All State Insurance Claims
All State Insurance Claims
Allstate is the third-largest insurer in the United States and it offers car insurance policies and a variety of financial services. The company just like any other insurer is interested in maximizing profits rather than paying you what you deserve. A CNN investigation in 2007 found that Allstate and other large national car insurance companies had been using various tactics to deny claims from injured claimants. Just a year later after those investigations, the insurer was ranked as the number one among the “worst insurers” according to the American Association for Justice (AAJ).
Allstate’s adjusters make their living denying claims and short-changing injury claims. That is why they use every hardball tactic at their disposal to make sure you get less than you are entitled to. Fortunately, there are things you can do to recover a fair value for your accident injury claim. You can do this by mostly learning how to combat the tactics Allstate uses to pay you as little as possible.
What To Do To Protect Yourself
There a number of strategic steps you can take to protect yourself from Allstate tactics to deny your claims. They include:
- Make sure a doctor examines you for injuries even if you only suffered minor injuries. Remember some injuries only become apparent weeks later after the accident
- Obtain a copy of the police accident report of your accident even if it was just a fender bender
- Take photos of the damage to your vehicle and your injuries
- Write down details about the accident including the time, date, weather conditions, and road conditions and more
- Get contact information and names of the eye witnesses
- Only sign documents if you are required to do so by law enforcement
- Call your insurance company and inform them about the accident
- Only give your opinion about your accident to your lawyer
Information You Need Before You File Your Allstate Insurance Claim
Get the following information ready before you file a claim with Allstate:
- All medical documentation from the health workers that examined or treated you following the accident
- The insurance policy number of the other driver and your insurance policy number and name
- The contact information of the passengers that were with you in the car
- Get a second opinion from a trusted repair shop about the damage to your car
- A copy of the police accident report from your accident
- Evidence for the damage to your car
Filing A Claim With Allstate
If you are injured or your car gets damaged in a car accident, you or your insurance company will have to file a claim against the at-fault driver. In case the at-fault driver is an Allstate policy holder, it is Allstate that will pay for your car repair costs and some medical expenses. The reason for this is that Texas is an at-fault state, which basically means that the driver that caused the accident pays for the losses of the other driver through their insurance. You can file claim with Allstate through the Allstate app, email, phone, or by using their online systems. To file a claim online you will have to register with an online username. Filing online makes it easy to check the status of your claim anytime or view or upload documents related to your claim.