limited coverage for non-owned cars including rental car 

• Up to $500 for loss of clothing and luggage as a result of a covered loss

• Up to $500 for loss of clothing and luggage as a result of a covered loss

• Up to $500 for loss of clothing and luggage as a result of a covered loss

Collision

Collision coverage is protection for your vehicle when you’re involved in an accident.

This coverage provides:

• Coverage (less your deductible) for loss of, or damage to your vehicle when caused by collision with another car or object

• Limited coverage for a non-owned car including rental car 

• Up to $500 for loss of clothing and luggage because of a covered loss

• Pays up to $250 for vet bills if a pet is injured in the accident

• Pays up to $250 to replace a child’s car seat following an accident

Loss of Use

Loss of use coverage helps cover rental expenses while your car is being repaired, so you can keep moving without added financial strain.

This coverage provides payment up to policy limits for a rental vehicle if your covered car is not able to be driven due to a covered loss. $30, $40, $50 and $100-per-day increments are available, allowing you to pick the coverage best suited for your vehicle needs.

Roadside Assistance

Roadside assistance coverage is designed to help you if your vehicle breaks down or has mechanical issues.  

If you find yourself stranded with a flat tire or a car that won’t start, 24/7 roadside services are available to assist you. This coverage may help reduce out-of-pocket expenses for covered services, up to your policy limits.

• Towing

• Fuel delivery 

• Locksmith services

• Mechanical assistance

• Battery jump-starts

• Tire changes