Are you in good hands when filing a claim with Allstate? Working with an unruly car insurance provider after an accident can make the difficult situation of a wreck even worse. As an indication of just how onerous the process has become, CNN has reported, “Chances are good that you will be in the fight of your life to get the insurance company to pay all the medical costs you incur — even if the accident was no fault of your own.” Luckily, Allstate provides several online features that make the claims process easier. Allstate was founded in 1931 and is one of the largest insurers of vehicles in America.
If you’ve been injured in a car accident in Alabama, the first concern is always injuries. Make sure your passengers and the driver of the other car are receiving medical treatment, as needed. If you’re vehicle is blocking traffic, move it to the shoulder or out of the flow of traffic, as this can create additional hazards and will also minimize your risk for additional damage. Take detailed notes of the accident and be sure to get the other driver’s name, contact information, insurance carrier, and policy number. When you get ready to file a claim with Allstate, have this information handy, along with your own insurance information and policy number. Once online, you can quickly move through Allstate’s Claim website to file a claim, find a claim number, or track a claim. This is also a good time to review your policy to find out what’s covered and what’s not. If you have any questions on what’s covered, be sure to ask the Allstate Claims Representative.
When you’re ready to file a claim, point your web browser to https://www.allstate.com/claims.aspx or call 1-800-ALLSTATE. Interestingly, you can also get in touch with Allstate via Twitter at @allstatecares. Allstate also provides a mailing address for auto claims: Allstate Insurance Company, P.O. Box 660636, Dallas, TX 75266. Utilize their insurance claim worksheet to help you keep track of your information pertaining to your claim.
After you file a claim (and assuming your car was damaged), you’ll schedule a vehicle inspection to assess the damage. Depending upon your location, Allstate may ask that you drive to one of their service centers, drive to a mechanic in their network, or they may send an investigator to wherever your car happens to be. Nevertheless, you can opt to have your car repaired at the repair shop of your choice. Allstate provides rental car service and towing, depending upon your policy.
Based on your report of what happened and their investigation, Allstate will help assess fault to determine the value of your claim. Depending upon your policy, you may be covered even if you were the at-fault driver. If you were not at-fault, Allstate will pursue the at-fault party to recover your deductible. If you discover additional damage after your vehicle has been repaired, notify Allstate and depending upon their determination of whether the additional damage was a result of the wreck, Allstate may authorize additional repairs.
In order to secure an adequate settlement from Allstate, it’s important to be familiar with general and special damages and how they’re calculated. Special damages are those that you can easily figure, such as lost wages, medical bills, and vehicle damage. Pain and suffering, on the other hand, is calculated as general damages and is more difficult to determine. In deciding what general damages you will receive, Allstate may apply a multiplier to your special damages based on the severity of your wreck, injuries sustained, recovery time, circumstances of the wreck, and other factors.
Many insurance companies use a computer program called Colossus to calculate your settlement. Allstate is one of them. Claims adjusters input information about your accident into Colossus which then recommends a settlement range. Allstate insurance adjusters rely heavily on the program which sometimes comes into play during bad faith insurance cases. Once Colossus spits out a dollar figure for your case, Allstate can ‘tune’ Colossus’s recommendation which often results in a reduced settlement offer.
If you or a loved one suffered a personal injury as a result of a car accident, an experienced personal injury attorney may help you determine your rights and evaluate your potential settlement. A car accident is traumatic enough; consider allowing a personal injury lawyer help you navigate the recovery process. If you were unable to work as a result of the crash, or suffered physically or mentally, an experienced car accident attorney may be able to help.
For a free and confidential consultation on your personal injury claim, call or email us today.