Allstate car insurance claims | finder.com
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.

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 of a few ways.

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

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

To file a claim with Allstate, provide the following details. Allstate has a handy auto claims worksheet on its website that you can use to keep all the relevant information in one place.

  • 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

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What happens after I make a claim with Allstate?

Allstate 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. Usually, you can expect to hear from your adjuster one to three days after filing the claim. Allstate 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. Keep the estimate to give to your repair shop.
  4. Repair your car. After the inspection and estimate, you’re free to take your car in for repair. Allstate lets you choose your repairer, or you can choose from Allstate’s preferred network, which includes over 3,500 repair shops across the country using the Good Hands Repair Network, available on its website.
  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. If you opted into Allstate’s accident forgiveness feature, expect your insurance bill to stay the same.

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. Choose your payment option by logging into My Account or contacting your claim representative.

  • 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.

My claim with Allstate was denied. What can I do next?

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. If you live in one of these states where it’s not available, contact your local agent or supervisor and try to work out a solution.

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

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 Allstate competitors

Name Product Roadside assistance New car protection Available states
Allstate
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Yes, cars under 2 years old
All 50 states
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Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
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Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
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 AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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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.

Frequently asked questions about Allstate claims

Find the cheapest rates

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Your information is secure.

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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