Allstate Insurance Claims

Many Americans have seen the humorous commercials from Allstate in which mayhem strikes ordinary Americans. Allstate Insurance is one of the largest auto insurance companies in the United States. With offices all over the country and millions of insurance customers, there is a good chance that the at-fault driver in your car accident has Allstate Insurance. Unfortunately, like every other major insurance company, Allstate Insurance often denies claims that they should not deny. It is important to understand that Allstate Insurance is a for profit company, therefore do not be surprised if they deny your claim. Their goal is to make the most money possible which means they deny as many claims as they legally can or quickly settle for the lowest amount possible.

If you or a loved one have suffered an injury in a Charlotte car accident, you might be entitled to compensation. At Arnold & Smith, PLLC our skilled car accident attorneys have helped many clients negotiate favorable settlements with insurance companies. It is wise to speak with an attorney before signing an insurance settlement offer. Many times, the settlement offer is too low and an attorney can help you negotiate a better deal. If Allstate Insurance denied your claim, we can advise you as to your options, including filing an appeal with Allstate Insurance. Contact our Charlotte personal injury law office today to schedule your free initial consultation.

Allstate currently holds 113 million proprietary insurance policies. The company offers a variety of policies, including home insurance, life insurance, and auto insurance. Allstate has been providing auto insurance to Americans for over 85 years. Founded in 1931, Allstate used some innovative practices, such as a sophisticated rate classification system called the Merit Rating Plan which they launched in 1939. The company also introduced its roadside assistance program in 2010. Customers only pay for roadside assistance when they use it. The company received an award in 2013 for working to reduce teen car accidents.

Allstate’s marketing slogan is “are you in good hands?” Unfortunately, some Allstate customers are not in good hands when Allstate denies their car insurance injury claims. The bottom line is that Allstate is an insurance company, a for profit business. While Allstate insurance adjusters may have worthy intentions, they attempt to shift the financial burden and responsibility to the injured victim in many cases. In doing so, they seek to minimize payouts to policyholders who are injured.

Allstate generates the first settlement amount that they offer customers using Colossus, a computer system that determines the worth of an injury claim. Some have criticized Colossus for regularly and unfairly reducing claim amounts below the actual value of the claim. Some have also criticized Allstate for aggressively defending the calculations made by Colossus when injured parties challenge the settlement amount proposed by Allstate.

A computer system will not always accurately calculate your claim. Arnold & Smith, PLLC knows how to fight determinations made by Colossus. We assertively fight for our clients to receive the most amount of compensation possible for their injuries.

Allstate may offer you a decent settlement amount. However, it is wise to speak with a skilled North Carolina car accident attorney before accepting the settlement. In many cases, an insurance payout may be the only compensation you receive as a victim. Thus, it is essential that the payout amount covers all of the expenses related to your injury over the course of your entire life. Severe injuries such as paralysis can cost multiple millions of dollars over a 50-year timeframe.

At Arnold & Smith, PLLC we know how to accurately calculate a settlement amount that covers all necessary expenses. We have helped many of our clients determine a settlement amount that includes lost compensation, lost work, and all medical bills for the person’s entire life. It is wise to have a second set of eyes on your insurance claim process. Attempting to recover from injuries is stressful enough. Many of our clients feel a great sense of relief knowing that our experienced Charlotte car accident attorneys are fighting in their corner. If you have suffered an injury in a Charlotte car accident and you need to file a claim with Allstate, we can help. Contact our law office today by calling 704.370.2828 to schedule your free initial consultation.