Allstate is one of the largest insurers in Texas and is well known in the legal community for aggressive claims handling strategies. If Allstate is involved in your Texas injury claim — whether as the at-fault driver's insurer or your own — here is what you need to know.
The difference between handling a Allstate claim yourself versus having an experienced Texas personal injury attorney is not just a few thousand dollars — it can be the difference between a settlement that barely covers your medical bills and one that truly compensates you for everything you have been through.
*Estimates based on industry studies. Individual results vary based on case specifics.
Understanding how Allstate handles injury claims is the first step in protecting yourself. Here are the tactics their adjusters are trained to use:
Allstate uses a proprietary claims evaluation software called Colossus that is programmed to minimize payouts. Attorneys who know how Colossus works can build cases that force higher valuations.
Allstate has been publicly criticized for a claims strategy focused on delaying valid claims, denying them outright, and defending aggressively in court. An attorney levels the playing field.
Like most major insurers Allstate's opening offers are designed to test whether you know your claim's true value. Accepting without legal advice almost always means leaving significant money on the table.
Allstate adjusters aggressively request years of prior medical records looking for pre-existing conditions to use as grounds to deny or reduce your claim.
Do not give recorded statements without an attorney. Do not accept the first settlement offer. Do not sign any releases or medical authorizations without legal review. Do not post about your accident or physical condition on social media. Do not miss medical appointments — gaps in treatment hurt your claim.
Notify Allstate of the accident — you are typically required to do this. But say only the basic facts. Then immediately contact a personal injury attorney before doing anything else. HurtMatch can connect you with an independent attorney who has extensive experience handling Allstate claims in Texas — free, within minutes.
Dealing with a different insurance company? We have guides for all major Texas insurers: