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Car Accident Claims With Allstate

Based in Northbrook, Illinois, Allstate is the largest publicly-held personal insurance policy provider in the United States. It was founded as a part of Sears, Roebuck & Co. in 1931 but became an independent company in 1995. In its 90 years of service, it has increased the types of automobile insurance policies it offers and expanded its coverage area across the entire country. 

Allstate has six standard car insurance options: auto liability coverage, uninsured and underinsured motorist coverage, comprehensive coverage, collision coverage, medical payments coverage, and personal injury protection. 

Contact Sommers Schwartz today if you are insured by Allstate or have been in an accident involving an Allstate insured. Consulting with a Michigan car accident attorney can help resolve your claim quickly, more efficiently, and for more money. 

Before You File a Claim With Allstate

Before filing a claim with Allstate, you should be prepared for the conversation. It is critical to take notes about the accident right after it happens. Sometimes details of an accident may become hazy as time passes. Before dialing your Allstate representative, review these notes and gather all the other documents and information you need. 

To file an insurance claim after an accident, you will need to collect additional information and documentation. Have the police report number and the personal and contact details of all other drivers involved in the crash. Provide the Allstate representative with the names, phone numbers, addresses, insurance providers, policy numbers, and other contact details for everyone involved.

Filing an Insurance Claim With Allstate

If you have been in an accident and need to file a claim with Allstate, you have several options. You can call 1-800-ALLSTATE or manage your claim using the Allstate mobile app. The basic steps in the claims process are:

  1. Report your claim to Allstate. Keep the claim number to help track the status of your claim. 
  2. Allstate will evaluate the damage to your vehicle and provide repair estimates and repair options.
  3. Allstate will review your repair estimates and possible payment based on the terms and coverage of your insurance policy.

After filing a claim, you will be assigned a claims representative. The representative will collect information about your injuries and damages and discuss your policy coverage with you. Allstate will evaluate your claim to determine the extent of damages or injuries and determine whether the policy covers the losses. After reviewing the pertinent documents, photos, statements by drivers, witnesses, and passengers and physically inspecting the vehicle, the claims representative will report their findings.

The Allstate adjuster will often make a settlement offer quickly after the claim is opened, hoping to resolve your claim for less than its probable value. Do not accept an offer from Allstate or any other insurer without consulting an attorney.

Most people cannot know the potential worth of their case and feel pressured to accept an insurer’s offer. They may worry about medical bills and other expenses that pile up while they cannot work. Having an attorney on your side is key. An experienced attorney will look at all of the expenses and losses you have sustained because of the accident, both economic and non-economic, and determine a fair dollar value for the case. They will then negotiate with Allstate for a settlement that appropriately compensates you for what your case is really worth.

Potential Damages in an Accident Settlement

An experienced Michigan car accident claim attorney will look at the injuries and damages sustained in the accident and determine their actual worth. This includes economic damages (like medical bills) and non-economic damages (like pain and suffering). The effects of an auto accident can radiate across all aspects of an individual’s life, affecting their current livelihood and relationships, and future potential. In Michigan, an auto accident victim may be compensated for many kinds of damages, including:

  • Medical costs.
  • Future medical expenses.
  • Lost wages and benefits.
  • Lost earning potential.
  • Pain and suffering.
  • Emotional distress.
  • Disability.
  • Disfigurement.
  • Property damage.
  • Loss of consortium.

Do You Need a Lawyer?

Like other car insurance providers, Allstate’s priority is protecting its bottom line. Insurance adjusters can be aggressive and misleading on purpose. They employ these tactics to bully, shame, or frustrate accident victims into quickly accepting a low settlement offer. An attorney with experience handling claims with Allstate will recognize these tactics immediately. When an attorney is hired by the car accident victim and works on their behalf, an insurance company often comes to the negotiating table with a very different strategy. Having an attorney advocate for you evens the playing field and makes sure it is a fair fight. 

Sommers Schwartz Car Accident Attorneys Can Help 

Insurance laws and insurance claims can be highly intricate and frustratingly confusing. Even at its most straightforward, the insurance claims process is very time-consuming. You can spend hours preparing paperwork that turns out to be the wrong form for your policy or take some other clerical wrong turn. An experienced car accident attorney will eliminate these hassles, protect your rights, and obtain the compensation you are entitled to receive. Contact Sommers Schwartz as soon as possible. We are ready to fight for fair compensation for you after an accident.

For a free consultation, call Sommers Schwartz at (800) 783-0989. We work on a contingency fee basis, so you pay nothing until we win or settle your case favorably.

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