Business Auto Insurance Made Simple - Allstate

Business Auto Insurancemade simpleWhat’s inside: How to read an Allstate Business AutoPolicy Declarations Understanding business auto insurance:CoveragesDeductiblesCoverage limits Frequently asked questions What to do in case of an accident

Knowledge is power.We created this brochure to help you feel more knowledgeableand confident about business auto insurance.Your personal auto insurance won’t cover yourAt Allstate, we take pride in the service we provide our customers.business vehicles. That’s why it’s important toBusiness Auto Insurancehave the protection of a business auto policymade simpleAnd with our range of innovative insurance and financial products,we can help you protect your lifestyle.from Allstate.What’s inside: How to read an Allstate Business AutoPolicy DeclarationsIf you’re an Allstate customer, you can readAllstate offers a rangeof products to help youprotect your lifestyle. Understanding business auto insurance:CoveragesDeductiblesCoverage limits Frequently asked questions What to do in case of an accidentthis brochure along with your Business AutoPolicy Declarations and the Allstate BusinessAuto Insurance policy. Then, if you have anyPersonal Auto Insurance Your Choice Auto Featuring:Accident Forgiveness, Safe DrivingBonus Check, Deductible Rewards and New Car Replacement Standard autoquestions, please contact us.If you’re not an Allstate customer,this brochure can help you better understandbusiness auto insurance. If you have anyquestions, call your local Allstate Agent.You can also download this guide atallstate.com/BusinessAutoMadeSimpleHow to reach us 24/7. Call, visit or e-mail your Allstate agency Call 1-800-ALLSTATE (1-800-255-7828) Log on to create an account at allstate.com Download the AllstateSM Mobile app at allstate.com/mobileProperty Insurance House Condo Renters Manufactured home Landlords Package PolicyPower Sports Insurance Your Choice Motorcycle Featuring:Accident Forgiveness, DeductibleRewards , New MotorcycleReplacement and Rider ProtectionPackage Snowmobile Boat Motor home ATV There’s more – call us!Business Insurance Business auto Business Owner Policy Commercial Package Policy Inland marineFinancial Protection Life insurance IRAs and retirement AnnuitiesOther Protection Options Personal Umbrella Policy Scheduled Personal Property Identity Theft Restoration Allstate Motor Club Good Hands RoadsideAssistance Specialty insurance programs Supplemental insurance forthe workplaceCall your Allstate Agent or 1-800-ALLSTATE to find out about productavailability and qualifications in your state.

Your Declarations PageHow to read yourBusiness Auto PolicyDeclarations.Your Declarations PageForm of legalbusiness entity.This shouldaccurately reflecthow your business ororganization is set up.Policy period.Typically covers aone-year period.Coverage limits.This shows themaximum limitAllstate will payfor each coveredaccident,* for eachtype of coverage.When you purchase an Allstate Business Auto Insurance policy,you’ll receive a Policy Declarations. This document “declares”the choices you’ve made for your business auto policy, such asdeductibles for some coverages as well as optional protection youmay have purchased. It's important to note that the PolicyDeclarations is not a bill.You’ll receive a new Allstate Business Auto Policy Declarations everyrenewal period, which is typically every twelve months. You shouldTotal premium.Each vehicle andadditional coveragehas its ownpremium. The totalshown here is forall the vehiclesand coverages onyour policy.For more about limits,see page 13 of thisbrochure.Premium.This shows theapplicablecoverages, limitsand premiums foryour policy.always read through your renewal each year to make certain you’reup-to-date on the latest features of the policy, any changes inpremiums or other vital information.The following page is an example of an Allstate Business Auto PolicyDeclarations and shows you where to find some of the importantinformation. It’s always a good idea to check your own PolicyHired or borrowedcoverage.This sectionincludes detailsabout coveragesfor vehiclesyou rent on ashort-term basis.Covered autos.This column willinclude symbolsthat correspondto different typesof vehicles towhich eachcoverage applies.**Declarations to make sure all the information is correct.Sample of Business Auto Policy DeclarationsQuestions? Want to make changes? Call your Allstate Agent.* What does “covered accident” mean?It’s an insurance term that means an accident that falls within the bounds of the policy.Throughout the rest of this brochure, when we refer to an accident, we assume it is acovered accident.** See the “Description of Covered Auto Designation Symbols” section of your BusinessAuto Insurance Policy for information about covered vehicles.23

CoveragesCoveragesWhich vehicles are usually covered by an Allstate Business Auto policy?About coverages.Business auto insurance protects you and your business in all The vehicle(s) listed on your Policy Declarations orany vehicle you replace it with by notifying us within30 days of replacement Any vehicle you drive while yours is being repaireddue to an accidentkinds of situations involving a vehicle. This section of theIf you injure someone inan accident, Allstate can helpprotect you from losing yourbusiness assets to pay forthose damages.brochure summarizes common coverages. Some are optional.Others are required in certain states. If you’re an Allstatecustomer, you can check the coverages you have purchased bylooking at your Policy Declarations under “Schedule ofCoverages and Covered Autos.”Automobile liability insurancecan help protect your assets.If you or one of you employees is at fault in anaccident while driving your business vehicle, youcould be held legally responsible for injury ordamage caused by the accident. All drivers arerequired by law to have both of these liabilitycoverages:Bodily Injury Liability helps protectyou from paying medical costs, loss of incomeand funeral expenses of other people involvedin an accident.If you damage another person’s caror other property in an accident,Allstate can help protect you frompaying for those damages.Property Damage Liability helpsprotect you from paying for the repair orreplacement of another driver’s car.Who’s covered under an Allstate BusinessAuto policy? You, the policy owner Anyone you give permission to use your vehicleQuestions? Want to make changes? Call your Allstate Agent.45

CoveragesCoveragesThere’s a coverage available to protectyou from drivers with no insurance.There’s a coverage that can also helppay for your injuries from an accident.There are a lot of drivers out there who may not have car insurance.If you’re in an accident, whether it’s your fault or someoneWhat if one of them crashes into you or one of your drivers?else’s, paying for medical care can be a concern. That’s whereMedical Payments Coverage comes in. In some states, thisUninsured/Underinsured Motorist Coverage can help.coverage may be known as Personal Injury Protection and mayIt’s divided into two parts:cover additional expenses such as loss of wages while you’rerecovering from an accident.Bodily Injury Coverage includes your injuries or death,or those of your drivers or employees driving yourvehicle if it’s hit by a driver with little or no insurance.Automobile Medical Payments Coverage can helppay for some of your medical costs or funeral expenses if you oranyone in your vehicle is injured in an accident.Property Damage Coverage includes damage to yourvehicle or property if you’re hit by a driver with little or noinsurance. (Not available in all states.)If you’re injured in an auto accident,Allstate will help pay for medical servicesyou receive within one year of the accident.This coverage also applies if you’re apedestrian struck by a car.If you are hurt in an accidentby a driver with little or noinsurance, Allstate will helppay for medical expenses.If your vehicle is damaged in an accident by adriver with little or no vehicle insurance, Allstatemay help pay for repairs or replacement.Your coverage may include hospital bills,surgeries, x-rays, dental, pharmaceuticals,nursing services and more due to an injuryfrom an auto accident.Questions? Want to make changes? Call your Allstate Agent.67

CoveragesCoveragesWhat about damage to your vehicle?There are other coverages you canbuy to protect your vehicle.If your vehicle is damaged in an accident, your business autoinsurance can help to repair or replace it so you can get back toAllstate offers other coverages for additional protection for youbusiness again quickly. There are two types of coverages to consider:and your vehicle. If you have selected these coverages, they willappear under “Item Two” or “Item Four” in your Allstate BusinessCollision Coverage pays for damage to your vehicle ifyou collide with another car or something else such as a building,bridge or tree. If someone hits your parked vehicle, this isconsidered a collision as well.Auto Policy Declarations or by endorsement to the policy.Towing and Labor Costs reimburses you for towing andbasic roadside-assistance expenses if you’re stranded on the road.Comprehensive Coverage pays for damage or lossto your vehicle caused by something other than a collision suchas theft, fire, vandalism, windstorm or hitting an animal.Rental Reimbursement repays you for the cost ofrenting a vehicle while yours is in the shop being repaired dueto a covered accident — up to 30 days.For each of these coverages, you may be responsible for the deductibleamount you’ve selected. (See page 12 for more about deductibles.)If you’re in an accident,Collision or ComprehensiveCoverage can help pay forthe repair or replacementof your vehicle.If you’re stranded on the road,Towing and Labor Costs can helpreimburse you for towing and otherbasic roadside-assistance expenses.Sound System Coverage protects your investmentfrom theft or damage if you’ve installed a high-end soundsystem in your car. Call your Allstate Agent or 1-800-ALLSTATEto see if your system qualifies.Non-Owned Automobile Liability Coverageprotects you for injury or damage caused by your employeeswhile driving their own vehicles for your business operations.Hired Automobile Coverage extends liabilityor physical damage coverage for vehicles you rent on ashort-term basis.Questions? Want to make changes? Call your Allstate Agent.89