Allstate Insurance claims can be complicated. It’s easy to accidentally get short-changed on your settlement or even lose money. That’s where an attorney comes in. An expert can ensure you get the full value of your claim and that it goes through quickly with no complications.
Allstate is listed as the “Worst Insurance Company” in America by Consumer Reports. This is because of several factors, including their claim process and customer service. When you need to file an insurance claim with Allstate, it’s essential that you have the right kind of representation on your side.
At The Law Offices of Jason E. Taylor, our Columbia car accident attorneys are committed to helping our clients get the money they deserve when someone else’s negligence has injured them. With more than 100 years of combined experience, we know how to fight for our client’s rights and ensure they’re not taken advantage of by insurance companies with a reputation for being difficult to work with.
What to Do After a Car Accident in Columbia, South Carolina
If you’ve been in a car accident in Columbia, South Carolina, it’s important to know what to do next. The sooner you get help from an experienced attorney, the better off you’ll be. Here are some steps to take:
- Get yourself checked out by emergency medical personnel immediately after the accident.
- Notify law enforcement immediately and file an official report about what happened.
- Take pictures of any damage caused by the accident (including your own vehicle).
- Gather evidence showing how the accident happened, including witness statements and police accident reports.
- Contact an experienced personal injury attorney in Columbia to discuss your options and learn more about your rights as a victim of car accidents in South Carolina.
Filing an Auto Insurance Claim With Allstate
Allstate uses Colossus software to determine the dollar amount for your auto accident claim. Colossus is a claims database with data on hundreds of thousands of past auto claims and their outcomes. Insurance adjusters enter requested information, and Colossus uses it to create a value range for the claim.
Injury codes describe the exact injuries documented in your medical records and treated; however, if the injury is not documented in the records, it will likely not be considered. Additional data they may collect regarding medical care include:
- The first date of treatment
- Names of your medical providers
- Type and duration of medical care
- Costs of medical care in South Carolina
- The specialty of your medical providers
Colossus also considers other factors when evaluating medical care, such as:
- Whether an attorney was involved in the referral
- Medical liens
- Use of a seatbelt
- Other factors regarding the case
Liability in Allstate Insurance Claims
It’s important to note that South Carolina is a modified comparative negligence state. If you are found to be partially at fault for an accident, your claim will be reduced by the percentage of your responsibility.
You can recover damages if you are not more than 51% at fault. For example, if you caused 20% of the damages and another driver caused 80%, your claim would be reduced by 20%.
The system Allstate uses to determine claim offers, Colossus, does not analyze fault. It only determines the estimated value range of a case by assuming liability and assessing only the damages. The adjuster may reduce that amount if they determine Plaintiff to be partially at fault.
This is where things get tricky. After your accident information has been analyzed, Allstate’s adjusters may try to attribute some blame to you – even if you were not determined to be at fault. If you have evidence that proves otherwise, such as an eyewitness statement, it will help maximize your claim.
Low Settlement Offers From Allstate
Allstate has a reputation as an insurance company that fights cases where the damage to the vehicle does not appear to be a severe impact. They classify these claims as MIST Claims (Minor Impact Soft Tissue.) Once a claim is under this classification, Allstate may offer you a low settlement offer, forcing you to file a lawsuit and take the case to trial to get the compensation you deserve.
Why You Should Hire a Lawyer for Your Allstate Insurance Claim
Working with any insurance company is difficult, and the process can be frustrating. You need an experienced attorney who knows how to navigate the legal system and get you the compensation you deserve. Whether you have been injured in a car accident or have suffered from an illness, hiring a lawyer is essential to ensuring that your claim is handled correctly.
Lawyers Are Experts in the Law
In the majority of cases, you can expect your attorney to be able to apply the law and help you make the most of it. Lawyers are experts in this area because they’ve had extensive training that gives them knowledge and experience beyond what regular people have. For example, lawyers understand the laws that apply to your situation. They know how to read those laws and use them to work in your favor when filing a claim against an insurance company like Allstate.
Insurance Companies are Experts at Saving Money
Insurance companies are experts at saving money. They have teams of people devoted to this task and are good at it. The insurer will try to get out of paying you what your claim is worth so that it doesn’t have to pay more in premiums, which means less profit for them. It’s important that when processing your claims, an expert is on your side to ensure that you receive the full value of your damages and nothing less.
Your Lawyer Will Help You Get the Compensation You Deserve
Getting lost in the claims process is easy when you deal with Allstate insurance. You may not know what to ask for or how to ensure you are getting the best deal possible.
Your attorney will help you negotiate a settlement for your claim and walk you through every step of your case so that nothing gets missed. An attorney familiar with Allstate insurance can help ensure that every angle of your case has been covered and your rights are protected throughout each step of the process.
Contact a Columbia Car Accident Attorney at The Law Offices of Jason E. Taylor Today
If you want what you deserve, you need an expert on your side to make it happen. Insurance companies have a lot of experience with this kind of thing and know how to get what they want. That’s why having an attorney on your side is so important. You need someone who knows the ins and outs of the law, can negotiate well with other parties, and knows how to fight for justice when necessary.
At The Law Offices of Jason E. Taylor, we have the experience and knowledge to help you get what you deserve. We have experience with many cases, including personal injury, premises liability, and wrongful death.. Our team will fight for your rights and ensure that every angle of your case has been covered. You can rest assured that we will do everything possible to help you get the compensation you deserve. Contact us for your free consultation today.