Un title page Your Choice Auto Insurance
Allstate has developed a better, more affordable way to help keep safe drivers
covered and rewarded. Accidents happen – we understand. We also understand you
deserve something back when they don’t. Now it’s time you get the auto insurance
you’ve always wanted. The auto insurance features listed in the chart above are
available in many states and provide greater choices and the rewards you deserve
– from day one and at an affordable rate. Check to see if Your Choice Auto Insurance
is available
in your state.
Insurance Guide
Un title page
Glossary
'Combined
ratio' = loss ratio + expense ratio. Loss ratio is calculated by dividing the
amount of losses (sometimes including loss adjustment expenses) by the amount
of earned premium. Expense ratio is calculated by dividing the amount of operational
expenses by the amount of earned premium. A lower number indicates a better return
on the amount of capital placed at risk by an insurer. 'URIE'
= unincorporated reciprocal inter-insurance exchange. 'SSA'
= subscriber savings account. 'AIF'
= attorney in fact.
known
in the UK as motor insurance, is probably the most common form of insurance and
may cover both legal liability claims against the driver and loss of or damage
to the insured's vehicle itself.
If the likelihood
of an insured event is so high, or the cost of the event so large, that the resulting
premium is large relative to the amount of protection offered, it is not likely
that anyone will buy insurance, even if on offer.