Chicago Allstate Insurance Car Accident Claims Lawyer
Allstate Insurance Company is one of the nation’s largest auto insurers, settling hundreds of thousands of vehicle accident claims every year. The Chicago car accident attorneys at Rosenfeld Injury Lawyers LLC have helped victims of car accidents across Illinois successfully resolve their claims with Allstate.
Our legal team can help you resolve a car accident claim with an Allstate insured driver that resulted in bodily injury or property damage. Our law firm accepts personal and wrongful death cases through contingency fee agreements, meaning all payments for our legal services are postponed until we settle your case.
Our personal injury lawyers have years of experience successfully resolving auto accident claims across the Chicago area. We currently represent clients throughout the United States, Illinois, and the Chicago area in the following localities: Cook County, DuPage County, Kane County, Lake County, Will County, Aurora, Chicago, Elgin, Naperville, and Schaumburg. Contact us now for a free consultation.
Allstate Insurance Car Accident Injury FAQs
How Does Allstate Accident Insurance Work?
Allstate offers auto insurance and bodily injury coverage to pay for property damage and the victim’s injuries. The policyholder likely has a deductible and coverage limit that restricts the amount of money the policy will pay.
What Type of Automobile Insurance Covers Injury Sustained During an Accident?
Allstate provides liability automobile insurance coverage that combines two different coverage types, including property damage and bodily injury. The bodily injury insurance provides limited coverage of likely up to $100,000 per injured person with a total limit of $300,000 or less for all claims in the same crash.
Does Allstate Paper Pain-and-Suffering?
The Allstate insurance company uses Colossus’s algorithmic program to determine the worth of a victim’s non-economic damages, including emotional trauma, mental anxiety, and pain-and-suffering. While the algorithm does not provide an accurate prediction of real value, it is based on the results of many compensation trials in the amount the jury has awarded the plaintiff.
What Damage Does Car Insurance not Cover?
The car insurance coverage policy limits might help divert the cost of repairs if the accident involved a collision with an object or another vehicle. However, the coverage does not extend to regular wear and tear of the vehicle’s components and tires or any mechanical breakdown.
Is Allstate Good at Paying Claims?
As the third-largest automobile insurance company in the United States, Allstate provides insurance coverage to millions of drivers and maintains over 3000 repair shops. Researchers indicate that the Company’s financial strength is rated good to excellent.
Allstate insurance policyholders are mostly satisfied with how the Company handles claims that might take weeks to months to settle.
What Should You not say to an Insurance Adjuster?
You will likely receive a call from the claims adjuster within the first few days after your accident. The adjuster was hired by the insurance company to handle your compensation claim.
When speaking to the adjuster, keep every answer short and concise. While you must speak the truth, do not provide any more information than necessary to answer the question.
If your words might not represent your best interest, consider hiring an experienced attorney specializing in accident cases to ensure the policy limits cover your serious injuries. An attorney can ensure that the insurance company is not acting in bad faith when handling the claimant’s compensation case.
“In Good Hands” With an Allstate Insurance Bodily Injury Claim
Allstate was an emerging division of Sears, Roebuck, and Co. in the 1930s. Since then, the insurer has asked potential consumers, “Are you in good hands?” Currently, the Company trails behind State Farm and GEICO insurance companies in the auto and home insurance industry.
Allstate maintains $120 billion in assets and generates $30 billion in revenue annually. The Company provides various products, including insurance solutions for homeowners, renters, drivers, and small businesses in the Chicago area and across the United States.
Frequently Asked Questions About Allstate Insurance Claims Related to Chicago Car Accidents
Can I Trust the Adjuster to Fairly Evaluate My Bodily Injury Claim?
Allstate is a profitable company that markets their business using successful advertising campaigns that suggest the insurance company is always on their policyholders’ side.
The Company is in business to generate profits for their shareholders and will often go to great lengths to ensure they maximize profits by shifting the responsibility and financial burden over to the injured victim. This practical business model minimizes payouts to the injured policyholder, other victims hurt, or killed by the auto policyholder, or both.
Does Allstate Use a Computer Formula to Evaluate My Auto Accident Claim?
That is partially true. Allstate typically generates its first settlement offer using Colossus, a proprietary computer system used by many major insurance companies, designed to determine the worth of an injury claim. Some insurance industry professionals suggest that Allstate relies on Colossus much more than any other insurance company.
Over the years, Allstate has been fined by regulatory agencies because they have inaccurately determined the fair value based on how a jury would decide on non-tangible damages, including pain and suffering. Some suggest that the complex Colossus computer algorithm reduces claim payouts by 20% or more than the case’s actual value.
Many in the insurance industry have indicated that Allstate deliberately tries to settle injury cases significantly below fair market value if the injured victim has yet to hire an injury attorney. If the injured party chooses not to settle the case for much less than what it is worth, Allstate is known to use overly aggressive defense strategies to protect their shareholders from paying out a fair settlement.
Is it True That Allstate Will Often Deny a Claim Outright or Delay the Settlement Offer for an Unreasonable Length of Time?
Yes, more than twenty years ago, the Company contracted McKinsey and Co., a legal consulting firm that used systematic strategies for forcing injured parties into accepting significantly lower than fair settlements, so they would not face a claim denial.
Allstate was known for punishing the injured party if they hired an attorney or did not accept Allstate’s settlement offer immediately. By 2008, many of Allstate’s documents for reducing settlement payments to boost profits came to light to the public.
So, is Allstate Better or Worse Than Other Insurance Companies When it Comes to Resolving Personal Injury Claims?
Allstate is about the same as every other auto insurer offering insurance solutions for personal injury cases. Like all other insurers, Allstate looks out for their shareholders, typically at the injured victims’ expense.
Because of that, it is crucial to hire an experienced personal injury law firm that can help in navigating through the complicated process of resolving an Illinois automobile accident claim.
What Steps do I Need to Take to Resolve my Claim for Compensation Successfully?
Our legal team recommends that you never agree to a settlement or sign any documentation with Allstate before contacting our office to discuss your legal options. Our Chicago car accident lawyers can help you through the Allstate auto claims handling process.
Information on the Allstate Auto Claims Handling Process
After a car accident, you should report a claim under your Allstate Insurance policy or the other party’s insurance company policy. You can file a claim by logging into the Allstate website, calling 1-800-ALLSTATE (1-800-255-7828), or sending correspondence through the mail at:
For Auto Claims
Allstate Insurance Company
P.O. Box 660636
Dallas, TX 75266
For Other Claims
Allstate Insurance Company
P.O. Box 120551819 Electric Rd. S.W.
Roanoke, VA 24018
After filing a claim, you can easily track the claims process on their website. Once you submit your complaint, Allstate will investigate the accident’s facts, estimate liability and coverage, and offer a resolution on the matter. Our legal team advises you to contact our law office today.
Let us handle every aspect of your claim for compensation to recover all your damages, including hospitalization costs, medical expenses, lost time away from work, loss of future earning capacity, funeral and burial expenses (in wrongful death cases), and non-tangible damages, including pain, suffering, mental anguish, grief, and emotional stress.
Chicago Car Accident Lawyers Committed to Maximizing the Value of Your Allstate Claim
Are you “always in good hands” with Allstate? Know that this insurer and other insurance companies are always on their shareholders’ side and never the injured party (accident victims). Allstate will only represent their best interest and never yours.
Did the negligent actions of another injure you or your loved ones, and you need to file a claim with Allstate or other insurance companies? If so, the car accident attorneys at Rosenfeld Injury Lawyers LLC can help.
We have years of experience resolving motor vehicle accident cases and negotiating maximum settlement amounts for our clients. Our office can also assist you with uninsured motorist coverage involving Allstate.
Let our team of personal injury lawyers protect your rights today to ensure your family receives adequate financial compensation to recover all your damages. Contact our law firm today at (888) 424-5757 (toll-free phone call) or through the contact form to schedule a free consultation.
All discussions with our law firm remain confidential through an attorney-client relationship. Our attorneys follow social distancing guidelines to prevent the spread of Covid-19 (coronavirus).