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Auto Insurance Coverage Options 

Protection Designed With You In Mind


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.