Auto Insurance Coverages

Personal Coverage

Liability

Liability coverage offers 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

Uninsured or underinsured vehicle coverage offers protection against people who are not insured or not insured enough in their coverage amounts.
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

Medical payment coverage protection helps pay for medical expenses resulting from a covered loss.
 What 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 $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)

With medical payments coverage, you receive:
  • Regardless of fault, payment up to the specified limits provided in the policy, including reasonable, necessary medical and funeral services for a covered person injured in your covered car, or if you as a pedestrian are injured by a vehicle 
  • Payment for a bed for you or your spouse to stay overnight in the hospital with a family member who is in the hospital as a result of a covered loss up to the specified limits provided in the policy

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 (for you, your spouse, family member or any other person occupying your car).

Vehicle Insurance Coverage

Comprehensive

Comprehensive protection for your vehicle helps in situations like storms or theft.
What this coverage provides:

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

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

  • Coverage (less your 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 deductibles and 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.

With comprehensive or collision coverage, you receive:  
  • Payment up to $200 for loss of clothes and luggage owned by you or a family  member 
  • Payment, up to the specified limits in the policy, for transportation expenses because of the theft of the entire covered car

Loss of Use

Loss of use helps you get back on the road should your car need to be repaired.

With the average price to rent a full-size car of $35 per day and an average body shop repair time of 14 days, you could be looking at a hefty bill of nearly $500 — all before your car is ready for the road.
What this coverage provides:

  • Payment up to policy limits for a rental vehicle if your covered car will not run 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.

For pennies per day, your Alfa agent can help you be better protected.

6-month Premium for Loss of Use Coverage

Daily Limit Maximum Limit Your Cost
 $30 $750 $17
 $40 $1,000 $24
 $50 $1,250 $30
 $100 $2,500 $60

*Premium may vary based on driver age and vehicle model year. Premiums shown are approximate rates for adults with a 2010 or newer vehicle. 

Rental Vehicle Class/Example Average Rental Cost**
 Compact Car: Nissan Versa $420
Full-Size Sedan: Nissan Altima $490
Large Pick-Up: Dodge Ram 1500 $1,036
Minivan: Toyota Sienna $1,120
Full-Size SUV: Chevrolet Tahoe $1,246

**Based on 14-day repair time. Some exclusions apply. All coverages are subject to deductibles and 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. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy. 

 

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