If you need to file a claim with Allstate, call on AP Law Group for the personalized attention and aggressive representation you need. At our personal injury law firm, we understand how overwhelming it can be to feel like the underdog. When it’s time to fight large corporations, you need an advocate on your side.
As Houston auto accident attorneys, we commit ourselves to helping injured Texans fight for their future. Oftentimes, insurance representatives discourage people from working with lawyers when they file Allstate claims. However, it’s important to understand your options, especially in a vulnerable position.
When you schedule a free consultation with our attorneys, you have nothing to lose. Moreover, our motor vehicle accident attorneys work on a contingency fee basis. That means you pay us nothing unless and until we earn your settlement.
When we act as your advocates, we work to streamline the claims process and earn you a much larger settlement. Here are a few tips to help you maximize your claim.
Don’t Provide a Recorded Statement
Whenever people file Allstate claims, it’s fairly common for the insurance adjuster to ask them a few questions. Moreover, they try to request a recorded statement about your auto accident. However, it’s essential to understand that you have zero obligation to provide a recorded statement.
As motor vehicle collision attorneys in Houston, TX, we typically advise against recorded statements unless you speak with an attorney first. Here’s why.
Whenever you provide an insurance company with a recorded statement, they analyze it line by line. They search your words to find some way to use them against you. For instance, say they ask how you are, and you politely respond, “Oh, I’m okay.”
The truth might be that you struggle with pain daily. However, they use that to devalue your medical treatment and expenses. Moreover, they might use it to mitigate the damages we demand as compensation for your pain and suffering.
Oftentimes, insurance adjusters have a lot of practice taking people’s words and using them to deny or reduce your claim. With an advocate, you simply direct all communication with the company to your lawyer.
At AP Law Group, our team takes on the weight of your case so that you have the time and energy to heal. Let us handle all communication with the other parties.
Watch Your Words with the Insurance Provider
When it comes to Allstate claims and any other insurance providers, it is essential for victims to be mindful of what they say. Should you speak directly to the insurance company, be careful with your words and keep your responses to a minimum.
When you have a Houston car accident lawyer on your side, you have the option to direct all communication to them.
Following a collision with a driver who has an Allstate policy, it’s commonplace for a representative to reach out shortly after. At times, they try to pry into various factors of the accident. However, all you have to provide are the basic details. For example, if you do speak with them, all you have to provide is your information and the date and time of the collision.
Topics to Avoid with Insurance Representatives
- Your medical diagnoses or treatments
- Medical expenses you accrue
- Any time you missed at work
- How the collision happened
- What you were doing immediately before the collision
- Your emotional pain or physical suffering
- The impact of your injuries on your life
All of these factors play into your settlement. As your representation, our car accident attorneys work to provide evidence that ties these to the accident caused by the other driver. Before we reach out to Allstate to negotiate your settlement, there’s no reason for you to estimate or share this information with them.
In many claims, people speak with an adjuster and accidentally harm their settlement. All it takes is a simple reply that implies the wrong sentiment. Alternatively, they feel that it’s something they can clarify later.
Unfortunately, while you try to backtrack your words, the insurance company takes your statement and uses it to build a case against you.
Do My Medical Bills Matter?
As victims try to submit Allstate claims, they submit their medical bills as documentation of their expenses. When it comes to insurance claims, people tend to think it’s a simple matter of adding up totals and covering the costs. Unfortunately, some insurance companies work to complicate this matter.
In some instances, they ignore the actual dollar amounts in your documentation. Instead, these insurance companies use “usual and customary charges.” If that sounds unfamiliar, that’s understandable.
“Usual and customary charges” refers to the practice of bringing in medical professionals who decide whether the listed expenses make sense for the treatment you received in Houston. Oftentimes, this is unfortunate for victims because you never actually meet these professionals. As such, they have no way to examine the extent of your injuries.
Moreover, their assessments have the potential to be biased. In these instances, the insurance provider might assume that your doctor exaggerated either your costs or your condition. When they come to this conclusion, they base their offer on their own estimates. What does that mean for your bills, though?
Unfortunately, it means that your settlement might not cover the total of your actual, existing medical bills. Does that sound fair?
It doesn’t to us. When your doctor decides that a specific treatment is necessary, people often feel confident that an insurance company covers the treatment. If a company suddenly decides not to cover a treatment after the fact, it fosters an environment in which victims hesitate to seek treatment.
Any injured Texan should be able to receive immediate medical treatment without fear. When you work with our Houston car accident lawyer on your Allstate claims, you have an advocate on your side.
At AP Law Group, we take the fight to insurance companies on behalf of injured Texans. Moreover, we believe that you should receive the treatment you need without worrying about whether insurance covers your costs.
Is Your Allstate Claim Worth More Than You Think?
After a motor vehicle collision, it’s normal for a victim to want an idea of the value for their claim. When you have a paper trail that shows clear costs, it’s common to feel confident that that’s accurate. Typically, people include the costs of repairs to their property as well as their medical expenses.
That feels like enough, right?
In reality, people often leave a lot on the table when they calculate damages on their own. Oftentimes, their Allstate claims are worth much more than they think. When a collision victim adds up whatever comes to mind and sends it off to the insurance company, they don’t always think ahead.
As such, their settlement tends to be lower than they deserve.
When we calculate damages from an auto accident, it’s not something we take lightly. To maximize your settlement, it requires far more than bills.
Here are a few additional losses that our car accident lawyers in Houston consider in our calculations. Trust that we take as much possible into account as we work to maximize your settlement.
- Current and future medical expenses
- Pain and suffering
- Expenses you accrue while you have no car
- Property repairs
- Lost wages
- Reduced earning capacity
When we work with you on Allstate claims, we expand the scope to look at the big picture. Oftentimes, this requires a deep dive into how your car wreck impacted your life.
As you work with our personal injury firm, we know how to guide you through the process. All the information you provide helps us to maximize your Allstate claim beyond your bills.
NOTE: Here’s an important reminder. When you don’t ask for enough, the insurance company is happy with that! To maintain their profits, they want to pay out the smallest settlement possible. Any time victims as for less than they deserve, it’s fine by them.
Moreover, as soon as you accept a settlement, you waive your option to ask for more later. Once they close a case, you cannot make additional Allstate claims for the same accident.
They Want You to Take that Lowball Offer
This is no secret about insurance providers. Whenever people file Allstate claims, it’s normal for insurance adjusters to make a lowball offer. That makes sense, unfortunately.
After an accident, there’s so much to deal with. Your vehicle needs repairs, and so do you. As you try to deal with that, the insurance company chimes in with an offer.
At first, it probably seems like a high number. Perhaps it even covers your repair costs and medical expenses. In many cases, though, this offer is not enough to protect your future.
Oftentimes, insurance companies start out with the lowest offer they think they can get away with. All this is to protect their bottom line.
Moreover, if you accept this offer, there’s no going back.
What does that mean for you? If your injury causes you more problems down the line, it comes out of your pocket. Here are a few additional reasons to decline the initial offer for Allstate claims.
- When you take a quick payment, you don’t always know the extent of your injuries.
- Companies want you to think that quick settlement is your best option. It rarely is.
- Oftentimes, initial offers are nowhere near enough.
- Accepting the settlement means you waive all rights to pursue additional compensation.
As Houston Allstate claims attorneys, we act as advocates for injured Texans. With our expertise in car accident claims, we help you determine whether a settlement is enough. Throughout the process, we advise you on whether it’s time to accept or continue negotiations.
Far too often, the victims in motor vehicle collisions believe that the first offer is the only offer. However, you have the option to pursue the compensation you deserve. At AP Law Group, our attorneys are ready to help.
From Allstate Claims to Allstate Accident Lawsuits
Often, when people think about lawyers, they think about us in the courtroom making arguments for or against one thing or another. For many people, the idea of taking a case to court is stressful. After all, who really wants to deal with that?
Still, it’s important to know that lawsuits in Allstate claims only occur when negotiations fall through. As your advocates, we work to negotiate outside of court to achieve a fair settlement. However, when we have to go to court, we aren’t afraid to go.
If a lawsuit becomes necessary for your claim, we take the company to court to fight for the compensation you need to move on. Additionally, not every lawsuit has to go to trial.
In some cases, the mere idea of going to court is enough to make insurance providers see reason. Still, civil litigation is no simple process.
With our advocates on your side, you have a team that knows when a lawsuit becomes necessary and how to file it in your best interests. When an insurance company refuses to reach a fair settlement, here are a few of the actions we take to protect your future.
- Prepare complaints within the statute of limitations
- Discovery, in which we gather evidence from the defendant(s)
- File court motions and attend hearings
- Continue negotiations in the pre-trial phase
- Represent you in court whenever negotiations fail
Many law firms try to churn out settlements and accept offers that are fine but not great. At AP Law Group, we fight for the compensation injured Texans deserve. With our aggressive representation, you have a team to help you fight for a better future.