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Allstate car insurance claims

Allstate car insurance claims

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Choose how to file a claim, how to get paid and where to get your car repaired with this major insurer.

Car insurance claims can be inconvenient by nature. Allstate harnesses its resources and network of local agents, claims professionals and repair shops to make the process as seamless as possible.

As an Allstate customer, you can file and monitor your claim 24/7. You can also pick your repair facility and how you’d like to get your money back. And if you’re not happy, you can take advantage of Allstate’s claims satisfaction guarantee.

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What is Allstate?

Allstate is the largest publicly owned personal lines property and casualty insurer in the US. While it sells life, home, renters and business insurance, the financial giant is best known for its car insurance. Thanks to its massive reach, customizable policies and network of local agents, it’s front of mind for many consumers across the US. It has 9.29% share of the car insurance market.

The provider offers a suite of car insurance coverages and discounts, along with optional add-ons like accident forgiveness, a safe driving bonus, deductible rewards and new car replacement. It also has a sophisticated system for claims, which appeals to both tech-savvy and more traditional customers.

How do I make a claim with Allstate?

Allstate has a streamlined claims process. The claims department is open 24/7 and you can file one a few ways.

  • Log into My Account on Allstate’s site.
  • Call 800-ALLSTATE.
  • Use the Allstate Mobile App.
  • Contact your local agent.

The provider has the tools and resources to handle claims, as well as a nationwide team of adjusters and customer service reps. While each claim is handled a little differently, you can expect to go through these steps:

  1. File your claim. You’ll receive a claim number to use to track your claim on the site or app.
  2. Assess damages. An Allstate adjuster is assigned to your case. They may call on a professional to evaluate the damages, determine what needs repairing or replacing and provide you with an estimate. They may also take statements from drivers and witnesses and look at police reports.
  3. Review the estimate. Once you know the cost of the damage, your claims adjuster explains your policy provisions, terms and coverage and go through your settlement with you.
  4. Repair your car. After the inspection and estimate, you’re free to take your car in for repair.
  5. Settle your claim. Depending on the damage, Allstate may pay the repair shop directly or send you a payment at the time of inspection or after the estimate is approved. Like most major insurance companies, if it’s a straightforward claim, Allstate pays damages up to your policy limits minus any deductibles.

What is the National Catastrophe Team?

As a nationwide insurer, Allstate is prepared for severe weather events and wildfires. Its National Catastrophe Team has 800 full-time members that work with the claims department to respond to disasters. It has a fleet of mobile claims centers that can be sent to any location, which is one of the benefits of being insured with a huge insurance company.

What’s the best way to make a claim with Allstate?

For car insurance claims, we like the Allstate Mobile App. Its QuickFoto Claim feature lets you snap photos of your car and crash site and add them to your claim. You can also call on roadside assistance and check the status of your claim via the app.

What information do I need to make a claim with Allstate?

To file a claim with Allstate, provide the following details:

  • Personal information, including your name, phone number and address
  • Social Security number
  • Date, time and location of accident or incident
  • Description of accident or incident
  • Description of damages
  • Name and contact details of other drivers involved
  • Name and contact details of other passengers and witnesses
  • Police report number, if applicable

Allstate has a handy auto claims worksheet on its website that you can use to keep all the relevant information in one place.

How long do claims typically take to process?

Usually, you can expect to hear from your adjuster one to three days after filing the claim, though it depends on the nature of the claim and the extent of the damage to your car. They talk you through your policy provisions and inspect your car, evaluating damage and providing an estimate. For the quickest result, give your adjuster all the details and documents they need as soon as you can.

How will I get paid for my claim?

Once your claim is approved or settled, you’ll receive your money in one of the following ways:

  • Quick Card Pay. This sends payment through your debit card to your bank account, usually within 24 hours.
  • Fast Mobile e-Payment. You need an email address or cell phone number to sign up for this, and then the payment will be deposited into your account within 48 hours.
  • Direct deposit. With this method, you should be paid in two to five business days.
  • Check. Your check will arrive by mail in 7 to 10 business days.

Depending on your situation, your payment may also be sent directly to the repair shop or made out to the lien holder or finance company if you have a car loan.

You can choose your payment option by logging into My Account or contacting your claim representative.

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Does Allstate let me choose my repair shop?

Yes, you can pick your repair facility. Otherwise, you can choose from over 3,500 repair shops across the country using the Good Hands Repair Network. To find a local shop, open the online tool and search by ZIP code, availability and business hours. A list of repair shops that meet your criteria pop up, and you can schedule an appointment.

Either way, provide the repair shop with a copy of the Allstate estimate. If they come back with a higher estimate than the one you got from your claims adjuster, Allstate will step in.

Why would Allstate reject my claim?

Allstate’s exclusions are fairly standard. To avoid any rejected claims, take the time to read up on the exclusions that apply to your policy, which may include:

  • Unapproved drivers. Some policies only protect your list of nominated drivers — not everybody who gets behind the wheel.
  • Unapproved use. Unless you’ve purchased commercial insurance, you can assume that your policy is only valid for personal uses of the car. If you’re an Uber or Lyft driver, Allstate does offer specific ridesharing insurance.
  • Overloaded vehicle. If there are more people in the car than seatbelts, your insurance likely won’t cover you in an accident.
  • Improper maintenance. To ensure your car is roadworthy at all times, get it serviced regularly.
  • Unapproved modifications. If you’re planning on modifying your car like adding a stereo system or tinted windows, get permission from your insurer first.
  • Wear and tear depreciation. Typically, insurance covers damage to your vehicle. But if that damage was caused by natural wear and tear, you can’t expect your insurer to pay for it. The same goes for the loss of value caused by depreciation.
  • Mechanical, structural, electrical, electronic or other breakdowns. Many policies won’t cover breakdowns. This is because car insurance covers damages, not failures. For example, if your power windows suddenly stop working, that’s classified as a breakdown. If they stop working after a hit-and-run, that would probably count as damage covered by insurance.
  • Personal belongings. While some policies cover personal items, limits and special conditions apply. Check the fine print to find out what kind of belongings you can claim in an accident.
  • Driving outside the US. Your policy most likely protects you when you drive into Canada and Mexico, but confirm those details with your agent first.

Should I make a claim or pay out of pocket?

There’s no straight answer; it depends on your situation. You can ask yourself: Is the cost of repairing your car less than or equal to the cost of your deductible?

If you’re involved in a collision, it’s worth calling on your insurance company. Liability coverage, which is a legal requirement in most states, can help to pay for property damage or injuries you cause while driving. It can also take care of legal defense costs if you’re taken to court.

On the other hand, if you try to come to an agreement with another driver on your own, you run the risk of being sued if they discover the damage to their car was worse than they thought. Also, if the driver decides to make a claim for injuries or damages later on, your insurer may deny you coverage because you failed to report the accident.

If you’re involved in a minor, single-car accident where no one is injured and no one’s property is damaged but yours, you might want to pay for the repairs out of pocket. For example, you might not need to contact your insurer if you hit your mailbox while driving out of your garage.

What happens after I make a claim with Allstate?

Your premium won’t necessarily go up if you file a claim. If you opted into Allstate’s Accident Forgiveness feature, the insurer won’t drop you or charge you a higher rate for getting into one accident in a three-year period, even if it was your fault. If you get into multiple accidents and make frequent claims, Allstate may raise your rate or cancel your coverage altogether.

What do customers say about Allstate’s claims process?

Even with the Claims Satisfaction Guarantee, the claims process does have its critics. Many customer reviews are negative and complain of slow processing, refusal to pay claims and insufficient payments. Outside customers involved in accidents with Allstate-insured drivers have similar woes.

Professional reviewers don’t always agree. In the JD Power 2017 US Auto Claims Satisfaction Study, Allstate ranked 9 out of 24 leading insurers for its above-average service during the estimation and repairs process.

What if I’m not happy with how Allstate handled my claim?

That’s where Allstate’s Claim Satisfaction Guarantee comes into play. If you’re not satisfied with your claims experience, you’ll get a six-month credit on your premium costs, no questions asked.

To get the credit, you’ll need to send a letter within 180 days of the accident that details your complaint to:

Allstate Insurance, CSG

PO Box 13084

Roanoke, VA, 24031

The Claims Satisfaction Guarantee is included for free with all standard Allstate policies in 43 states. However, it is not available in these states:

  • California
  • Florida
  • Hawaii
  • Maryland
  • New Hampshire
  • North Carolina
  • North Dakota

If you live in one of those states, contact your local agent or supervisor and try to work out a solution.

And if you’re still not happy with the way your complaint was handled, you can enlist a lawyer or get in touch with the state insurance department.

Compare car insurance competitors to Allstate

Name Product Roadside assistance New car protection Available states
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Root
Included free
No
Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

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Bottom line

With the help of online, mobile and more traditional filing tools, Allstate aims to make the claims process as quick, easy and transparent as possible. It also backs this up with a Claims Service Guarantee, which is available to customers in most states and offers a six-month credit on your premium if you’re unhappy with the experience.

To find the right provider and policy for you, compare your options before committing.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Frequently asked questions about Allstate

Katia Iervasi

Katia is a freelance writer from sunny Sydney, Australia. Her writing — and curiosity — has taken her around the world, and she now calls chaotic, creative New York home. She navigates insurance and finance for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

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