Allstate Insurance Claims in Florida



Since 1931, Allstate Auto Insurance has become the second-largest casualty insurance company in the United States. However, like most insurance companies, Allstate uses cost-containment strategies that make it difficult for their policyholders to get full compensation.

It is in your best interest to get a personal injury attorney or a car accident lawyer after an accident. They will help you file an Allstate Insurance claim. They put your interests first and ensure you get a fair settlement.

Filing Claims After a Car Accident in Florida

Florida is a no-fault insurance state. This means that you will get payment for some of your damages from your insurance provider, whether you were responsible for the accident or not. In Florida, you need to have full liability car insurance and at least $10,000 in Personal Injury Protection (PIP).

The two insurance policies cover your expenses, such as the costs of repairing your car. The PIP coverage covers lost wages and medical bills for all its policyholders. Allstate Insurance has these covers and will pay them out to their clients after the accident.

However, since the insurance looks after the company's benefits, you might get a lower settlement than you deserve. That is why one of our personal injury attorneys is a great choice. With our prior case verdicts and settlements, they know how to work with the insurance company to ensure the coverage you get covers all your expenses.

The Colossus System

Allstate Insurance uses the Colossus software system to analyze insurance claims. The system uses their past auto claims and their results to analyze your claim and create a monetary value range for your request. The software uses past cases like yours, using specific data to get a settlement amount.

The system makes the claim process look easy. However, there are a couple of aspects to the system that might reduce your settlement amount. One such aspect is the injury codes it uses. The adjuster uses the codes in your medical records into Colossus. If your injury is not in their files, it will not show up in the system, and it will not have value to it.

Other discrepancies with the system are:

Varying Medical Bills

Colossus uses pre-recorded data to make evaluations. This means that if your bills were higher than what the database says, it would reduce the amount to what the system says is the standard charge in the area.

This discrepancy might pass you by, leading to you accepting a lower payment. However, the experienced eye of an attorney will note it down and make sure the insurance adjuster changes the bills to the one showing up in your medical records.


The system does not factor in the liability. It assumes liability and goes straight to assess your damages. The insurance adjuster can then reduce the amount if they discover you were partially responsible for the accident. Your lawyer can deal with the adjuster to ensure only a fair amount is reduced if you hold partial responsibility.

How to File an Allstate Insurance Claim

Call Allstate's hotline at 1-800-255-7828 to report a claim after the crash. The hotline is always open, and you can report the accident immediately after the accident. Their filing process is easy, as is the ensuing claim investigation process.

After filing the claim, Allstate will help you through the estimate and repair process. You will need to have pictures of the damage to your car to upload to their system. This helps the system with the claim settlement and the repair procedures. The settlement you get depends on your policy's coverage and the terms of the agreement.

Is a Lawyer Necessary?

While the claim filing process sounds easy, there is a lot involved. A lawyer gets down to the brass tacks to ensure the process goes seamlessly. They also have a greater understanding of Allstate's Colossus system. They will work with the insurance adjuster to ensure they handle your case correctly.

Other things that a lawyer helps you with include:

Injury Evaluation

While the Colossus system does include your injuries, it does this according to the previous case injuries. That can be disadvantageous to you as every injury is different. Even a person with the exact injury as yours can have a different reaction to it.

The system also doesn't include any injuries that don't appear on its files.

Having one of our lawyers dealing with your case ensures they include all your injuries in the calculations. They will also include your pain and suffering in the overall value.

Negotiating Settlements

Allstate's system doesn't factor in liability. After calculating the initial damages, an insurance adjuster can reduce the amount, for example, comparative negligence cases. The adjuster might overdo the estimation and take out more money than they should.

A lawyer looks through the documents, working with the adjuster to ensure that doesn't happen. In cases where you share liability for the accident, they ensure that only the correct amount is taken out. The lawyer might have to hold lengthy negotiations with the adjuster to ensure you only pay for your contribution to the accident and no more.

While your lawyer does take over most of the work, they will still consult with you to ensure you are on board with everything. They will give you the available options, advising you on the one with the best results, but will only act as per your orders.

A lawyer acts in your best interest, so they can't make a move that will displease you. They will lay all your fears to rest, answering any questions you might have about your case. Their foremost responsibility is to you and your case.

Contact Our Lawyers to File an Allstate Insurance Claim

Dolman Law Group has a team of lawyers ready to handle your Allstate insurance claims. Our attorneys serving Florida know all the insurance laws. They will work hard to ensure they handle your case with the care it deserves. Call us or write to our online contact page to talk with a team member today.

Matthew Dolman

Clearwater Personal Injury and Insurance Attorney

This article was written and reviewed by Matthew Dolman. Matt has been a practicing civil trial, personal injury, products liability, and mass tort lawyer since 2004. He has represented over 11,000 injury victims and has served as lead counsel in over 1000 lawsuits. Matt is a lifetime member of the Million Dollar Advocates Forum and Multi-Million Dollar Advocates Forum for resolving individual cases in excess or $1 million and $2 million, respectively. He has also been selected by his colleagues as a Florida Superlawyer and as a member of Florida’s Legal Elite on multiple occasions. Further, Matt has been quoted in the media numerous times and is a sought-after speaker on a variety of legal issues and topics.

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