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The first thing to remember when dealing with any insurance company, including Allstate, is that they are more concerned with their bottom line than with your best interest. After you are injured in a Denver car accident, the relationship between you and the insurance company is adversarial in nature. That is true whether you are dealing with your own insurance company, or that of the at-fault driver.
If you or a loved one has been injured in a motor vehicle collision, the Denver car accident attorneys at Zinda Law Group can help you seek the compensation you deserve. Call us today at (800) 863-5312 for a free consultation with one of our skilled personal injury lawyers.
How Does Allstate Handle Claims?
Allstate, just like many of the other major insurance companies, is a multi-billion-dollar corporation. The business made its fortune by selling as many insurance policies as possible and then paying the smallest amount possible on their claims.
To allegedly combat fraud, Allstate uses an approach called “deny, delay, and defend” on what they believe are lower impact collisions. That motto is a pretty accurate description of how all insurance companies operate. Using this approach increases their profits. It also means that if you are dealing with them directly and expecting them to pay you fair compensation for your injuries, you will likely be disappointed. This is true whether you are involved in a minor collision or a more severe impact.
How Do I File a Claim with Allstate?
When you file a claim with Allstate, the odds are that they will want you to give a recorded statement. It is rarely beneficial to give a recorded statement, and often it can work against you. If you leave out a small detail, remember things a little differently later, or your pain increases over the next few days, Allstate can use those discrepancies to your disadvantage. Whatever you say in those recorded statements can be used against you later.
The best route is to refrain from giving a recorded statement. Usually, the information they are wanting can be found in the crash report. If you do talk to the claim adjuster before obtaining legal representation, the best thing to do is keep your conversation focused on the logistics of getting your vehicle repaired or getting your vehicle paid for. You should not discuss the details of your injuries, though if Allstate is your insurance company, you may be required to give a recorded statement under the “cooperation clause” of your policy.
Another thing to keep in mind is that if the at-fault driver who injured you is covered by Allstate, the company will not pay your medical bills or reimburse you for lost wages along the way. If Allstate makes you any offer at all, usually it will be a low-ball offer, and they will want you to sign a document that releases your entire injury claim.
Get Help from Experienced Denver Car Accident Lawyers
At Zinda Law Group, our Denver car accident attorneys have helped thousands of clients seek compensation for medical bills, property damage, lost wages, pain and suffering, and more.