Negotiating against a low ball Allstate settlement offer Injured? Lawyer up before you sign a check.

Allstate Settlement Payout Process:

  1. Allstate claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 255-7828.
  2. Claim time limit: Most states have strict yet complex statute of limitations rules such as “you must bring a claim within 3 years of the date of discovery of the injury”. It’s complicated. Act fast - the insurance company will.
  3. Repair shops: Allstate requests insurance customers to use an Allstate-approved auto repair facility. However, this suggestion serves only to save the insurance company money. In reality, you can go wherever you want for repair service. Tell your insurance company your favorite auto shop will do the work.
  4. Settlement negotiation: Insurance companies like Allstate Insurance Association have teams of professionals dedicated to limiting or denying your settlement payout. For small claims not involving injury, you might want a lawyer for property damage or a bad faith insurance claim. If you were injured, a personal injury lawyer can help you assess all damages. 
  5. Reviews for Allstate Insurance Association: Allstate Google Review page

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How can I get a higher settlement from my Allstate Insurance Claim?

Maximize your settlement by not accepting Allstate's initial offer, then hire an aggressive personal injury lawyer to help you calculate the expenses and get the highest possible settlement. Our attorneys know the tricks insurance companies use to avoid paying what you're owed, and we're prepared to fight them.

Allstate has a long-running ad campaign assuring their 16 million+ customers they’re “in good hands.” Although you may think you're in "good hands" , Allstate has an obligation to their shareholders to maximize profits, which they achieve by denying the full settlement amount you’re entitled to. The best way to maximize your settlement is by speaking to an injury attorney first, being patient, and documenting all expenses related to your case. Warshafsky Law understands how insurance companies operate because our best-rated legal team of experienced Milwaukee car accident attorneys includes former insurance industry attorneys.

Injured? it is about the money®

How do I get my Allstate settlement check?

Smart from the start: dealing with Allstate during the claims process

After an accident, you need to file a claim with Allstate, either by calling their 800 number or filing online. During the claims process with Allstate, expect a liability examiner to interview anyone and everyone involved in your auto accident. An insurance adjuster may ask you to sign medical authorization forms. These forms give the insurance company access to your medical records, and it’s very important to consult an experienced personal injury attorney before signing. These forms give insurance companies access to your entire medical history, where they will look for any past injuries or conditions that can be used to lower or deny your claim.

How to settle an insurance claim without a lawyer

It is unwise to speak to an insurance claims adjuster or to sign any forms without first consulting a lawyer. You may be wondering how to file a personal injury claim without a lawyer, but you should know your chance of arriving at a fair settlement amount is much higher when your claim is backed by an experienced team of aggressive personal injury lawyers. If you’re determined to settle your insurance claim without a lawyer, remember:

  • Insurance company reps have a job to do: to save their employer as much money as they can.
  • Expressing concern for you and your time is part of the strategy to make you feel taken care of.
  • Never admit ANY degree of fault over the phone or in any conversation with an insurance adjuster or representative.
  • Be polite but firm in all communications. Do your homework and avoid being rushed or taken advantage of.

Helpful tips for handling your personal injury claim on your own:

  • A printed settlement check is just an offer. It’s not a definite statement of value, it’s what the insurance company would like you to settle for.
  • Once you sign a settlement check, you can never pursue further compensation for your claim.
  • Insurance company representatives are highly trained professionals. Everything they do and say is calculated—including deliberately wasting your time.

When you take on an insurer you're never just dealing with one individual, you’re up against a chain of command. Insurance companies negotiate settlement offers all day every day. They have legions of professionals—including lawyers—dedicated to limiting your settlement amount.

Factors affecting your Allstate payout

When filing a claim with Allstate, you can expect a liability examiner to interview everyone involved in the accident. They will collect as much information as possible from:

  • the police report
  • passenger and witness statements
  • photos and measurements from the scene
  • researching repair estimates
  • anything you say

You may be asked by an insurance adjuster to sign a medical authorization form. Do not sign any medical waivers without first consulting a lawyer. The forms normally allow the insurer complete access to your detailed medical history. They will then go looking for any previous medical issue, no matter how old or irrelevant, which could be used to dispute your claim. An experienced personal injury attorney can determine which medical records must be provided to the insurance company and when it’s appropriate to share them.

Negotiating against a lowball settlement offer

There are some practical things you can do to improve your odds of getting the amount you’re entitled to:

1. Be prepared

You’ll need to explain the reason for your injury claim and make specific points showing the value of your claim, including pain and suffering. Demonstrating your knowledge of the process shows the adjuster you mean business.

2. Document every penny

You can show proof of the value of your settlement by saving all of your medical bills, written repair estimates, prescription drug receipts, your car’s mileage when driving to and from the doctor, and any other related expenses. These are all expenses for which you should be reimbursed.

3. Be patient

Decide the minimum amount you’re willing to settle for and understand the adjuster will make a lowball offer. Be respectful when speaking to insurance company representatives and ask to speak to a supervisor if you feel you’re getting nowhere.

4. Know the statute of limitations

Your ability to take legal action when facing an unfair settlement offer is your only bargaining chip. If the claims process is delayed too long, your right to file a lawsuit will expire. Then you’re stuck with whatever they offer you.

5. Calculate the real value of your injury claim

Talking about the details of your claim with an attorney will help you understand the actual value of your claim. The temptation to get things settled quickly may be strong, but years from now when your knee starts acting up again you’ll regret signing away your right to further compensation.
Personal injury claim costs to consider:

  • Property damage
  • Car rental
  • Deductible
  • Hospital deductible
  • Non-prescription medical expenses (bandages, braces, etc)
  • Chiropractic care
  • Pain and suffering
  • Lost wages
  • Future medical expenses
  • Subrogation

Subrogation means if you were injured in an accident resulting in damages, your health insurance company has the right to seek reimbursement for their payments.
If you have any questions about the potential costs or what your claim is really worth, contact an experienced attorney at Warshafsky Law today.

Knowing what your claim is worth: Allstate settlement amounts

Insurance companies don’t rake in tens of millions of dollars in profit each year by paying claims without a fight. They do it by digging in their heels and offering accident victims as little as possible.
The attorney you choose is likely to be the most important factor in determining the amount of your settlement. We've handled Allstate, GEICO and State Farm insurance claims with success, along with numerous other insurance companies. Many “sign and settle” law firms cooperate with insurers to speed up the process and move on to the next case, collecting another fee. Warshafsky lawyers, on the other hand, prepare every case to win at trial, and insurance companies know this.

Contact our personal injury law firm to schedule a free initial legal consultation on your personal injury claim case.

6 WI Car Accident Laws that Impact your claim

What to know about Allstate repairs after your car accident

An "Allstate repair shop in Wisconsin" is a myth, plus 3 other lies

Lie #1: “We want to get this taken care of for you right away”

When an insurance rep tells you “I know how frustrating this must be” and “We want to get this taken care of for you as quickly as possible,” beware. They know what an inconvenience it is to be without a car, so you’ll probably go along with whatever they propose. Including the repair shop they recommend.

Lie #2: “There’s an Allstate shop near you…”

This sounds great. A repair shop near you, that’s perfect! Or is it?

The thing is, no one working for Allstate is looking out for your best interests. They’re looking to pay the least amount possible..While minimizing payouts on claims may be good for company insiders and stockholders, it’s no good for policyholders. The shop “near you” isn’t necessarily the best shop to repair your car, and it may not even be the nearest shop.

If there’s a body shop you know and trust and you’d like to have them work on your car, tell the insurance agent.

Lie #3: “There’s no difference between OEM and aftermarket parts”

Before you have anyone work on your car, ask if they’re going to use OEM parts or aftermarket parts. If anyone tells you there’s no difference, start looking for another repair shop. Aftermarket parts often don’t fit correctly, last as long, or work as well as OEM parts.

There’s a reason Allstate and other insurance companies will tell you aftermarket parts are fine: They’re looking for the cheapest possible way to have your car repaired. While it may be impossible to get new OEM parts for an older car, there’s no reason why you can’t get OEM parts for a later model. And no reason why you should settle for anything less.

The Big Lie in Personal Injury Settlements

The biggest lie you’ll get from your insurance company is that their settlement offer is the best they can do. Question this and they’ll tell you how the dollar amount was carefully calculated to cover all reasonable costs. In reality, it was calculated to cost them the least amount possible.

The settlement offer usually comes in the form of a check. Our advice: Don’t take it! At least not until you’ve had an attorney weigh in on it. Cash the check and you waive your right to litigate for a higher settlement. So, consult a personal injury attorney first. If you think the settlement is unfair, make a counteroffer and don't let the insurance company lowball you.

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Will I have to pay my attorney before a personal injury settlement?

Our personal injury attorneys won’t charge legal fees unless your case settles or you win in court.

When can I expect to get my funds after a personal injury settlement?

You can expect to receive your funds roughly five to six weeks after a personal injury settlement. The specific processes of the insurance company or debts and payments can delay this process.

Does Warshafsky Law charge clients if we lose the case?

Warshafsky Law will not charge clients if the case is lost. Not one penny will be charged until you collect payment from a settlement or winning a verdict in court.