If you want to negotiate with Allstate Insurance company, consider requesting legal representation from an experienced Indiana personal injury lawyer. Trying to negotiate with insurance claims adjusters on your own can sometimes see you accidentally waive your right to long-term support.
We don’t stand for the bad faith tactics Allstate and its peers can use to confuse Hoosiers. If you’re struggling to understand why Allstate won’t let you recover from a serious accident, we can negotiate with the provider on your behalf.
File a Claim Shortly After Your Accident
The sooner you can file an accident claim with Allstate, the better. Most insurance companies, including Allstate, expect you to bring your accident to their attention within 24 hours of your accident.
If you take longer to file, the company may still recognize that your accident took place, but they may hem and haw about your eligibility based on your filing timeline.
If you’re seriously injured after an accident, prioritize your health. Work with medical professionals to address your injuries before you do anything else. You can elect someone, ideally a personal representative or an attorney, to negotiate with Allstate on your behalf.
Use Comprehensive Evidence to Build Your Claim
You need evidence if you want to create a comprehensive and compelling insurance claim. If you’re uninjured and able to stay at the accident scene, you can gather data elaborating on the negligence that led to your accident. This data may include the following:
- Electronic data
- Physical debris
- Photos from the accident scene
- Videos of the accident
- Bystander accounts
- A police report
- Medical reports detailing your losses
You can alternatively elect someone else to gather this evidence and analyze it on your behalf.
Your Case Will Get
The Attention It Deserves
Do Not Admit Fault
Once you get your insurance claim to the appropriate parties, you’ll have the opportunity to discuss your right to recover with an insurance claims adjuster. Do not let an insurance adjuster pressure you into giving a statement or admitting fault for an accident.
Many insurance adjusters will use illicit tactics to get you to waive your right to a long-term recovery. These tactics can include twisting your words. Even something as simple as an apology can become an admission of fault in the hands of an experienced insurance adjuster.
We recommend that you have a personal injury lawyer with you whenever you have a conversation with an insurance claims adjuster. Our team can negotiate with Allstate by pointing out leading statements and denying requests for statements. We can also keep a record of an insurance adjuster’s questions about your accident.
Do Not Speculate About the Accident
You may find yourself tempted to guess as to what negligence caused your accident. It’s in your best interest to deny this instinct. You never want to speculate about the negligence that led to your accident unless you can back that speculation with concrete evidence.
Instead, keep to the facts. Who’s responsible for your accident? What evidence of negligence do you have? What losses have you sustained? If you need help answering these questions, our attorneys can help you outline the knowledge you have before you meet with an adjuster.
Estimate the Value of Your Claim Ahead of Time
Insurance claims adjusters will consistently try to undervalue the claim you bring forward. You can prevent them from doing this by estimating the value of your claim ahead of time. To create that estimate, you can calculate the sum of your economic accident losses. Those losses may include the following:
- Emergency medical care
- Ambulance fees
- Physical therapy
- Long-term medical care, including surgeries
- Property restoration
- Property rentals, if applicable
- Lost wages
Unfortunately, insurance companies like Allstate do not allow you to recover damages based on your non-economic losses. You can discuss how those limitations may impact your right to recover financially with our experienced lawyers. All the while, you can count on our team to negotiate with Allstate for as much financial support as we can.
Keep Your Options Open
Hoosiers like you have the right to file an insurance claim with an offending party’s provider after a serious accident. That’s a benefit of living in an at-fault state. However, there are other ways to recover accident-based damages. For example, you have the right to file a personal injury claim against the party responsible for your losses.
So long as you act within the two years allotted to you by Indiana’s personal injury statute of limitations, you can bring a demand for damages forward in civil court. Our personal injury lawyers can represent you throughout this process. Your claim may subsequently supplement the damages you didn’t receive from an insurance claim.
When you meet with Vaughan & Vaughan for a free accident consultation, you can discuss the overlap between these filing processes and their pros and cons.
Let a Personal Injury Lawyer Represent Your Best Interests
Allstate serves you. You don’t have to let insurance claims adjusters take advantage of you. Instead, you can ask one of our Indiana personal injury lawyers to advocate for you.
Our team knows how to make insurance claims adjusters take your accident losses seriously. We don’t back down and will call insurance adjusters out when they wrongfully try to minimize your losses. Should the need arise, we can even take Allstate’s team to civil court. Are you ready to learn more? Book a free case evaluation with Vaughan & Vaughan today.
