If you sustained minor injuries in a car crash in Fort Lauderdale, and you have Allstate insurance, you will need to file a claim against your Personal Injury Protection (PIP) policy for your medical expenses and file a claim for vehicle repairs if you have collision coverage.
Filing a PIP or property damage claim with Allstate can be done online and can also be done over the phone. To file a claim online, you must go into My Account, where you can file, and track the status of your claim. Allstate also has a mobile app that makes it easy to track claims. To file a claim over the phone, you can call 1-800-ALLSTATE (1-800-255-7828).
However, if you suffered serious injuries in a crash caused by another motorist and your medical costs exceed the limits of your PIP coverage, you may need to file a claim against the at-fault driver’s insurance. You may wish to consult an insurance claims attorney rather than handle the claim yourself. The claim will likely be more complicated to resolve.
You may be entitled to recover compensation for medical expenses, lost income, and more. The more serious your injuries, the more likely that the insurance company will dispute your claim or attempt to settle it for less than full value. Negotiating on your own with another driver’s insurance company can be a frustrating experience.
If you need to file a personal injury claim against another driver’s Allstate policy, you should have an experienced Fort Lauderdale car accident lawyer at Englander Peebles review your scenario and discuss your options.
Table of Contents
What Types of Insurance Claims Would You File with Allstate?
Allstate provides insurance coverage for auto accidents, including car crashes, truck accidents, and motorcycle accidents.
A policyholder in Florida may have the following types of insurance coverage:
Personal Injury Protection
If you or others in your car are injured in a crash, PIP helps cover medical costs and funeral expenses.
Property Damage Liability
If the accident is your fault, property damage liability pays for damage to another person’s car, home, or property.
Bodily Injury Liability
If an accident is your fault, this liability insurance helps cover expenses related to the injury or death of another motorist or pedestrian. Alternately, if another driver caused the accident and your medical expenses exceed the limits of your own PIP coverage, you may file a claim against the at-fault driver’s bodily injury liability coverage for expenses related to your injuries.
A collision policy helps cover the cost of repairs or replacement of your car that has been damaged in a crash. Collision coverage is not required in Florida, but it’s a good idea to purchase it.
Comprehensive coverage helps cover expenses to repair or replace your vehicle if it has been stolen, vandalized, or damaged in a storm.
UM coverage helps pay for your medical expenses if you’re in a crash caused by an uninsured driver. Many drivers carry only the required minimum amounts of insurance. They don’t have adequate insurance to cover the damage they cause. UIM helps pay for your medical expenses if you’re in an accident and the other driver is at fault and doesn’t have adequate liability insurance.
Motorists also can purchase 24-hour roadside assistance, which provides help when drivers run into trouble on the roads. This assistance can help immediately when a vehicle breaks down, or when there is another emergency, such as a driver that has a flat tire or becomes locked out of their vehicle.
There are many types of insurance Allstate provides for property damage, including covering the physical structure of a home as well as personal property. Allstate also provides liability protection in the event that someone becomes injured on a policyholder’s property.
How Do You File a Claim with Allstate?
There are three ways individuals can file an auto insurance claim with Allstate. These include filing online, through the My Account service the company provides. Users can also download the Allstar mobile app. Within the app, you can start your claim, pay your bills, get roadside assistance and accident support, track the status of your claim, and more. You can also call 1-800-ALLSTATE (1-800-255-7828) to file a claim and track the status of it.
It is important to keep in mind that Allstate is an insurance company that makes a profit by limiting the amount of money it pays out to settle claims. Due to this, if you wish to file a personal injury claim with Allstate, you should have a knowledgeable lawyer review your claim and discuss your options. A lawyer can negotiate with the insurance company on your behalf and improve your chances of getting a fair settlement.
What Happens After You File an Allstate Insurance Claim?
After you have filed an Allstate Insurance claim, the company will send an insurance adjuster to evaluate the damage to your vehicle and investigate other losses, such as your injuries. Once the adjuster has evaluated the extent of damage to your car, you can get it repaired. If your vehicle is beyond repair, Allstate will pay the market value of your vehicle at the time of the crash.
The amount of time it takes between when the adjuster conducts an investigation and when Allstate makes a decision on your case will vary from case to case. You will want to get your car repaired or replaced as soon as possible. But if you have serious injuries, it is important not to accept an insurance settlement for your medical costs until the full extent of your medical bills and losses are known. Otherwise, you may be left paying those costs out of pocket.
What Can You Do if Allstate Denies Your Insurance Claim?
In many cases, Allstate properly pays the claim after an accident. Unfortunately, that is not always the case. When Allstate denies a claim, you may still have options. An insurance policy is a contract.
You may have the right to hold Allstate responsible for acting in bad faith if the company doesn’t honor the terms of the contract. Bad faith refers to an insurance company denying lawful and legal claims. In Florida, all insurance companies are required by law to act in good faith and make full payment when accident victims file a claim.
When Allstate or other insurers act in bad faith, you can hold them accountable for not only paying the compensation you need, but you can also seek additional damages for any losses the act of bad faith cost you. A lawyer can help you hold the insurance company accountable.
How Can a Lawyer Help You Deal with Allstate?
A lawyer can help you from the very beginning of your claim, ensuring it is filed properly to give it the best chance of success. In the event that your insurance claim is denied, there are several ways an attorney can help including:
Reviewing Notice of Your Denial
If Allstate sends you a denial notice, you should have an attorney review it and help you understand the reason for denial. The notice will also allow your attorney to understand what legal options you have.
Drafting a Demand Letter
A demand letter outlines the facts of your case for Allstate, including why you deserve compensation. The demand letter your attorney drafts will make a request for compensation and inform the insurance company that you intend to pursue further legal action if the insurer continues to deny your claim.
Help With the Administrative Appeals Process
Insurance companies typically have their own administrative appeals process that you must follow when they deny your claim. A lawyer will help you navigate this appeals process.
It is typically very difficult for injured individuals to negotiate effectively on their own with insurance companies. You are at a disadvantage acting on your own. Lawyers are skilled at negotiation and can aggressively pursue compensation on your behalf.
If Allstate refuses to agree to a fair settlement, a lawyer will file a lawsuit and take the company to court, where the case will be presented to a judge and jury to decide
These are just a few of the ways an attorney will help when you are filing an Allstate claim.
Get Help from an Insurance Claims Lawyer in Florida
When you need to file a claim against Allstate, you need the help of an experienced and knowledgeable Florida insurance claims insurance lawyer on your side. At Englander Peebles, Attorneys at Law, we know how to hold insurance companies accountable for paying the compensation you deserve. Our attorneys will aggressively pursue your claim. If you have been hurt, contact us online to schedule a free case evaluation with one of our attorneys.