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Were you injured in an accident by an Allstate-insured driver? You may be able to file an Allstate claim requesting compensation for your injury. This article will discuss the issues that come up most frequently. As is often the case with insurance companies filing a claim and obtaining compensation are two different things. Insurance companies are notoriously difficult to deal with, and Allstate is often tougher than most. The company is not usually disposed to paying generous sums on claims and will typically look to protect its bottom line. If you wish to recover fair compensation for your loss, you need to understand the Allstate claims process and how an attorney can help. Our Lakeland Allstate claims lawyer explain what you can expect when dealing with Allstate and what the claims process will require.
Allstate insurance company is considered the fourth largest insurance company in the US with assets in the hundreds of billions and profits of almost $5 billion in 2019, the company has the size and organization that positions it as an established, dependable insurer. However, like most insurance companies in the US, and perhaps more than most, Allstate is challenging. The company has been embroiled in controversy after controversy, all of which revolve around its refusal to pay policyholders fair value on their claims. The company won the top spot in the American Association for Justices 2008 ranking of the ten Worst Insurance Companies in America. Shortly before the report, the company was sued in a lawsuit that alleged it intentionally denied and underpaid claims to victims of Hurricane Katrina in Louisiana.
In this lawsuit, the company paid over $44,000 on a claim worth over $580,000. The court found against the company and ordered it to pay damages and penalties of over $2.8 million. A CNN investigation by Anderson Cooper shortly afterward also exposed the company as one of several major insurers that adopt a deny, delay and defend policy. The company has also been implicated in several other anti-policyholder controversies, including an active policy of bad faith in insurance claims. Allstate has now gained a reputation for being one of the hardest insurers to deal with. Their default policy is to deny claims and frustrate the policyholder or claimant by taking the case to court if necessary. This is why you must be adequately prepared to fight for fair compensation.
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Filing a claim with Allstate will be necessary if you are a policyholder with the insurance company or were injured by an insured driver. Since Florida is a no-fault state, you must typically turn to your insurer first if your claims are less than $10,000. But you can file a third-party claim with the other personal insurer for claims above that amount.
Allstate encourages its policyholders to file claims with the company through its online channels. This includes going through the mobile app, phone, or by contacting an agent. People filing third party claims are also encouraged to go through the website to better understand how they can commence their claims process. The company has slightly different procedures for filing auto claims, disasters, flood, motorcycle, and other claims. You can visit their website here for more details on how you should start the claims process. Apart from these, you may also be able to file a paper claim with all supporting documentation attached. Before filing your claim, you should ensure you have all the necessary documentation.
Allstate will typically require certain specific documentation from you before filing your claim. There are also other documents you should provide for a stronger claim. These include:
After you file your claim, you will be assigned a claim number. This number helps the insurance company track your claim internally and will be necessary for when you want to check on the progress of your claim. The company mentions on its website that after filing, it will send a professional to investigate the details of your loss and evaluate the damage you have suffered. This stage will typically include speaking with any witnesses you provide, conducting a physical examination of your vehicle, and reviewing medical documentation. The claims adjuster may also try to get you to make a recorded statement, claiming it is part of the claims process. Do not agree to do this without first speaking with an attorney. The purpose of a recorded statement is usually to try and catch you saying something that may hurt your claim later on.
You are not obligated to make a recorded statement to the at-fault insurance in Florida. However, you do have a responsibility to cooperate with your insurance company, but you have a right to speak to your Allstate claims attorney first. Once the investigation is complete, the company will send you an estimate of the damage and make a settlement offer. As a rule, this offer will rarely come anywhere close to what you deserve after your accident. So, you must speak with an attorney before accepting anything they put in front of you. Click here to learn what your case is worth.
Personal injuries can affect every part of your life, from your health to your financial stability. At Dismuke Law, we help injured victims navigate complex car accident claims and hold negligent parties accountable.
Our Lakeland Allstate Claims Lawyers combine deep legal knowledge with a commitment to achieving meaningful results for our clients. We are proud of our track record and stand ready to fight for the compensation you deserve.
Schedule a free consultation today by calling (863) 250-5050 or completing our online contact form.
Seriously injured? Have no coverage? We want to talk to you and we can help. We have two convenient office locations in Lakeland and Tampa and can even come to you if you are unable to travel due to your injuries. When you’ve been hurt in Florida, 1-800-ASK-DAVE is the only number you have to remember.
WHAT IS MY AUTOMOBILE ACCIDENT CASE WORTH?
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WHAT IS MY AUTOMOBILE ACCIDENT CASE WORTH?
CLICK HERE TO FIND OUT!
