Frequently Asked Questions

What are limits and 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 resulting in $2,000 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 can afford to pay if you have an accident. 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?

Yes, your policy covers most licensed drivers who have permission to drive your car. 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 coverage to your policy, we will cover the cost of alternate transportation such as a rental vehicle while your car is being repaired.

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

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 the personal items (e.g. briefcase, iPod) that you carry in your vehicle are covered under your home insurance policy.

What is no-fault Insurance?

No-fault Insurance is a misnomer. One driver is always deemed to be at-fault for a collision. No-fault insurance means that no matter who is responsible, each driver will contact their own insurance provider and the provider will pay for any repairs or health benefits required.

How can I reduce my auto insurance premium?

  • Keep building up your experience and keep a clean driving record.
  • Choose a higher deductible.
  • Remove your collision coverage on older vehicles.
  • 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 where 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
  • motorhomes, trailers

What type of insurance does my newly licensed teenager need?

When your teenager is preparing to drive, call us to discuss the best approach for your family. Driver training is an important step and being added to a policy when you are learning to drive is a good way to build experience at a lower price. Your teenager’s safety and protection is the most important consideration.

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 wipers
  • Use snow tires in winter (mandatory in some provinces)
  • Change oil regularly
  • Inspect hoses
  • Replace worn bulbs

Safe driving tips

  • Don't drive impaired
  • Minimize distractions
  • Buckle up
  • Leave a safe distance
  • Watch out for pedestrians
  • Stay visible
  • Check road conditions before you leave
  • Don’t talk or text while driving

What should I do if I get in an accident?

Accidents and mishaps are 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.
  • Do not admit fault or liability.
  • 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 $1000).
  • 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. Also
  • exchange contact information with any witnesses.
  • Record accident details for your records (weather conditions, what each car was doing, etc.)
  • Do not discuss your insurance limits or accept monetary compensation.
  • Report the accident to your insurance company as soon as possible.

Visit for more tips on how to keep you and your vehicle safe on the road.
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