- Allstate Insurance Car Accident Claim
- Accident Insurance: Is It Really Necessary?
- Stoebe Insurance Agency
Allstate Insurance Car Accident Claim – After an accident and accident, you just want your life back. We are ready to help you! Serving customers throughout Arizona, California, Florida and Texas
Below we’ll cover valuable tips and secrets Allstate Adjusters don’t want you to know about getting the best results from your personal injury policy, including answers to frequently asked questions about Allstate car accident policies. Also, we will cover current Allstate settlements, some of which are from our own clients’ cases.
Allstate Insurance Car Accident Claim
Allstate is one of the largest insurance companies, ranking as the fifth largest insurance company in the United States (by direct premiums written). We’ve all seen the ads trying to convince consumers that they’re in
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Allstate along with State Farm examined their auto insurance claims practices and internal company philosophies.
— DELAY, DENY, DEFEND. They would delay and refuse to pay on valid claims, as well as fight, put the “boxing gloves” on his “good hands” for those who insist on going to court against them.
CNN led an 18-month investigation in which they found that Allstate (along with State Farm) employed a hardball scheme in minor accident claims. The plan was the staff
CNN obtained documents from this investigation that show that this scheme was not actually to crack down on false claims, but was purely for profit.
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Strategy bullies you into settling for little of anything. Following the 10 tips below will help give you a fighting chance against Allstate’s unfair claims strategy.
The stress of an auto accident causes a variety of mental, emotional and physical responses, including an adrenaline rush, anxiety, and a feeling of disorientation. After an accident, you may not be in the best state of mind, but you should do your best not to admit fault. Now is not the time to say, “I’m sorry.”
The fact is that things often happen so quickly that it is initially difficult to really know who or what caused an accident. As the dust settles, things may become clearer. Keep your communication with the other party to a minimum. You can ask them if they are okay or if they need help.
If you decide to talk to either the other party’s insurance company or your own without consulting an attorney, keep your conversation brief. Write down exactly what you’re going to say before you even dial the insurance company’s number.
Accident Insurance: Is It Really Necessary?
You should only discuss facts and not assume anything. The best thing to do is not talk to the insurance company at all. Wait until you at least talk to a lawyer. The first contact with an insurance company can be devastating to your case.
Going to the emergency room by ambulance is the best thing you can do to legitimize your case in front of Allstate or any insurance company. This shows that you were, in fact, injured, because most people will not go through the trouble of being transported by EMS to the emergency room. Of course, make sure you’re not just doing this to get more money out of your case.
If you did not make it to the emergency room for some reason from the scene of the accident and some time has passed, do not worry. If you feel you need to go to the hospital or urgent care a day or a week after your accident, you can still go. But make sure you at least see some medical provider as soon as possible to document your injuries and establish that they are related to the accident. This may be your primary care physician, nurse practitioner, or chiropractor.
If no doctor has seen you and some time has passed, you can still go. But make sure you have a good reason why you didn’t go and don’t let too much time pass. If a month or more has passed since the accident and you only have soft tissue injuries, you will most likely have a difficult time proving to Allstate that your injuries are related to the accident. Also, Allstate will carry the defense of failure to reduce your damages. Not reducing your damage means you’re just sitting back and letting your injuries persist or get worse. Remember—the defendant is not responsible for damages (ie, injuries) that you could have prevented.
How To File A Car Accident Claim With Allstate
You should also make sure that you receive consistent medical treatment. If you have muscle strains and sprains, you should be evaluated by a chiropractor and follow their treatment plan, even if you have already been seen by a doctor. It is important to attend regularly and not miss appointments. These differences will give Allstate a reason not to pay for some of your medical treatment and will delegitimize your injuries and your case.
First, you should know what types of damages are available for your case against Allstate. Next, you should know how to calculate your damages.
Are legally recognized losses that can be recovered from an auto accident. You need to prove these in order to get any money back from Allstate. They include:
You can recover your past and future medical expenses that were reasonable and necessary and caused by the accident. This includes your ambulance bills, emergency room bills, pain medication costs, or any other past or future medical-related expenses.
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Future medical expenses require medical care that is reasonably likely to be incurred in the future. Your treating doctor or a medical expert can give you an estimate of what it will be like in the future.
If you miss work because of your injury, you have the right to lose your wages even if you used your sick or vacation time. You calculate your lost wages by taking the amount of time you lost from work multiplied by your hourly pay.
Loss of earning capacity is the income an injured person could have earned had they not been injured. To prove loss of earning capacity, you usually have to prove the existence of a disability, the amount of loss, and that the disability was caused by the accident.
Compensation is available for past and future physical pain and suffering from injuries sustained in an auto accident. This is the physical manifestation of pain caused by the injuries.
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An injured person is entitled to receive compensation for past and future mental or emotional distress. This is the mental component that a physical injury has on an injured party. Proving mental anguish involves demonstrating that the injury disrupted the injured party’s daily routine or caused a high degree of mental anguish.
Past and future physical disability compensates the injured party for the loss of the ability to perform physical activities that were able to perform before the injury.
You are entitled to compensation for permanent scarring from your injuries. This may include scars from cuts, burns, surgical scars, or amputations.
Past and future loss of enjoyment of life compensates the injured party for the mental impact that the loss of the ability to perform physical activity has had on them.
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Loss of consortium is a claim that piggybacks on the claim of the injured party and belongs to either their spouse or their children. This compensates the spouse or children of the injured person for the loss of love, care, affection, and companionship they suffer.
Calculating your damage can become difficult very quickly. But here’s a quick way to get a general estimate of the value of your case. Please note that there are several factors involved in calculating the value of your case. This is only a starting point.
First, add up all of your medical bills that either you or your health insurance plan have paid or are still paying. Then add all your lost earnings. Then add a reasonable amount to this for your pain and suffering, mental anguish, and any other type of damage you have suffered. This number will be the total value of your case. You may need to adjust this number based on various factors such as comparative fault. Here is an example to illustrate:
Plaintiff Paula has $10,000 in out-of-pocket medical expenses that she paid for her injuries related to her accident caused by Defendant Dan. His health insurance company also pays $2,000 for related medical treatment. Paula’s total medical damages are $12,000.
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Paula also missed 80 hours of work at her job where she makes $25.00 per hour. Therefore, his total lost wages are $2,000.
Paula has been suffering from neck and back pain since the accident until recently, a total of thirty days. She felt her pain was constant throughout the day, as if it was a full-time job. Thus, he values his suffering equal to the wages he receives from his job—$25 an hour. Her pain affects her when she is on her feet during the day, which is eight hours a day. So $25 x 8 hours x 30 days equals $6,000. $6,000 is the amount Paul thinks is fair compensation for his pain and suffering.
Now, for the total value of Paula’s case, we add her medical damages, $12,000, plus her total lost wages, $2,
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