Allstate Pain and Suffering Settlements
Allstate Insurance Company is one of the nation’s largest auto insurers, settling hundreds of thousands of vehicle accident claims every year. The personal injury attorneys at Rosenfeld Injury Lawyers LLC have helped victims of car accidents across Illinois resolve their claims with Allstate.
Our legal team can help you sort out 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 resolve your case.
Our car accident lawyers have years of experience successfully resolving auto accident claims across the Chicago area.
We currently offer legal representation to clients throughout the United States. Contact us now at (888) 424 5757 for a free consultation.
Who Is Allstate Insurance Company?
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.
According to the American Association for Justice, in 2018, Allstate was the worst insurer in the United States. Allstate was ranked 29th out of 34 companies in NerdWallet's rankings in the same year.
Allstate's reputation as a "good hands" company has been hurt by the many lawsuits it has faced in recent years.
Allstate Insurance Company Dealing With Car Accident Cases
A careless driver can wreck a lot more than just your car – they can leave you with debilitating injuries that may require years of expensive medical treatment.
If a driver insured by Allstate is responsible for an automobile accident that injures you, you may be able to receive a settlement for your "suffering and pain."
Some common auto accident injuries include:
The at-fault driver and their defense counsel may claim that you have not suffered enough to warrant the high settlement amount you are requesting.
Personal Injury Claim Against Allstate
Your insurance agent should give you a good idea of what your policy covers and how much you can expect to receive in settlement offers.
A personal injury claim against Allstate is likely to fall under "pain and suffering" damages, including compensation for physical pain, emotional distress, and loss of enjoyment of life.
Allstate may also be required to pay for your economic (lost wages) and non-economic damages. Medical bills, lost wages, and other financial hardships, including having your car repaired, can cause considerable stress to accident victims and their families.
Uninsured motorist claims can be some of the most difficult to settle. You are already struggling with an accident, and the last thing you want to deal with is a lengthy legal battle.
Allstate-insured motorists involved in an accident with an uninsured driver may be entitled to compensation for their damages, including medical expenses and property damage.
How to File Allstate Personal Injury Claims
The first step is to notify Allstate of the accident. You can do this by calling their customer service number or visiting their website.
Once you have notified them of the accident, you will need to provide some basic information, such as your contact information, the date and time of the accident, and a brief description of what happened.
Upon receiving this information, Allstate will open a claim file and assign an insurance adjuster to your case. The adjuster's job is to investigate the accident and determine who was at fault.
After the adjuster completes the investigation, Allstate will make a settlement offer. If you accept the offer, Allstate will pay you the money they have determined your injuries are worth.
A bad faith insurance claim is when an insurance company denies or delays payment of a claim, although the claim is valid.
If You Decline the Initial Offer
If Allstate presents an unfair settlement offer, your personal injury lawyer can negotiate with the claims adjusters for a higher amount.
If you cannot agree with the claims adjuster, your lawyer can file a lawsuit against Allstate.
Settlement Time for Allstate Claims
The amount of time it will take for Allstate to resolve a pain and suffering claim will vary depending on the severity of the injuries and the circumstances surrounding the accident.
However, some claims may take longer to resolve due to the complex nature of the case or the amount of money involved because Allstate will want to save as much money as possible to ensure that they are not overpaying on the claim.
Your experienced personal injury attorney can help you navigate the claims process and ensure that your rights are protected.
Your Allstate Settlement
The amount of your Allstate payout will be based on many different factors.
The Severity of Your Injuries
Naturally, the more severe your injuries are, the more money you will be eligible to receive, including the pain and suffering you endured and any long-term effects of your injuries.
For example, if you suffered back and neck injuries that have left you with chronic pain.
The Cost of Your Medical Treatment
Allstate will also consider your medical expenses when calculating your payout, including current and future medical bills and physical therapy.
Your injuries will also have an impact on other areas of your life. For example, if you can no longer work or have to give up a hobby you enjoy.
Allstate will look at how your injuries have changed your life and how this has affected you emotionally, mentally, and physically.
The Experiences of Similar Cases
Allstate will also look at similar cases to yours when calculating your payout, including cases that have gone through the court system and those that Allstate settled out of court previously.
By looking at similar cases, Allstate will decide how much they are willing to pay for your claim.
The Strength of Your Case
Finally, the strength of your case will also influence your Allstate payout. If you have strong evidence to support your claims, such as witness statements or medical records, this will increase the chances of a higher payout.
The medical records will play a vital role and ensure Allstate pays a settlement for pain and suffering.
The records will show the extent of the personal injuries and how long it took you to reach maximum recovery.
Allstate Insurance Claims Related to Chicago Car Accidents
How Allstate Accident Insurance Works
Allstate offers auto insurance and injury coverage to pay for property damage and the victim’s injuries. The policyholder likely has a deductible and an auto insurance coverage limit that restricts the amount of money the insurance policy will pay.
What Automobile Insurance Covers Injury Sustained During an Accident
Allstate provides liability insurance coverage that combines two coverage types: property damage and physical injury. The injury insurance offers limited coverage of likely up to $100,000 per injured person with a total limit of $300,000 or less for all auto claims in the same crash.
Compensation for Pain-and-Suffering
Allstate operates 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 accurately predict real value, it is based on the results of many compensation trials in the cash benefits that the jury awarded to the plaintiffs.
Damage Car Insurance Does Not Cover
Most car insurance policies will cover you for any damage caused by an accident. However, some types of damage are not covered by car insurance, such as damage caused by weather, for instance, a hurricane or tornado.
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 primarily satisfied with how the Company handles claims that might take weeks to months to settle.
What Not to Say to an Insurance Adjuster
You will likely receive a call from the claims adjuster within the first few days after your accident. The insurance company hired the adjuster to handle your compensation claim.
When speaking to the adjuster, keep every answer short. While you must talk about 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 personal injury 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.
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 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.
Allstate Insurance Car Accident Injury FAQs
Below are some frequently asked questions related to auto injury claims with Allstate. We appreciate that you may have additional questions about your situation. We welcome you to contact our Chicago, IL, car accident attorneys for a free consultation regarding your legal representation.
Can I Trust the Adjuster to Fairly Evaluate My Bodily Injury Claim?
Allstate is a profitable company that markets its business using successful advertising campaigns that suggest the insurance company is always on its policyholders’ side.
The Company is in business to generate profits for its shareholders. It will often go to great lengths to ensure they maximize profits by shifting the responsibility and financial burden over to the injured victim. It’s a practical business model that minimizes payouts to the injured policyholder and other injury victims hurt or killed by the auto policyholder.
Does Allstate Use a Computer Formula to Evaluate My Auto Accident Claim?
That is partially true. Allstate typically generates its first claim settlement offer using Colossus, a proprietary computer system used by the largest 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 insurance 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 personal injury case for much less than what it is worth, Allstate is known to use overly aggressive defense strategies to protect its 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 compensation, so they would not face an insurance claim denial.
Allstate was known for punishing the injured party if they hired an attorney or did not immediately accept Allstate’s lowball settlement offer. By 2008, many of Allstate’s documents for reducing settlement value to boost profits leaked to the public.
So, Is Allstate Better or Worse Than Other Insurance Carriers 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. Allstate looks out for their shareholders, typically at the injured victims’ expense like other insurers.
Because of that, it is crucial to hire an experienced personal injury law firm that can help you navigate 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 dedicated lawyers can help you through the Allstate auto claims handling process.
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 a negligent driver injure you or your loved ones? If so, the Chicago 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 claims 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.
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