Things You Should Know Dealing with Allstate Insurance Adjusters
Dealing with insurance adjusters can be one of the most frustrating parts of being in an accident. If the at-fault driver has Allstate insurance, you'll quickly find yourself up against a claims process that is designed to minimize what the company pays out.
Allstate is notorious for using sneaky tactics and delay strategies to wear down claimants so they'll accept lowball settlements. Adjusters receive bonuses for closing claims cheaply and quickly. It's an uphill battle to get fair compensation from Allstate without experienced legal help on your side.
This article will explain what you're up against when dealing with Allstate insurance adjusters and how to protect yourself during the claims process. We'll uncover the games they play, mistakes to avoid, and when it's time to call in a personal injury attorney for backup. Arm yourself with knowledge before you enter negotiations over an Allstate claim.
Understand Their Role
An insurance adjuster's job is to investigate the claim, determine fault, and settle the claim for as little money as possible. They represent Allstate's interests, not yours. It's important to remember this so you don't get taken advantage of during the claims process. Allstate adjusters receive bonuses and incentives to minimize payouts, so they will use various tactics to reduce what you receive.
Don't Talk without an Attorney
You should never talk to an Allstate insurance adjuster or give a recorded statement without consulting a personal injury attorney first. Anything you say can be used against you later to deny or minimize your claim. Your Palmdale personal injury lawyers should handle all communications so your rights are protected. All of the steps below should be done alongside an attorney - do not attempt to communicate with Allstate on your own.
Beware of Lowball Offers
Allstate adjusters are notorious for making unreasonably low settlement offers. They may downplay your injuries or damage to your vehicle in an attempt to minimize the payout. Don't let them pressure you into accepting an offer that doesn't fully cover your losses. Politely push back on inadequate offers and be prepared to negotiate.
Gather Evidence
The more evidence of the accident and your injuries/losses you can gather, the better position you'll be in during claim negotiations. Get police reports, witness statements, photos of property damage, medical records, and billing statements as soon as possible. Present this to Allstate to justify the compensation you deserve.
Watch for Delays
Allstate adjusters are known to delay the claims process through ignoring calls/emails, requesting unneeded info, or avoiding making an offer. They do this hoping you'll get frustrated and settle for less. Be patient but firm in following up to move the claim along. Send requests and documents by certified mail so there is proof they received them.
Don't Rush into a Settlement
Allstate will pressure you to accept a quick settlement, but this rarely benefits the claimant. Settlements are usually too low and prevent you from getting further compensation if costs increase over time. Consult an attorney before signing any release of claims. They will be able to advise you on whether the offer is suitable or whether they think you can get more.
Consider Hiring a Public Adjuster
Unlike insurance adjusters, public adjusters work for you to maximize your claim payout. They are experts in insurance policies and what losses you're entitled to. Hiring one takes the burden off you and levels the playing field against the Allstate adjuster.
Dispute a Lowball Offer
If Allstate makes a poor settlement offer, you have the right to dispute it and demand a fair amount. Politely explain why you believe the offer is inadequate and be prepared to negotiate/provide evidence. Again, it’s best not to speak to Allstate on your own. You’ll want to obtain legal help when fighting for full compensation.
File a Complaint
If an Allstate adjuster engages in unethical or illegal practices like excluding coverage or refusing to pay a valid claim, you can file a complaint with the California Department of Insurance. This creates a record of wrongdoing that can help in disputing the bad faith denial.
Negotiation Strategies
Approach negotiations calmly and professionally. Never lose your temper or threaten the adjuster. Be flexible but firm on the compensation you need to be made whole. Use facts/evidence to counter low offers. Keep detailed records of all communication.
Watch for Tricky Tactics
Allstate adjusters use various tactics to minimize what they pay out. Here are some to watch out for:
- Claim you may be partially at fault even if the accident was clearly the other driver's responsibility. Don't accept any percentage of fault if you did nothing wrong.
- Say your injuries are from a pre-existing condition, not the accident. Make sure your attorney has your full medical history so you can rebut this.
- Offer a "full and final settlement" low amount and pressure you to accept it or get nothing further. Don’t accept anything without speaking to an attorney.
- Deny certain medical treatments, car repairs, or other costs saying they aren't accident-related. Provide proof linking them to the accident.
- Ignore requests for compensation for pain and suffering. An attorney will be firm that this is included.
- Say they need to delay payment pending investigation. Ask your attorney to follow up frequently for status updates.
Contact Our Attorneys Today
Dealing directly with Allstate insurance adjusters after an accident can be stressful and lead to you receiving inadequate compensation. Protect yourself by understanding their cost-saving tactics, gathering evidence, and working with an attorney to pursue a full and fair settlement.
If you've been injured in an accident caused by an Allstate policyholder in California, contact the experienced personal injury lawyers Palmdale at Karns & Karns Personal Injury and Accident Attorneys for a free case review. We've recovered millions of dollars for clients through skillful negotiations and aggressive litigation when needed. Call 800-4THE-WIN (800-484-3946) or visit our website to schedule a free consultation. We can help ensure you get the maximum compensation you deserve in your claim against Allstate.
