Dealing with an insurance company after a car accident can add more stress for anyone. Even if an accident is not your fault, having an insurance company cover all medical expenses incurred can be a battle. Thankfully, Allstate offers its customers numerous online features to help make the claim process simpler. Founded in the year 1931, Allstate is one of the leaders in American car insurance companies.
Visit https://www.allstate.com/claims.aspx or call 1-800-ALLSTATE when you are ready to file an insurance claim. Additionally, you can reach them via Twitter at @allstatecares. Allstate provides customers with a mailing address for auto claims: Allstate Insurance Company, P.O. Box 660636, Dallas, TX 75266. To assist you with maintaining information about your car accident claim, they also provide customers with an insurance claim worksheet.
Once a claim is filed for your vehicle, an inspection will be scheduled to evaluate the damage. Depending on where you are located, The insurance company may request you visit one of their local service centers, visit a mechanic in their network, or an insurance investigator will be sent to your location. No matter where you choose, you have the option of selecting where the vehicle is repaired. Depending upon insurance policy, Allstate offers towing and rental car services, as well.
Based on their investigation and your report, Allstate will evaluate fault to determine your claim’s value. If Allstate determines you are the at-fault driver, you may still be covered, depending on your insurance policy. If they decide you were not at fault, your deductible will be recovered by the at-fault party by Allstate. If additional damage is found after repairs are made, inform Allstate, and additional repairs may be authorized if they determined the damage was due to the accident.
It is crucial to understand special and general damages and how Allstate calculates them to secure an acceptable insurance settlement. General damages are easily calculated and include such items as medical bills, lost wages, and vehicle damage. However, special damages are more complex to calculate and include such items as pain and suffering. For special damages, a multiplier may be applied to the number of your general damages based on injuries sustained, crash severity, circumstances of the crash, recovery time, as well as other factors.
Several insurance companies, including Allstate, utilize a software program known as Colossus to determine your insurance settlement. Information is entered into Colossus about your car accident by an insurance adjuster. The program then recommends a range for your settlement. This software program is heavily relied upon by the insurance adjusters. Once an amount is calculated for your settlement by Colossus, Allstate can adjust the recommendation, which oftentimes is a reduced offer for settlement.
If you or someone you love was hurt in a car accident, a skilled New Orleans personal injury lawyer could help you determine your rights and your potential insurance settlement. A car wreck is stressful enough; consider assistance from an experienced personal injury attorney to find your way around the recovery process. If you suffered physically, mentally, or were incapable of working, a personal injury lawyer may be able to help you.
If you have suffered from an auto accident and would like more information, call or email us today.