How to File an Insurance Claim With Allstate
With the rise in digital technology, it’s easier than ever to file an auto insurance claim – in fact, many of our clients choose to do so right at the scene of the accident. However, every insurance company has unique characteristics and there are a few things to keep in mind when filing an insurance claim with each particular company.
Here’s a step-by-step guide for filing an auto insurance claim with Allstate:
Ensure Your Safety
With today’s technology, you’re able to begin a claim right there by the side of the road, and getting this jump start on the process can save you valuable time and money. However, take a moment first to make sure you and others involved are safe, away from any traffic, and clear of routes needed by police and emergency vehicles.
Speak With Officials
Again, if you are at the scene of the accident, ensure you’ve spoken with police, fire, and paramedics, if applicable, before starting your claim. Giving them your full attention in the moments after the accident can speed along their investigation, getting you back on the road sooner.
Begin the Claims Process
Depending on your preference, you can:
- File a claim using the Allstate mobile app
- File a claim by logging into your account on the Allstate website
- File a claim by calling 1-800-ALLSTATE (1-800-255-7828) and speaking with a claims expert.
- Use Allstate’s local search tool to find a local agent to help you.
Have Documentation Ready
Information you received regarding the accident, including insurance information from other parties, police report information, and anything else, should be at hand. Your agent can get this information from you at a later date if anything is missing but being prepared can help speed up the process.
Ask Questions About Coverage
Ensure your deductible and other coverage information is as you expected and ask questions about what you can expect for coverage based on the specifics of your accident. In addition, ask what other information may be necessary, and if an imposed time limit exists for providing accident information or repair bills. This is also a great time to ask about your rental car coverage.
Get an Estimate
With Allstate, you’ll be able to work with whichever repair shop you prefer. Get an estimate for any repairs that are necessary as a result of your accident. If necessary, have Allstate coordinate towing your vehicle to the preferred shop from the site of the accident.
Work With the Adjuster
After Allstate receives your shop’s estimate, an adjuster will also estimate the cost of the repairs necessary. If there’s a discrepancy, Allstate will deal directly with your chosen shop to negotiate repairs. If you disagree with the repair amount as stated by the adjuster, you are within your rights to dispute the amount.
Get the Car Repaired
Once you settle the amount of the repair, your shop will make the repairs. If any other issues arise, your shop should contact Allstate to approve further repairs. The payment may either be sent directly to the repair shop, presented as a check made out to you and the repair shop, presented to you at inspection, mailed to you after the estimate approval, given to the lien holder if applicable, or transferred directly to you via a mobile e-payment. Ask your agent which is applicable in your case.
If your vehicle’s estimated repair costs are greater than the vehicle’s value, your insurance company will consider your vehicle totaled. Allstate will then pay you or the lien holder the cash value of your vehicle, less the amount of your deductible. This check may be sent directly to you, sent to the lien holder, or transferred directly via a mobile e-payment.