After a car crash, dealing with insurance can feel overwhelming. If Allstate is the provider involved—whether it’s your own policy or the other driver’s—you’ll want to understand how their claims process works. Knowing what steps to take and how to protect your rights can make a big difference in how your case turns out.
This guide walks you through the steps for filing a car accident claim with Allstate and what to expect during the process.
Step 1: Make Sure Everyone is Safe and Document the Scene
Before thinking about insurance, safety comes first. After the accident:
- Check for injuries and call 911 if needed
- Move vehicles out of traffic if possible
- Exchange information with the other driver
- Take photos of the damage, the roadway, and any injuries
- Request a copy of the police report or get the officer’s name and badge number
Having solid evidence strengthens your position during the claims process.
Step 2: File the Claim Promptly
Allstate makes it relatively easy to start the claim. You can:
- Call the Allstate claims number at 1-800-ALLSTATE (1-800-255-7828)
- Use the Allstate mobile app
- Go through the Allstate website
- Contact your local Allstate agent
Whether it’s your policy or the other party’s, you’ll need basic information like:
- Date, time, and location of the crash
- Names of drivers involved
- Photos or videos
- Medical or repair documents
Delays in filing can lead to slower investigations or complications with coverage.
Step 3: Work With the Claims Adjuster
Once your claim is submitted, an Allstate adjuster will be assigned. They’ll investigate what happened, review documentation, and assess damages. Be honest, but cautious—adjusters work for Allstate, not for you.
You may be asked to:
- Provide a recorded statement (consider speaking to a lawyer first)
- Submit to a vehicle inspection
- Share medical bills and treatment notes
Claimants should avoid guessing, exaggerating, or downplaying injuries, as this can affect the claim’s value.
Step 4: Review and Respond to the Settlement Offer
If Allstate approves your claim, they’ll send a settlement offer. In minor accidents, this may arrive quickly. But expect more back-and-forth for cases involving injuries, lost wages, or long-term treatment.
Don’t rush to accept the first offer. You may be entitled to compensation for:
- Medical expenses (past and future)
- Property damage
- Pain and suffering
- Lost income
Accident victims sometimes settle too soon without understanding the full impact of their injuries.
Step 5: Know When to Get Legal Help
If Allstate denies your claim, offers less than your expenses, or delays the process, it may be time to seek legal guidance.
An attorney can:
- Communicate with Allstate on your behalf
- Gather supporting evidence
- Negotiate a better settlement
- File a lawsuit if needed
Cases involving serious injuries or disputed liability often benefit from professional legal support.
What About Other Types of Claims?
While this article focuses on car accidents, Allstate also handles home, renter, and property claims. The Allstate home claims phone number and customer service portal follow a similar process.
Whether you’re calling about a vehicle or property, always have your claim number and policy information ready. Staying organized can reduce delays.
Contact the St. Louis Car Accident Lawyers at Roach Law Car Accident Lawyers for Help Today
Filing a car accident claim with Allstate doesn’t have to be complicated, but it’s important to stay alert and proactive. From your first call to the final settlement, keep records, respond quickly, and know your rights.
For more information, contact the best personal injury lawyer in St. Louis, MO at Roach Law Car Accident Lawyers. We proudly serve all throughout Missouri, including St. Louis County, and we have offices in St. Louis, Chesterfield, Clayton, and Creve Coeur.
Roach Law Car Accident Lawyers – St. Louis Office
1010 Market Street, Suite 1605
St. Louis, Missouri
(636) 519-0085
Roach Law Car Accident Lawyers – Chesterfield Office
400 Chesterfield Center Suite 400
Chesterfield, MO 63017
(636) 999-9587
Roach Law Car Accident Lawyers – Creve Coeur Office
11628 Old Ballas Rd, Suite 320
Creve Coeur, MO 63141
(314) 557-2869
Roach Law Car Accident Lawyers – Clayton Office
7733 Forsyth Blvd, Suite 1100
Clayton, MO 63105
(314) 804-4569
