February 12, 2025 | Personal Injury
You expect fair treatment and timely compensation when dealing with insurance companies after an accident or injury. Unfortunately, many policyholders have been frustrated and disappointed with Allstate, which has been labeled one of the worst insurance companies for consumers. There are many reasons Allstate’s practices have left countless claimants feeling undervalued.
Underpaying Claims
One of the most frequent complaints about Allstate is their tendency to underpay claims. Many claimants find that Allstate offers settlements far below what they deserve for economic and non-economic damages after an accident.
Common tactics include:
- Lowball offers: Allstate frequently makes initial settlement offers that are significantly less than the actual value of the claim. This may pressure you to accept less than they need to cover medical expenses, lost wages, and property damage.
- Minimizing injuries: Allstate’s insurance adjusters may downplay the severity and permanency of your injuries. They may also argue that medical treatment was unnecessary or unrelated to your accident.
- Disputing liability: Allstate may attempt to shift blame to other parties in your accident to reduce potential payouts.
These practices are designed to protect Allstate’s bottom line but leave injured parties to shoulder the burden.
Delays in Processing Claims
Allstate has been criticized for delaying the claims process, making it difficult for claimants to recover damages promptly. These delays can create added financial stress after an accident, especially if you face mounting medical bills or lost wages.
Some common delay tactics include:
- Repeated requests for documentation: Allstate may continuously request additional documents, even after the necessary information has already been provided. Allstate’s insurance adjusters may also request documentation that is irrelevant or difficult to obtain.
- Stalling tactics: Insurance adjusters may avoid returning calls or emails or take excessive time to evaluate a claim and assess liability.
- Prolonged negotiations: Allstate may drag out negotiations in the hope you or a loved one will become frustrated and accept a lower settlement.
Delays are frustrating and can hinder your ability to recover fully and move forward after an accident.
Potential Bad Faith Practices
Bad faith occurs when an insurance company fails to act in good faith by refusing to honor its contractual obligations.
Allstate has been accused of engaging in bad faith practices, which may include:
- Denying valid claims: Allstate may deny legitimate claims without a reasonable explanation.
- Failing to investigate: Allstate’s insurance adjusters may neglect to thoroughly investigate your claim, including the circumstances surrounding your accident and injury.
- Misrepresentation: Adjusters might misrepresent policy terms or coverage limits to avoid paying a fair settlement.
Policyholders can take legal action to hold Allstate accountable if they engage in bad-faith practices.
How a Chicago Personal Injury Lawyer Can Help with Your Allstate Insurance Claim
Dealing with Allstate on your own can be overwhelming, especially if you are recovering from injuries. A Chicago personal injury lawyer can help you get treated fairly.
They can assist with:
- Evaluating your claim: A lawyer can review the details of your case to determine the full value of your claim.
- Negotiating with Allstate: Experienced personal injury lawyers understand Allstate’s negotiation tactics and know how to counter them effectively to improve your chances of receiving a fair settlement.
- Gathering evidence: A lawyer can collect and organize evidence to support your claim, including medical records, accident reports, witness statements, and expert testimony.
- Protecting against bad faith practices: A lawyer can take legal action to hold Allstate accountable if they engage in bad faith to recover additional damages on your behalf.
- Filing a lawsuit, if necessary: Experienced personal injury lawyers escalate your case if it does not settle for fair compensation. This is done by filing a lawsuit.
Schedule a free consultation today if you or a loved one has been injured and must pursue a claim with Allstate.
If you or a loved one has been injured in an accident and are dealing with Allstate, it is important to understand your rights and options. A Chicago personal injury lawyer can help prevent you from being taken advantage of during the claims process. Contact us today to schedule a free consultation and take the first step toward recovering the damages you deserve.
Contact our Personal Injury Law Firm at Powell and Pisman Injury Lawyers
If you’ve been injured in an accident in Chicago, IL, don’t navigate the legal process alone. Our dedicated team is here to provide the expert guidance you need to secure the compensation you deserve. Contact our experienced attorneys at Powell and Pisman Injury Lawyers for a free consultation.
We serve Cook County and its surrounding areas:
Powell and Pisman Injury Lawyers
875 N Dearborn St 4th Floor
Chicago, IL 60610
(312) 635-5400
Open 24/7