- Car Accidents in Atlanta, GA
- Car Accidents in Marietta, GA
- Car Accidents in Woodstock, GA
- Lawyer for Car Insurance Claims
- What is the Value of Your Claim?
- How to Get a Police Report After an Accident?
- What to do if You're in an Accident With an Uninsured Driver
Opening A Claim With Allstate
Once you’ve initially filed the claim, Allstate may contact you to get details about the accident. If Allstate is your insurer, it will likely contact the other driver’s insurance company to compare details of the crash. This helps Allstate and the other insurance provider determine who was at-fault for the accident while taking each driver’s account into consideration. Georgia uses the modified comparative fault rule when determining fault in automobile accidents. For example, if someone turns in front of you, causing you to slam on your brakes but still inevitably hit them, Allstate may determine that it’s 90 percent the other driver’s fault, but since you were speeding 10 miles over the speed limit, you are 10 percent at fault. The way that this factors into insurance claims is important to understand. Based on the percentage of fault, if any, the insurance company will deduct that ten percent from your determined settlement. However, you may not be able to recover damages if you are 50% or more at fault. Now that you know the processes, you can understand how Allstate will assess fault based on your experience and the result of their investigation.Allstate's Investigation Of Your Claim
The next step is the inspection of the car and assessing personal injury. This involves calculating the damages caused by the car accident and what repairs are needed to fix them. In this stage, there are general damages and special damages. General damages are specified as noneconomic damages like pain and suffering. Special damages are economic losses like property damage, wage loss, and medical expenses. Like many other insurance companies, Allstate uses a computer program to evaluate the amount of damages it owes. Allstate’s computer program, known as the Colossus Program, is well known in the industry and is a frequent source of criticism. The software analyzes your property damage, medical records and bills, and lost wages to determine what was caused by the car accident and to make a settlement valuation. The most important takeaway from the Colossus software is that makes generalized estimations, based not on your personal experience or your unique situation, but instead based on generally applicable guidelines. It easily leads to under estimation of the appropriate settlement amount and therefore may leave you feeling like you were wronged by the insurance company’s settlement offer. While we hope insurance companies attempt due diligence in your claim, that doesn’t mean you are being awarded what you rightfully deserve. If you or a loved one has suffered personal injury from a car accident, you have the right to contact an attorney who can go over your case and determine the proper settlement value. You need to focus on your own recovery and let us take care of the rest. The Champion Firm, Personal Injury Attorneys, P.C., can help you. Give us a call today and let’s get started on getting you the right settlement for your personal injury case.Recent Car Accident Results:
- $10.2 Million | DUI car accident
- $1.2 Million | Bus Accident
- $2 Million | Rideshare Accident
- $917,792 | Trucking Accident
- $850,000 | Car Accident
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