Getting into a car accident is a stressful and frustrating ordeal. The stress of an accident is compounded by dealing with the claims process that follows. When your insurance company rejects your claim, it’s one of the most aggravating experiences possible.
If Allstate turns down your accident insurance claim, it isn’t the time to panic. You can take action to appeal or seek help from a Phoenix car accident lawyer to level the playing field. Find out now what you can do when your Allstate claim is denied and your options for achieving a favorable outcome.
Understanding An Allstate Claim Denial
You need to know the specifics of your claim’s denial before you can do anything about it. If you don’t have a copy of the denial letter, ask for one and review it to see the specific reasons they list for denying your claim.
If Allstate determines any of the following, they may decide to deny your claim:
- You were at fault for the accident
- You did not present sufficient proof to support your claim
- The damage to your car was not caused by the collision
- There are policy exclusions that apply to your claim
- There was a lapse in the payment of the policy premium
There are multiple reasons for a claim denial, but some may be unfair, and you may be able to fight their decision. If you don’t understand the denial, call and ask for an explanation. If their answer isn’t satisfactory, you can reach out to a personal injury lawyer for help and to find out if you have further options.
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Gather as much information and paperwork as you can to back up your case if you believe Allstate made a mistake in refusing your claim. Witness statements, police reports, images of the damage to your car, and medical records related to any injuries sustained in the collision are all examples of what can fall under this category.
When you have the right evidence to back your claim, it can make all the difference in the outcome. More proof means a more convincing argument.
Appealing An Allstate Claim Denial
Once you have gathered all of your evidence and documentation, it’s time to file an appeal with Allstate. This will involve writing a letter explaining why you believe your claim was wrongly denied and attaching any supporting evidence. Allstate should review your appeal and make a decision based on the information you provide.
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Take Legal Action Against Allstate
If Allstate still denies your claim after you have filed an appeal, you may want to consider taking legal action. A Phoenix car accident lawyer can provide the legal representation needed to fight for your rights and ensure that you receive a fair settlement. A lawyer can help you navigate the appeals process or even help you take Allstate to court.
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Bad-Faith Insurance Practices
All auto insurance companies have a legal obligation to handle customers’ claims with efficiency, honesty, and fair processes. If Allstate fails to meet these duties, the company can be liable for bad-faith damages.
There are several specific instances that could lead to a bad faith insurance claim against Allstate. Some examples include:
- Allstate failed to properly investigate your claim
- Withholding payment of legitimate claims in an attempt to force you to settle for less
- Unexplained or unreasonable delays in processing your claim
- Engaging in deceptive, fraudulent, or unethical claim practices
- Pressuring you to settle for less than the claim is worth
- Forcing you to sue to get a fair settlement
- Giving you misleading information or misrepresenting the policy terms
It’s important to remember that lawsuits and legal action against Allstate can be lengthy processes, but they may be the best possible option in some circumstances. You can get the advice and direction you need to file a valid bad-faith insurance claim against Allstate by consulting with a personal injury attorney.
Learn How a Lawyer Can Help if Your Allstate Claim Has Been Denied
Zanes Law is dedicated to protecting the rights of auto accident victims who suffer from unjust insurance claim denials. Our legal team is here to assist you by providing sound legal counsel and aggressive advocacy.
Our personal injury lawyers have the experience and know-how to represent individuals in any kind of legal dispute involving Allstate and other major insurance companies. We will fight for you both outside and inside the courtroom, all while keeping your best interests in mind.
If you are considering what to do after your claim has been denied, please don’t hesitate to contact us for a free, no-obligation case evaluation today. Our firm works on a contingency fee basis, so there is no upfront cost to obtain the legal help you need. Don’t put your compensation at further risk. Contact us today to find out more.