Allstate Insurance in South Florida

Allstate Auto Insurance was established in 1931, and since then, they have gained stature as the second largest publicly traded property and casualty insurance company in the United States. They underwrite $21.4 billion in auto insurance premiums ranking them fourth in the U.S. auto insurance sector. Insurance companies, however, often become successful by assiduously utilizing cost-containment strategies that make it difficult for clients to obtain full settlements.

If you are filing an Allstate Insurance claim after a Miami car accident, it would be beneficial to hire an experienced personal injury attorney. Legal representation can protect help protect your interests in the tumultuous days following a bad car accident. Call 1-800 INJURED today to discuss all of your legal options with a qualified car accident lawyer from our referral network.

Florida Is a “No-Fault” State

Florida is a “No-Fault” insurance state, which means that individuals will receive payment for some of their accident damages from their auto insurance provider, regardless of fault. By law, drivers have to purchase full liability car insurance with a minimum of $10K in Personal Injury Protection (PIP) coverage. These PIP benefits will cover a portion of your medical bills and lost wages.

Allstate Insurance Claims

To file a claim with Allstate Insurance after a crash, you can call the 24/7 claims hotline at 1-800-255-7828. However, if you want to ensure that you get the most for your case, you should review your options with a personal injury attorney who regularly deals with Allstate claims.

Allstate’s Colossus System

Allstate uses a software system called Colossus to analyze insurance claims. This software has a massive database with thousands of past auto claims and their outcomes. Insurance adjusters input specific data, and Colossus creates a value range for the request.

While the system seems straightforward, it has certain aspects that may inadvertently reduce the settlement amount offered. Adjusters enter injury codes documented in medical records and treated by doctors into Colossus. If you have an injury that does not appear in the files, it may not be included.

Moreover, Colossus may base compensation for your medical bills on reduced amounts that they determined to be the usual charge for similar medical care in your area. If there’s a discrepancy, it may require the authoritative eye of an attorney to detect it.

Lastly, Colossus does not analyze fault. It determines the estimated value range for your settlement by assuming liability and only assessing the damages. After that, an adjuster may reduce the suggested amount if they discover you to be partially responsible for the car accident.

How To File a Claim With Allstate Insurance

To file a claim with Allstate Insurance after a crash, you can call the 24/7 claims hotline at 1-800-255-7828. The filing process is fairly straightforward, and many people report that the actual claim investigation process is easy as well. However, if you want to ensure that you get the most for your case, you should review your options with a personal injury attorney who regularly deals with Allstate claims.

Understanding the Colossus System

Allstate uses a software system called Colossus to analyze insurance claims. This software has a massive database with thousands of past auto claims and their outcomes. Insurance adjusters input specific data, and Colossus creates a value range for the request. This system, like all systems, has benefits and drawbacks that you will encounter and ultimately perform your own “quality check” on.

The best way to make sure that Colossus gets you what you deserve is by working with an experienced attorney who is familiar with this process, such as an attorney that you can connect with through 1-800-Injured.

Ensuring That Your Injuries Are Included

While the system seems straightforward, it has certain aspects that may inadvertently reduce the settlement amount offered. Adjusters enter injury codes documented in medical records and treated by doctors into Colossus. If you have an injury that does not appear in the files, it may not be included. 

In order to make sure that all of your injuries are included, and therefore calculated in the Colossus system, you will need to go through every single line and detail to ensure that this is the case. Technologies like Colossus can certainly make some processes easier, but they can also complicate matters that can be easily overlooked if not checked by a qualified and experienced legal professional.

Double Check The Work

Moreover, Colossus may base compensation for your medical bills on reduced amounts that they determined to be the usual charge for similar medical care in your area. If there’s a discrepancy, it may require the authoritative eye of an attorney to detect it.

It can be extremely frustrating to realize that a simple and obvious factor was omitted from your claim because it was either not input properly or the system failed to calculate something correctly, but even more frustrating is the lack of support that you may get from the agents at Allstate in this event. Oftentimes, agents may act as if there is nothing that they can do as a result of a procedural issue, but your attorney will apply the necessary pressure to get the outcome you deserve. 

Don’t Forget About Fault

Lastly, Colossus does not analyze fault. It determines the estimated value range for your settlement by assuming liability and only assessing the damages. After that, an adjuster may reduce the suggested amount if they discover you to be partially responsible for the car accident

Comparative fault laws in Florida dictate that a victim is entitled to a settlement that accounts for their own degree of fault, meaning that the final amount may be reduced if you are found to have been partially responsible. Your attorney will need to fight to make sure that if you do accept any responsibility, that it is no more than you truly contributed, and therefore you receive the money that you deserve.

Frequently Asked Questions About Allstate Insurance Claims

How long will my claim with Allstate take?

As you can imagine, every claim is unique, meaning that the amount of time that each claim takes to be resolved depends on a range of factors. When you are working with an attorney, they will be able to provide all of the necessary documentation and information in a timely manner in order to facilitate a speedy claim.

How much will I get for a settlement?

As with the length of time that your claim will take, the amount that you are entitled to as a victim is highly subjective to many different details, including (but not limited to) your medical bills, your income, impacts to your earning capacity, and the severity of your emotional and physiological injuries. Your attorney will help you understand what you deserve, and will fight to help you get it.

Should I hire an attorney before I file a claim with Allstate Insurance?

The sooner you hire a lawyer, the higher the chances of a positive outcome to your case will be. When you have the support of an experienced attorney throughout your entire claim process, they will be able to ensure that each statement, document, and piece of information submitted is done with the intention of getting you the settlement amount that you deserve. When you are working alone, there are many opportunities to make seemingly-innocent statements that could seriously impact your chances of a fair settlement. 

Call 1-800 INJURED Today!

It is essential that you understand that one of the adjuster’s responsibilities is to reduce the amount of insurance settlements that Allstate pays out. If you fail to provide the right documentation, Colossus could possibly generate a lower settlement range, and your claim value may suffer. Protect yourself with an experienced personal injury attorney. Allstate has legal representation and so should you.

If you need help filing an Allstate insurance claim after a Miami car accident, 1-800 INJURED can connect you with an experienced personal injury attorney. We are an attorney and medical referral service that helps South Florida drivers get in touch with the professionals they need after a crash. Call us toll-free at 1-800 INJURED to get started on your case today.

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