Allstate Insured the Driver in My Car Accident, What Should I Expect?

Allstate insures almost as many Georgia drivers as State Farm and handled over 6 million insurance claims last year. Allstate has taken a good deal of heat in the media over the last ten years because of their sometimes aggressive claims handling practices. Several years ago, Anderson Cooper did an excellent piece of investigative reporting where he discussed the effect that consultants have had on modifying the insurers approach to claims.

It was apparently felt that a "boxing gloves" approach to claims would deter claims and save the company money. If you listen to the insurer they would tell you that is only for frivolous claims. The problem is that their definition of frivolous extends pretty far. For example in April 2011, we tried a jury trial against Allstate in a moderate impact case where the client had $6,600 worth of medical bills from her primary care doctor and the physical therapist her doctor sent her to. The Allstate adjuster offered less than the medical bills, $6,000 claiming that the physical therapy was too expensive in her opinion. We tried the case to a Gwinnett County jury and the jury returned a verdict for just over $11,500, which was fair for 2 and a half months of physical therapy.

Allstate adjusters in the Atlanta area can be headstrong, especially in non-objective injury cases where they deem the only injury to be "soft tissue." As someone who has struggled with idiopathic low back pain, I can tell you that I would rather have a broken bone that would heal versus soft tissue pain.

Allstate still uses Colossus, a case evaluation system that is inherently flawed in that it cannot factor in the character and nature of the plaintiff and defendant. (some of the most important factors in whether a jury likes a case or not)

In summary we find that for fracture, DUI, and high impact cases, our clients stand a decent chance of getting a settlement offer from Allstate in Georgia at the low end of the jury verdict spectrum. For moderate impact or below cases or cases with purely soft tissue type claims, it has been our experience that trial is necessary.

If I had to rank Allstate, I would say they are one of the better evaluators when it comes to concrete, objective tested injuries like fractures, collapsed lungs etc. When it comes to soft tissue injuries though they linger at the bottom range of valuations along with other front line insurers.

Client Reviews
My wife and I were hit by a tractor trailer in 2014. After extensive research online, we were deeply impressed with the various reviews we read on Google and Avvo and chose Chris to represent us. We could not have a made a better decision. Chris and his firm treated us like we were their only clients, soothed our worries, and instantly gained our trust. Chris settled both of our cases for more than we expected.
★★★★★
A co-worker of my wife recommended Chris to us. At the very beginning Chris showed that he cared and his knowledge is priceless. Going through this process can be aggravating but Chris did a great job guiding me through this and was always available to answer my questions. Chris fought to get what I deserved even though at times I wanted to give up. Tracy
★★★★★
I want to express my deepest sense of gratitude and appreciation to Attorney Chris Simon & Attorney Chris Carsten, for all the hard work that they put forth into my case (car accident filed after being hit by drunk driver). Their attention to detail and professionalism far surpasses their firm's reputation. Because of their diligence and dedication to their craft, they were able to bring my case to a successful close, one that I could live with. You will not find a better team for your case. Should I have a need for their services again in the future, or know of anyone looking for a top notch Auto Accident Law Firm, I would not hesitate to recommend them!!!! Elle
★★★★★
Wow...Chris is a very good attorney. Me and my son was in a very bad car accident an I was clueless on how to handle the situation. It's very hard to find an attorney who allows you to contact them personally instead of you contacting their asst. I was told that I didn't have a case because the hosiptal put a lien on my acct. Chris prove different and I was able to file my case with the insurance company. The process was very quickly and Im glad I selected the right attorney..Thanks Chris A Car Accident client
★★★★★
Chris is a great lawyer and the most people friendly attorney I have ever delt with. He handled my case with great attention to detail and did so in a very short period of time. He is very consice, efficient, patient and understanding. He has a strong passion for what he does and he does it well. I recommend Chris Simon as legal representation for anyone who has suffreed damages or a loss at the negligence of others. He really cares about you and your case. A Car Accident client
★★★★★