How to File a Car Accident Claim With Allstate
February 20, 2025 | Sagi Shaked | Car Accidents
If you have been involved in a car accident, you are probably wanting to get compensation for your damages as quickly as possible. Getting that compensation usually starts with the insurance claims process. Unfortunately, dealing with the insurance company and getting the compensation you are owed is not always easy.
Even large and reputable insurers like Allstate are out to protect their bottom line. They are not simply going to hand over a large check without a fight in most cases. If you need to file a claim with Allstate, continue reading below to learn what you need to do.
How Does the Allstate Claims Process Work?
Allstate makes it fairly easy to file a claim after your car accident. There are several ways you can file a claim with Allstate including:
- Over the phone by calling 1-800-Allstate
- Directly with your agent
- Via the Allstate website
- Through the Allstate app
Since Florida is a no-fault insurance state, your own Allstate insurance coverage will typically pay for your injuries after an accident. However, you might need to file a third-party claim with Allstate for the damage to your vehicle if someone else was responsible for the crash.
When filing your claim, you will generally need to provide some details about the accident. These details may include the date and time of the accident, the vehicles involved, the injuries you sustained, and other pertinent facts. Remember that everything you say to the insurance company is recorded and could be used against you later. So, it is usually in your best interest to consult with a personal injury attorney before giving the insurance company a statement.
After you start the claims process, an insurance adjuster will get assigned to your claim. The adjuster will investigate the details of your claim. This investigation could include:
- Asking you for a detailed statement about the accident
- Investigating the accident scene
- Obtaining photos or other evidence from the crash
- Interviewing witnesses who may have seen the accident
- Reviewing all your medical records related to your injuries
If you have hired a personal injury lawyer, you will want to direct the insurance adjuster to your lawyer. Let your lawyer handle all communications and discussions with the insurance company. Otherwise, the insurance company may try to trick you into accepting fault for the accident or minimizing the extent of your injuries.
After the adjuster has completed the investigation, they will typically make you a settlement offer. Agreeing to a settlement requires you to sign a release which means that you will not be able to get any additional compensation. You should always make sure that the settlement fully compensates you for your damages before agreeing to accept it.
How Much Compensation Can I Recover From My Allstate Claim?
The amount of compensation you can expect to receive from your claim depends on several factors. The factors that can affect your claim’s value include:
- The severity of your injuries
- The amount of your medical bills
- How much time you missed from work
- The amount of damage to your vehicle
- Your policy limits
Claims involving more severe injuries will be worth more than claims involving lesser injuries. Likewise, Allstate is only required to pay the damages that are covered under your policy. For example, Florida law requires that you have a minimum of $10,000 in personal injury protection (PIP) insurance. However, what happens if you suffer $50,000 of damages in an accident?
If your policy limits are $10,000, then Allstate is only legally required to pay you $10,000 for your claim even if your damages exceed that figure. This is why it is always a good idea to regularly evaluate the amount of coverage you have to determine whether it fits your needs.
How Can I Get Help with My Allstate Claim?
You might be wondering whether you even need a personal injury lawyer if you are submitting a claim to the insurance company. The truth is that having a personal injury lawyer on your side can help prevent the insurance company from taking advantage of you. Your lawyer can handle all the paperwork and ensure that the insurance company fully and fairly compensates you for your covered damages. An experienced lawyer can help you with your Allstate claim from start to finish.
Contact the Miami car accident lawyers at Shaked Law Personal Injury Lawyers for more help
If you’ve been injured in an accident in Miami, FL and need legal help, contact our Miami car accident lawyers at Shaked Law Personal Injury Lawyers to schedule a free consultation.
Shaked Law Personal Injury Lawyers
20900 NE 30th Ave Suite 715
Aventura, FL 33180
(305) 937-0191
Open 24 hours