What’s inside:

• How to read your Auto Policy Declarations

• Understanding auto insurance:Coverages

Deductibles

Coverage limits

• What to do in case of an accident

Auto Insurance

made simple

How 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

Thank you forchoosing Allstate.Today there are many companies offering carinsurance, so we appreciate that you’ve chosen us.

We created this brochure to help you feel moreknowledgeable and confident about autoinsurance and the policy you recently purchased.

You can read it along with your Auto PolicyDeclarations and the Allstate Auto InsurancePolicy, both included in this mailing. Then, ifyou have any questions, please contact us.

You can find additional information atallstate.com/AutoMadeSimple

Call your Allstate Agent or 1-800-ALLSTATE to find out about product availabilityand qualifications in your state.

1

How else may we help you?We take pride in the service we provide our customers.And with our range of innovative insurance and financialproducts, we can help you protect your lifestyle.

Auto Insurance

• Your Choice Auto®Featuring:Accident Forgiveness, Safe DrivingBonus® Check, Deductible Rewards®and New Car Replacement

• Standard auto

Home Insurance

• House

• Condo

• Renters

• Manufactured home

• Landlords Package Policy

Power Sports Insurance

• Motorcycle

• Snowmobile

• Boat

• Motor home

• ATV

• There’s more—call us!

Business Insurance

• Business auto and fleet

• Property and liability

• Specialty insurance programs

• Supplemental insurancefor the workplace

Other Protection Options

• Personal Umbrella Policy

• Scheduled Personal Property

• Identity Theft Restoration

• Allstate Motor Club®

Financial Protection

• Life insurance

• Education funds

• Retirement

• Banking and Savings

2

How to read yourAuto Policy Declarations.

You’ll find your Auto Policy Declarations included in this mailing.This document “declares” the choices you’ve made for the policyyou bought, including:

• Coverages

• Deductibles

• Coverage limits

You’ll receive a new Auto Policy Declarations every renewal period,which is typically every six months.

The following page is an example of an Allstate Auto PolicyDeclarations and shows you where to find some of the importantinformation. It’s a good idea to check your own Policy Declarationsto make sure all the information is correct.

3

Your Declarations PageYour Declarations Page

Total premium.Each vehicle youinsure has its ownpremium amount.This total is for allthe listed vehiclesfor the policyperiod.

Coverages. If youhave more than onecar, the coverages willbe listed on separatepages for eachvehicle.

For more about coverages,see pages 4-10 of thisbrochure.

Discounts. Anydiscounts you mayhave received arelisted here.

Coverage limits.This shows themaximum limitAllstate will payfor each coveredaccident, for eachtype of coverage.

For more aboutlimits, see page 12of this brochure.

Driver(s) listed andvehicle(s) covered.This shows thenamed insuredand vehicle(s)listed on thisinsurance policy.

Deductibles.This shows howmuch you willpay out of pocketfor damage toyour vehicle foreach coveredaccident.*

For more aboutdeductibles, see page11 of this brochure.

Questions?Want to make changes? Call your Allstate Agentor 1-800-ALLSTATE.

Sample of Auto Policy Declarations

* 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.

Policy period.When you pay yourpremium by the due date, your policyautomatically continues for the time periodshown, usually six months.

If you’re at fault in an accident, you could be

held legally responsible for injury or damage

caused by the accident. All drivers are required

by law to have both of these liability coverages:

Bodily Injury Liability helps protectyou from paying medical costs, loss of incomeand funeral expenses of other people involvedin an accident.

Property Damage Liability helpsprotect you from paying for the repair orreplacement of another driver’s car.

4 5

Automobile Liability Insurancecan help protect your assets.

About coverages.Auto insurance protects you and your family in all kinds ofsituations involving a vehicle. This section of the brochuresummarizes common coverages. Some are optional. Othersare required in certain states. A good way to know whichcoverages you have purchased is to check your PolicyDeclarations under “Coverage.”

Coverages

Which vehicles are usually covered?

• The vehicle(s) listed on your PolicyDeclarations or any car you replace it with

• Any car you drive while yours is being repaireddue to an accident

• Any car you rent or borrow

If you damage another person’s caror other property in an accident,Allstate can help protect you frompaying for those damages.

Who’s covered?

• You, the policy owner

• Any resident in your homewho has a driver’s license

• Anyone you give permission to use your car

Coverages

Questions?Want to make changes? Call your Allstate Agent or 1-800-ALLSTATE.

If you injure someone inan accident, Allstate can helpprotect you from losing yoursavings or home to pay forthose damages.

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.

Bodily Injury Coverage includes your injuries or death,or those of your passengers or family members driving yourcar if it’s hit by a driver with little or no insurance.

Property Damage Coverage includes damage to your caror property if you’re hit by a driver with little or no insurance.(Not available in all states.)

There’s a coverage available to protectyou from drivers with no insurance.

Sure, you have car insurance. But there are a lot of other drivers

out there who don’t. What if one of them crashes into you?

Uninsured/Underinsured Motorist Coverage can help.It’s divided into two parts:

There’s a coverage that can also helppay for your injuries from an accident.

If you’re in an accident, whether it’s your fault or someone

else’s, paying for medical care can be a concern. That’s where

Medical Payments Coverage comes in. In some states, this

coverage may be known as Personal Injury Protection and may

cover additional expenses such as loss of wages while you’re

recovering from an accident.

If your car is damaged in an accident by adriver with little or no car insurance, Allstatemay help pay for repairs or replacement.

If you are hurt in a caraccident by a driver with littleor no insurance, Allstate willhelp pay for medical expenses.

If you’re injured in an auto accident,we’ll help pay for medical services youreceive within one year of the accident.This coverage also applies if you’re apedestrian struck by a car.

Your coveragemay include hospital bills,surgeries, x-rays, dental, pharmaceuticals,nursing services andmore due to an injuryfrom an auto accident.

6 7

CoveragesCoverages

Questions?Want to make changes? Call your Allstate Agent or 1-800-ALLSTATE.

If you crash your car, your car insurance can help to repair or replace it

so you can get back on the road again quickly. There are two types of

coverages to consider:

For each of these coverages, you may be responsible for the deductible

amount you’ve selected. (See page 11 for more about deductibles.)

Towing and Labor Costs reimburses you for towing andbasic roadside-assistance expenses if you’re stranded on the road.

Rental Reimbursement repays you for the cost ofrenting a car while yours is in the shop being repaired due to acovered accident—up to 30 days.

Sound System Coverage protects your investmentfrom theft or damage if you’ve installed a high-end sound systemin your car. Call your Allstate Agent or 1-800-ALLSTATE to see ifyour system qualifies.

Collision Coverage pays for damage to your car if youcollide with another car or something else such as a building,bridge or tree. If someone hits your parked car, this is considereda collision as well.

Comprehensive Coverage pays for damage or lossto your car caused by something other than a collision such astheft, fire, vandalism, windstorm or hitting an animal.

What about damage to your car? There are other coverages youcan buy to protect your car.

Allstate offers other coverages for additional protection for you

and your car. If you have selected these coverages, they will

appear under “Coverage” on your Policy Declarations.

If you’re in an accident,Collision orComprehensive Coverage can helppay for the repair or replacementof your car.

8 9Questions?Want to make changes? Call your Allstate Agent or 1-800-ALLSTATE.

CoveragesCoverages

If you’re stranded on the road,Towing and Labor Costs can helpreimburse you for towing and otherbasic roadside-assistance expenses.

Auto coverages at a glance.

The chart below summarizes key auto insurance coverages.

Your Policy Declarations shows the coverages you’ve chosen,

along with deductibles and limits—which is the maximum

amount Allstate will pay. (See page 12 for more about limits.)

About deductibles.A deductible is the amount of money you agree to pay to help

repair or replace your car if you have a claim covered by your policy.Type/Name Required Most Common Deductibleof Coverage or Optional? Add-ons May Apply

Bodily Injury RequiredLiability

Property Damage RequiredLiability

Uninsured/ Varies YesUnderinsured Motorist by state

Collision Coverage Optional Yes Yes

Comprehensive Optional Yes YesCoverage

Automobile Medical Varies YesPayments Coverage/ by statePersonal InjuryProtection

Towing & Labor Costs Optional

Rental Reimbursement Optional

Sound System Optional

Example: A driver damages his car in an accident and it willcost $5,000 to repair.

10 11

DeductiblesCoverages

Questions?Want to make changes? Call your Allstate Agent or 1-800-ALLSTATE.

Choosing a higher deductible means you might pay less for

your insurance premium now, but you should be prepared to

pay more out of your own pocket later if you have an accident.

Varies byproductand state

About coverage limits.Each coverage has a limit. If you have an accident claim covered by

your policy, we agree to pay for damages up to that coverage’s limit.

To print out additional copies of this page, go to allstate.com/AutoMadeSimple

Cut

outt

his

page

and

keep

itin

your

car.

Example: A driver causes an accident in which someone is injured.The case goes to trial and there is a verdict to compensate theinjured person with $57,000.

12

Coverage Limits

Questions?Want to make changes? Call your Allstate Agent or 1-800-ALLSTATE.

Choosing a higher limit means you might pay more for your

insurance premium now, but it could help protect you from

having to pay other people’s expenses later.

What to do in case of an accident.

1. Stay calm. Determine the extent of injuries or damage. If needed, obtainmedical assistance.

2. Call the police to file an accident report. Don’t leave the accident scene.

3. Limit discussion of the accident. Talk only with the police and yourAllstate Agent or an Allstate claim representative. Don’t admit fault at thescene or at any time.

4. Get the facts and essential details at the scene. Use the space belowto help gather information.

5. Report even a minor accident to us immediately. Allstate is available24/7/365. Call your Allstate Agent, 1-800-ALLSTATE (1-800-255-7828) or filea claim at allstate.com—select Claims.

6. Check the status of your claim. To check your claim’s status, contactyour Allstate claim representative, Allstate Agent or log on to your accountat allstate.com. For more information about claims, go to allstate.com/claims.

Accident InformationDDaattee aanndd ttiimmee

LLooccaattiioonn

NNaammee ooff ootthheerr ddrriivveerr

PPhhoonnee ((hhoommee//mmoobbiillee//wwoorrkk))

AAddddrreessss

CCiittyy,, SSttaattee,, ZZiipp

LLiicceennssee ppllaattee nnuummbbeerr//ssttaattee

DDrriivveerr’’ss lliicceennssee nnuummbbeerr//ssttaattee

IInnssuurraannccee ccoommppaannyy

PPoolliiccyy nnuummbbeerr

NNaammee ooff wwiittnneessss

PPhhoonnee nnuummbbeerr ooff wwiittnneessss

ll

Safe Driving Bonus® Check is not available in every state and may not be availableto renewal customers until next policy period. Amounts less than $5 will be applied to renewal bill. Safe Driving Bonus is optional and subject to terms and conditions.

Please note that this brochure is only a summary of auto insurance, written toillustrate in general terms how auto insurance works. The Allstate Auto InsurancePolicy, which is enclosed in this mailing, is the legal contract that contains the termsand limitations of your policy. You should carefully review the contents of yourpolicy. All coverages are subject to availability and limitations.Whether an accidentor other loss is covered is subject to the terms and conditions of your policy.

Certain property and casualty insurance offered through Allstate Insurance Company, Allstate IndemnityCompany, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty InsuranceCompany: Northbrook, IL; Allstate County Mutual Insurance Company: Irving, TX; Allstate New JerseyInsurance Company: Bridgewater, NJ. Life insurance and annuities offered through Allstate Life InsuranceCompany and in NY, Allstate Life Insurance Company of New York. Please contact your Allstate Agent, call 1-800-ALLSTATE or visit allstate.com for complete information on other products and services.

©2010 Allstate Insurance Company. allstate.com 01/10D10172

Welcome to the Allstate family.

For more than 75 years, Allstate has been there when people

need us most.

Because we want you to stay with us a lifetime, service is our top

priority. If you’re happy with Allstate, please tell someone you know.

If you’re not, please let us know right away so we can address it.

We want to deliver on our promise of keeping you in Good Hands.®

• Call, visit or e-mail your Allstate agency

• Call 1-800-ALLSTATE (1-800-255-7828)

• Visit allstate.com