How to Negotiate an Injury Claim with Allstate Insurance

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Car accidents are stressful enough without the hassle of figuring out how to negotiate with an insurance company after the fact. Allstate Insurance in particular has a reputation for offering low-ball settlements that protect its corporate bottom line at the expense of ordinary people.

If you find yourself in a position where you must negotiate with Allstate, it’s important that you know all of your legal options to recoup your losses and get paid the full amount that you deserve.

For free help and advice regarding your car accident claim, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our car accident lawyers.

Allstate Drives a Hard Bargain

Since its founding in 1931, Allstate has grown into a modern insurance giant. Today, it represents the second-largest personal insurance company in the United States. In 2017 alone, it brought in nearly $3.2 billion dollars in profit, ranking 79th on the Fortune 500 list.

It’s tagline that customers are “in good hands,” seems less reassuring in light of its high profitability. Customers and third parties should be wary of Allstate’s desire to promote its corporate bottom line.

You only have to go so far as to Google “Allstate Allsnake” to see the online testimonials of hundreds of angry insurance claimants who believe that Allstate did not provide them fair settlements. When filing your claim, keep in mind that Allstate’s first offer will probably be highly unreasonable. Getting a fair settlement often requires firm, persistent negotiation.

Filing Your Claim

Filing your claim is the relatively easy part. Allstate provides several mediums to do so: online through its website, by phone on its 24/7 claims service, using the Allstate mobile app, or by reporting the claim directly to your agent.

After your claim is filed, an insurance adjuster will thoroughly investigate it. The adjuster wants to size up the damage to establish the settlement value. Adjusters work for the insurance company and therefore want to dig up any information that will limit your claim.

It is common industry knowledge that Allstate adjusters input information about your accident into software that relies on hundreds of thousands of previous claims and their outcomes. From there, the software creates a value range for your specific case. Remember that any information you provide the adjuster may be inputted into this program, and generally, personal injuries need to be documented in medical records to be factored into it.

Finding a Trusted Attorney to Negotiate Your Settlement

Before the adjuster proposes an offer, you should fully evaluate the extent of your losses. There may be some categories of losses that at first glance you did not consider.

Even if you did recognize the need for compensation for property damage, medical bills, long-term treatment, pain and suffering, or lost wages, it may be wise to consult with an attorney to ensure that you have properly appraised the value of your needs. You certainly will benefit from learning this now rather than later.

A trusted attorney can further help you stand up to the Allstate money-making machine. If you try to represent yourself in negotiating, Allstate Insurance has less of an incentive to go back-and-forth with you because it knows that you are unlikely to beat its team of attorneys in court.

You are more than just a number in an insurance algorithm. Your claim is unique. You deserve fair compensation and an attorney who will help to highlight the distinct aspects of your case and advocate for you as an individual. The right attorney will work to reduce your post-accident stress by using their technical expertise to fight for you.

Our Car Accident Lawyers Can Help

At Zinda Law Group, our auto accident attorneys have helped thousands of injury victims get their lives back on track after a crash. We have the knowledge and resources to take on the big insurance companies and help you seek maximum recovery for medical bills, property damage, loss of income, pain and suffering, and much more.

We also believe a car accident injury victim should never have to worry about their ability to afford superior legal representation. That is why we offer 100% free consultations, and why you will pay nothing unless we win your case. That’s our No Fee Guarantee.

If you or a loved one is dealing with an insurance company after a car accident, call Zinda Law Group at (800) 863-5312 to receive your free consultation with our auto injury lawyers.

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