Allstate Claims are available to anyone who has Allstate Insurance for their car, home, or are involved in catastrophes.
Claims can be filed on the Allstate website or at a local Allstate insurance office, whichever avenue suits you best.
It's great that the Allstate Insurance Company offers services 24/7 for your convenience, but I would suggest that you actually call your agent during regular business hours and talk to them one on one, at least once.
It's good to have that "personal touch" as it sometimes enables you to get a quicker resolution to your accident claim.
In most cases, filing a claim is a pretty straightforward process. Just remember to stay organized and keep good records.
Allstate even has a worksheet you can download to help you be sure you have all the details you need to file your claim properly. This will help insure that you provide all the details they're looking for and get a faster and satisfactory result.
Basically, when you file an Allstate claim, you will be asked the following types of questions...
Since every claim is one-of-a-kind, the time it will take to process it varies from one person to another. On the one hand, you do need to have a little patience, but on the other hand, don't be afraid to be persistent in pestering them if they seem to be needlessly dragging their feet in settling.
Don't forget, you will also have to meet your auto insurance deductible (the amount you agree to pay) before Allstate will cover anything. This is the case even if the accident was not your fault.
If your vehicle is considered too old, has severe damage, is unable to comply with state laws, or other factors lead to a decision to total your vehicle, it will be totaled.
In this case, Allstate will pay you for the cost of your vehicle if repair costs are more than the vehicle is worth up to your policy limits, excluding your deductible, of course.
Ideally, when making an Allstate claim, you should work with the repair shop that Allstate recommends. If you are scared that your insurance premiums will rise if you file claims, you might want to consider getting Accident Forgiveness Insurance.
If you decide to file a property claim, there are some things to keep in mind. For instance, your premiums may increase, your policy might be canceled or not renewable, and you might lose your discount.
Also, you will need to file a claim in case you discover damages or injuries later, and Allstate Insurance Company can help you with legal fees. Your will probably know that you are being sued if you receive a summons or complaint. If that happens, call an Allstate claim representative right away in order not to jeopardize your benefits.
Don’t forget to file a police report in case of damage or theft.
If you have property stolen from your home, you will have to show proof
of ownership. Keep in mind that your claim may or may not be covered,
depending on your type of coverage and what exactly was lost.
The Additional Living Expensive is a good coverage to have in case your home is temporarily uninhabitable.
Check with an Allstate Insurance Com. representative to find out your limits and keep receipts for reimbursements from living expenses throughout this time period.
If a tree falls on your house or your neighbor’s house, your Allstate policy will cover damages. However, you will need separate National Flood Insurance in case of floods. In case of a national disaster, call the Allstate Insurance office at 1-800-547-8676.
Something you may not realize is that in some cases, contractors who help fix your home may be covered through Allstate Insurance Company.
Finally, Allstate Insurance Company offers catastrophe coverage. Their website also has preparation and prevention tips for earthquakes, floods, hail, frozen pipes, pet safety, etc. If a catastrophe should happen, call an Allstate agent or report your claim online. Also, start a room-by-room inventory of damages.
Allstate has software to help you with this on their website. Wait for an Allstate Adjuster inspector before making any repairs. If you don’t agree with his or her report, or have further questions, contact Allstate again.Hopefully, this has given you a good overview of Allstate Claims and how they work.
If you've had an experience with Allstate claims, good or bad, tell us about it. You can be a help to others who come along after you.