Can You Add Car to Insurance Online Allstate

Car Insurance FAQ

Find the answers to some of the most frequently asked questions about accidents, your car insurance policy and coverage.

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What are deductibles?

Your limit is the total amount we'll pay if you make a claim on a covered loss. Your deductible is the portion of the claim you pay. For example, if you have an accident which causes $2,000 in damage to your car and you have a $500 deductible, you will pay the first $500 and we would pay the remaining $1,500.

How do limits and deductibles impact my premium?

Your premium will be higher if you have a higher limit and a lower deductible. When choosing the deductible that's right for you, think about how much you could afford to pay if you were involved in an accident that resulted in damage to your car. If you have a lower deductible, you'll pay less out-of-pocket costs when you make a claim, however you'll pay a higher premium.

Does my insurance policy cover someone else who drives my car?

Your policy covers most licensed drivers who have permission to drive your car but there are certain exceptions. Speak to your agent for additional details.

Will I automatically receive a replacement vehicle if my car is being repaired?

If you have added Loss of Use or Transportation Replacement endorsement to your policy, we will cover the cost of alternate transportation such as a rental vehicle while your car is being repaired. This endorsement is not automatically included with your policy.

What happens if I have an accident and need to make a claim?

Auto Claims: Allstate's Claims team is here for our customers day or night to help you get on with your life as simply as possible. Visit Claims to find out how to report a claim and for contact numbers by province.

What does your auto insurance policy cover if personal items are stolen from your vehicle?

Your vehicle is covered by auto insurance, but most personal items that you may carry in your vehicle would be covered under your home, condo or tenant insurance policy (if you have one).

What is No-fault Insurance?

No-fault insurance refers to coverage under your policy that you may be eligible for, regardless of whether you were at fault for the accident or not. Depending on where you live, the limits of your entitlement to various benefits, like medical and rehabilitative benefits, may vary. There may also be options for you to add on additional coverage for these benefits.

How can I reduce my auto insurance premium?

• Keep building up your driving experience and keep a clean driving record.
• Choose a higher deductible if you are comfortable paying more out of pocket in the event that you are in an accident.
• Remove collision coverage on older vehicles if you are not concerned about having to repair or replace your vehicle.
• Combine your home and auto insurance with the same insurance company.
• Keep kilometres down and adjust how far you drive. Car pool or take public transportation when possible.

Does Allstate insure other types of vehicles like motorcycles and motorhomes?

Yes. Allstate offers insurance coverage for other vehicles including:

• Motorcycles
• ATVs
• Snowmobiles
• Boats/Watercraft
• Motorhomes, trailers

What type of car insurance does my newly licensed teenager need?

When your teenager is learning how to drive, call us to discuss the best approach. Driver training courses are an important step that can help prepare your teen for the roads. Your teenager's safety and protection is the most important consideration. As well, when learning how to drive with a driver training program, it may help lower your premium.

Do you have any tips to help me stay safe on the road?

Allstate is committed to our customers' safety. Here are a few tips to help keep you and your vehicle safe on the road:

Tips to keep your vehicle safe:

• Regularly service your car
• Check battery and fluid levels
• Replace worn wiper blades
• Use snow tires in winter (mandatory in some provinces)
• Change oil regularly
• Inspect hoses
• Replace worn bulbs

Safe driving tips

• Never drive impaired
• Don't talk or text while driving
• Avoid distractions like talking to drivers, changing radio stations, or searching for buttons on consoles
• Buckle up: always wear your seatbelt
• Leave a safe distance between your car and the car in front of you
• Watch out for pedestrians
• Stay visible: make sure your headlights and taillights are always working
• Check road conditions before you leave

What should I do if I get into an accident?

Accidents and mishaps are an unfortunate part of life. Being prepared can make the experience less frightening. Here are some helpful tips on what to do in case of an accident:

• Stay calm.
• Check for injuries and determine the extent of damage.
• If safe to do so, move your vehicle to the side of the road and turn on hazard lights.
• Call 911 to report the accident and any injuries; ask if police presence is required (usually it's not required if damage is estimated to be less than $2000).
• Do not admit fault or liability.
• If police presence is not required, go to a Collision Reporting Centre (if available in your area).
• Exchange information with other driver(s) including name, phone number, driver's licence and plate number, as well as insurance information.
• Exchange contact information with any witnesses.
• Record accident details for your records (weather conditions, what each car was doing, etc.) Take photos of the scene, if possible.
• Do not discuss your insurance limits or accept monetary compensation.
• Report the accident to your insurance company as soon as possible.

How can I get an auto insurance quote?

To get a quote and to obtain more answers to your car insurance queries Call us Today 1-800-ALLSTATE ( 1-800-255-7828 )

All information contained herein is for educational and reference purposes.

Can You Add Car to Insurance Online Allstate

Source: https://www.allstate.ca/webpages/auto-insurance/auto-faq.aspx