Allstate Mayhem: What Exactly Should We Be Worried About?
FREE Car Insurance Comparison
Compare quotes from the top car insurance companies and save!
Secured with SHA-256 Encryption
UPDATED: Mar 13, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
Well, if Allstate has their way, we should worry about everything unless they are our insurer.
Normally known as the “Good Hands People,” Allstate has switched gears with this campaign in an attempt to capture a larger market share by having both the “good hands” and “mayhem” campaigns run at the same time.
The goal is to catch both the price sensitive and those who worry they might not be covered properly if they are not insured with a company who has nationally televised commercials.
The recession forced many insurers to focus their advertising on premium price, as many Americans felt the squeeze and looked to save money in the family budget anywhere they could…often times looking to insurance as a means to save a buck.
This is the opposite of the usual (pre-recession) message of many national insurers who advertise on television and radio, which are normally priced higher than many lesser known insurers.
Companies like Allstate, State Farm and Farmers normally focus their advertising dollars on brand recognition and “selling” service, security and longevity, creating a sense of exclusivity associated with their company…
What is Allstate Mayhem?
“Allstate Mayhem” is the most recent advertising campaign to hit the web and the airwaves.
This new round of commercials is meant to instill fear in the insured and make us question how well covered we are with a company that might not be nationally known or use its advertising dollars for television and radio commercials.
You may have seen the commercial where the “mayhem” character knocks a tree limb down onto a car during a windstorm.
We are then asked to contemplate if we have coverage for that particular type of loss. If we are not sure, we need to contact an Allstate agent to make sure.
What’s the reality of the situation?
As usual, the reality of the situation is much different than what a TV commercial might tell you.
Similar to a single paper towel soaking up a gallon of water in one swipe (while a disclaimer in tiny point font tells us it actually took 45 minutes for the water to soak up), Allstate is not necessarily being fair with the statement.
For the record, a tree limb falling on your car would be covered by comprehensive coverage on any auto insurance policy.
Unless, in an attempt to save money on your auto insurance, you removed physical damage coverage from your policy when switching insurance companies, Allstate isn’t doing you any favors. If your current policy has “comp” and is still cheaper than Allstate, you don’t need to switch again (this is the part of the story the commercial leaves out).
For the record, you typically must carry full coverage on an auto insurance policy if you have a loan/lease out on the vehicle. Your lender, known as the loss payee, demands this coverage to insure their financial interest in the vehicle.
Of course, if you did remove coverage in an attempt to lower your insurance premium to fit a shrinking budget, it is highly recommended you add the coverage back to your policy as soon as you can afford to do so…with Allstate or any other company who offers you the best deal.
A savvy insurance consumer will make sure to compare coverage apples-to-apples between any two (or more) insurance companies before making a decision to purchase.
Be sure to contact a local independent insurance agent to ensure you have the coverage you need at the price you want. If that happens to be Allstate…great.
Read more: Top auto insurance companies.