Ryan Zavodnick | September 29, 2023 | Car Accidents
Car accidents can be physically and mentally traumatic. The aftermath often brings a rush of concerns over injuries, property damage, and insurance paperwork. If you are insured with Allstate, it is important to know the process for filing a car accident claim.
Zavodnick & Lasky Personal Injury Lawyers in Philadelphia, PA, have helped victims pursue car accident claims. This guide offers step by step approach for filing with Allstate.
Step 1: Prioritize Post-Accident Safety
It is important to secure the scene after an accident. The well-being of you and others is paramount. If anyone is injured, dial 911. If the vehicles obstruct traffic, try to move them to the side of the road to prevent further incidents.
Step 2: Document the Scene
Most people carry smartphones. Use yours to your advantage to document the scene. Take clear photos of all vehicles involved. Pay attention to damaged areas and license plates. You should also take pictures of your injuries.
Be sure to collect information from all drivers and eyewitnesses. This includes names, contact information, and insurance details from anyone who saw the accident or was involved.
Step 3: Engage with Law Enforcement
Many believe minor fender benders do not warrant police involvement. However, reporting the incident is generally a good idea, especially if there is significant damage or injuries. The police report will be an unbiased account of the accident and aid in the claims process.
Step 4: Seek Medical Attention
It is important to get checked by a medical professional after an accident. Even if injuries seem minor, some, like internal bleeding or concussions, may not present until later. Medical professionals can identify concerns that may become severe later. Medical reports are also valuable evidence to support your car accident claim as they account for your injuries and prognosis.
Step 5: File a Car Accident Claim with Allstate
You should file a car accident claim after collecting evidence. You can dial Allstate’s 24/7 claim helpline at 1-800-ALLSTATE (1-800-255-7828) or file a claim online. It is recommended to have your policy number and a concise account of the incident. Allstate will provide a unique claim number after receiving your claim. Keep it safe for your records.
Step 6: Organize and Store All Relevant Documentation
Keep accident-related documents safe and organized. Be sure to set aside copies of the following:
- Your insurance policy and claim number,
- Your medical records or bills, if you sustained injuries,
- Copies of police reports,
- Copies of accident photographs showing injuries or property damage,
- Copies of car repair estimates or bills, and
- Copies receipts for car towing, car rentals, or other immediate needs.
This information will be valuable for substantiating your Allstate car accident claim.
Step 7: Engage With the Claims Adjuster
The adjuster plays a critical role in the claims process. They will review your claim and investigate the accident. They will also evaluate your damages, which may include:
- Current medical treatment and expenses,
- Future medical bills,
- Lost wages and benefits,
- Pain and suffering damages, and
- Reduced quality of life.
You should be available, forthcoming, and patient during the claims process. However, avoid making any definitive or binding statements about fault or liability. Notably, Pennsylvania is a modified comparative negligence state. This means you can pursue a damage award (against the other driver; this does not relate to claims against your own no-fault policy) if you are not found to be more than 51 percent responsible.
Allstate will likely present a settlement offer after the adjuster’s evaluation. This is a critical juncture. You should ensure you understand every aspect of the settlement offer. If the proposal adequately compensates you for damages and future expenses, you can accept it.
But if it does not, remember there is room for negotiation. You can also consult a personal injury lawyer for additional assistance. Remember: accepting a settlement likely waives your right to seek additional compensation.
Step 8: Consult a Car Accident Lawyer in Philadelphia, PA
Not every claim will proceed seamlessly. If disputes arise or offers seem insufficient, consider the expertise of a personal injury lawyer. Their insights can be valuable for securing fair and equitable compensation.
This is true even if you’ve selected “limited tort” coverage under Pennsylvania’s “choice no-fault” insurance system. Keep in mind that you may still be able to pursue a claim against the other driver in some cases. Further, it’s critical to remember that insurance companies (yours or the at-fault party’s) do not have your interests in mind.
Zavodnick & Lasky Personal Injury Lawyers has over 80 years of combined experience representing car accident victims. While navigating the aftermath of an accident can seem overwhelming, Zavodnick & Lasky can help with filing an Allstate car accident claim. The team has secured over $50 million in compensation for personal injury victims. Schedule a free initial consultation to discuss your case today.
Contact Our Car Accident Law Firm in Philadelphia Today To Get Help With Your Case
To learn more and get the help you deserve, call Zavodnick & Lasky Personal Injury Lawyers at (215) 875-7030 or contact us online.
You can also visit our law firm at 123 S Broad St #1220, Philadelphia, PA 19109.
