Allstate is a major insurance provider in Illinois, with thousands of policyholders across the state. If you experience a car crash caused by someone’s negligence, Allstate may be the insurance company on the other side of your claim.Â
Knowing how Allstate handles claims in Illinois can help you make informed choices and protect your rights.
Illinois Car Insurance Requirements
Illinois law requires drivers to carry minimum liability insurance to cover damages they cause in a crash:Â
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage
Many Allstate customers choose higher policy limits, but even then, payouts often fall short of covering catastrophic losses.
How Allstate Handles Accident Claims
When a crash involves Allstate, the claims process can take different forms depending on the nature of the coverage.
Third-party claims come into play if another driver caused your accident. If the other driver was insured by Allstate, you’ll file against their liability coverage. Allstate’s adjuster will investigate fault and damages before extending a settlement offer for your losses.
If you’re an Allstate policyholder, you may use your own first-party coverage, such as collision, medical payments, or uninsured/underinsured motorist protection, to cover certain losses.
Starting a Claim With Allstate
You have several options for filing a claim with Allstate:
- Allstate’s website or mobile app allows claim reporting.
- You can call 1-800-255-7828 (Allstate claims line).
- Many customers begin the process by contacting their local Allstate agent.
When reporting the accident, you’ll need basic accident details, including time, location, and contact/insurance information for all drivers involved. You should also submit the police report number, if available, and provide photos of vehicle damage and the crash scene.
Providing thorough information at the beginning of your claim helps prevent unnecessary delays.
What to Do After a Crash Involving Allstate
If you’ve been in a collision where Allstate is involved, here are key steps to take:
- Seek medical attention immediately to document injuries.
- Collect evidence by taking photos, gathering witness statements, and obtaining the police report.
- Notify your insurer promptly, but avoid giving a recorded statement to any adjuster without legal advice.
- Avoid signing a medical records release before consulting a lawyer to prevent adjusters from fishing for preexisting conditions.Â
You shouldn’t agree to any initial settlement offers without consulting an attorney; these offers are often low and may not account for your full damages.
Contact an Illinois Car Accident Lawyer for Help With an Allstate Claim
Allstate has teams of professionals trained to protect its financial interests. You may need qualified legal advocacy and resources to level the playing field and ensure you are protected. An Illinois car accident attorney can step in and handle all aspects of the claims process, from filings to negotiations and beyond. They can help you avoid mistakes that hurt your claim and shield you from tactics designed to limit your compensation, such as blaming you for the crash.
Call Feagans Law Group today for a free consultation to discuss your Allstate claim and learn how we can help protect your rights.