Filing an insurance claim after an auto accident can be somewhat intimidating. If the other driver is covered by Allstate insurance, filing a claim and receiving adequate compensation to cover your damages may be a challenge you are not expecting. In fact, Allstate has garnered a reputation in the industry and among insurance reviewers as the worst insurance company in the nation when it comes to settling claims with adequate coverage for injured victims.

Allstate – the company

With a 100 year history, the Allstate Insurance Company has grown into a national insurance enterprise that proudly propagates the slogan “You’re in good hands with Allstate.” However, if you have sustained an injury in an auto crash that was the fault of an Allstate covered driver, you might not be in very good hands. The company boasts a healthy bottom line along with its 16+ million customers. Allstate achieves this bottom line by deliberate practices of offering lowball settlements to those injured in car accidents.

What to expect after a car accident

The timeframe immediately after a car crash can be overwhelming and frightening for many people. Calling the local police and emergency services is the first action that needs to be taken after a car accident. After the adrenaline rush in your body dissipates, you may realize that you and possibly your passengers have sustained injuries that were not apparent immediately after the wreck.

As someone involved in the accident, it is important to only speak to the police about the accident and what transpired. You should not speak to any other drivers or passengers. Even mentioning the words “I’m sorry,” to others involved in the accident can give Allstate an opportunity to invalidate and deny your claim. When you exchange insurance information with the other drivers to the crash, take notice if Allstate is one of the insurers. If so, you may definitely require the services of an experienced car crash attorney to secure fair compensation for your injuries and other damages.

Filing an Allstate claim

Allstate uses special software designed for the insurance industry to determine the dollar amount for auto accident claims. This software, referred to as Colossus, is an intricate computer program designed specifically to reduce payouts on claims – by 20% in many cases – from what the company used to pay for the exact same damage quotient, i.e. personal injuries, before the program was implemented. Allstate arrives at its determined level of payout through a particular process. This process includes entering into the program:

  • The initial date of your treatment
  • The medication you receive – its type and how often – including repeated chiropractic sessions or physical therapy
  • Documentation indicating the adverse affects you have suffered from the auto accident
  • The names of all medical providers in your case, including specialists
  • The average costs for similar medical care in your area
  • Whether you have obtained an attorney to assist you in your claim

It should be noted that Allstate recognizes in its evaluation of your claim that you may require a car accident attorney in order to obtain a fair settlement for your losses.

After the computer program Colossus analyzes your claim, do not be surprised if the attorneys that work for Allstate assign some of the blame for the accident to you. Allstate’s lawyers may attribute liability to you even if the evidence demonstrates you are not at fault. This is where witness statements and the police report can help you establish your case. An experienced car crash attorney can help ensure these pieces of evidence in addition to others are available and used to effectively back up your claim.

Accident injuries that involve mild concussions and whiplash are generally difficult to prove, and Allstate has a track record of aggressively fighting plaintiffs in low-impact collision cases that involve these injuries. That is why it is essential to secure the services of a skilled in seasoned Sevierville car crash attorney if you have suffered injuries of this nature or worse in a vehicle collision.

At Delius & McKenzie, PLLC, we understand how difficult insurance companies such as Allstate operate. If you have sustained injuries in a car crash due to the fault of another party who is insured by this insurer, we can help pursue the full compensation you deserve, including what you need for lost wages, medical bills, property damage, and pain-and-suffering. To set up a consultation to discuss your case, give us a call today at 865.280.3686 or use our contact form. Our legal representation services extend to clients in Sevierville, Pigeon Forge, Gatlinburg, Seymour, and the surrounding areas.