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How to Settle an Allstate Insurance Claim

January 28, 2019 |

Have you suffered injuries from a car accident in Wisconsin? According to the state’s insurance laws, you will need to file a claim with the at-fault driver’s insurance company to receive compensation for injuries and property damage. However, many insurance companies have conflicting motivations for offering you a settlement for your injuries.

Allstate is one of the largest insurance companies in the United States. If the at-fault driver involved in your case has insurance from this company, you will have to enter a claims negotiations process with an Allstate adjuster. Hiring a car accident attorney and performing adequate research can help you obtain a fair settlement amount.

Filing an Allstate Insurance Claim

When you file a car accident claim with Allstate, the company will assign a claims adjuster to your case. It is the job of this adjuster to determine the facts of your case and estimate how much money Allstate could offer you for a settlement.

  • First, you will file a claim on the Allstate website or by calling your Allstate office. You will receive a tracking number to check up on the status of your claim.
  • Next, the Allstate adjuster will launch an investigation into your case. He or she will attempt to collect information from you and those involved in the accident. He or she will examine any testimony you provide, photos from the accident, police reports, witness statements, and repair estimates.
  • Then, the adjuster will evaluate your damages and provide you with an estimate. He or she will determine how much your losses amount to and what needs repair or replacement.
  • Next, you and your adjuster will enter into negotiations over the settlement. You will discuss the settlement based on Allstate policy limits, coverage, and terms of agreement.
  • Finally, you and your adjuster will reach an agreement on a settlement. He or she will answer any lingering questions and send you payments.

This process can limit your ability to effectively evaluate and negotiate your settlement amount. Your insurance adjuster does not necessarily want you to receive the maximum settlement; it is in Allstate’s best interest to provide you with the lowest settlement possible. Hiring an attorney and engaging in outside research can help you determine if Allstate offers you a fair amount.

Tips for Entering Into Allstate Claim Negotiations

While insurance companies tend to offer lower amounts to claimants without legal representation, you can enter into Allstate negotiations alone.

  • Do not sign any medical authorization forms before speaking to an attorney. These forms will give the adjusters access to your medical records. Providing this information may not be in your best interest, which is why it is important to consult an attorney before signing this agreement.
  • Evaluate your injuries independently before entering into negotiations. Performing this exercise will help you determine if Allstate offers you a fair settlement.
  • Make sure to identify your minimum and ideal settlement amounts after calculating your losses. Keep these figures in mind while entering into negotiations.
  • Do not rush to sign the first settlement that the adjuster offers you. Insurance companies like Allstate hope that you do not negotiate further, so they offer you the lowest amount first.

Entering into Allstate negotiations alone is possible, but it can also place a large burden on you. When you’re recovering from car accident injuries, dealing with insurance companies should be the last item on your agenda. For a low stress Allstate claims process, obtain an attorney to represent your claim.

A car accident attorney will have the resources and negotiation experience necessary to evaluate your potential settlements. He or she will be able to conduct a full-scale investigation of your accident and collect evidence you may not have access to. Hiring a lawyer to enter into negotiations on your behalf can help relieve the stress of this process.

 

 

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