There is a lot of information on the web about Allstate. Some of it is spot on accurate. Some is out in left field. We remove some confusion with this list of often asked questions and answers by Miller & Zois attorney Ron Miller, who has been fighting this insurance company for settlement and at trial for 17 years.
- Get an overview of Allstate's claims process in Maryland here.
- What can you expect from Allstate regarding a first settlement offer
- Get examples of verdicts and settlements in cases against Allstate insured defendants
- Maryland Car Accident FAQ
Question: Allstate tells the world we are in good hands with them. Can I trust them?
Answer: Absolutely not. Allstate runs these advertising campaigns not only to sell insurance but to trick people who bring claims against it that they are somehow on their side. They are not. Allstate's goal in every case is to not pay their full obligation. It maximizes profits by shifting their burden back to the injury victim.
Question: So it is fair to say that Allstate is just a bunch of evil liars, right?
Answer: That is a step too far. There are a lot of very decent attorneys and adjusters who work for Allstate. There is a middle ground between immoral and trustworthy. Think of your crazy aunt who has bizarre political views. She might not be a terrible person but she has some insane opinions about things. Allstate just takes ridiculous positions on the value of personal injury cases. Why? Because that is how they make the most money.
Question: Where is the claims' adjuster who is handling my case located?
Answer: This insurer has regional claims centers throughout Maryland. Most of the claims seem to go through the Columbia office.
Question: How does Allstate decide what my offer should be?
Answer: This insurance company's first settlement offer is generated by a computer system called Colossus. This program is now relied on by most of the major insurance companies -- to varying degrees -- to value injury claims. Allstate is thought to rely on this computer program as much or more than any other insurance carrier. Allstate's misuse of the program has led to millions of dollars in fines from regulatory agencies. It is true that this computer system is set up to pay uniform and consistent damages for pain and suffering. The problem that is it deliberately generates numbers that are uniformly and consistently less than the fair value a jury would give for pain and suffering damages.
Question: Who are the lawyers who will defend my case if we file a lawsuit?
Answer: Allstate has in-house lawyers who are company employees to handle personal injury claims. This insurance company will hire outside attorneys if it believes the verdict might exceed the defendant's insurance policy. So as soon as the insurance company realizes that the claim could exceed the policy limits of the insured, they will refer the case to outside counsel who are not Allstate employees. (You can find a list of these Allstate lawyers here.)
Question: Should I hire a lawyer to fight Allstate?
Answer: The certainty of this answer depends on the size of the case. If you have a serious injury or wrongful death case, I think it is the height of foolishness to try to handle it without very experienced counsel with a history of fighting and defeating Allstate. Have the lawyers gotten multiple million dollar settlements or verdicts against Allstate? Otherwise, you are playing with fire. On the other hand, if you have a small injury clam with no permanent damage, it is a closer call. Are you still probably better off with a lawyer? Probably. But many of these victims are understandably going to consider resolving the case without a professional advocate on their side.Hiring Counsel to Fight Allstate
Our trial lawyers handle serious personal injury cases in every corner of Maryland. We have a long history with this insurance carrier and have earned over $10 million in verdicts and settlements against Allstate. Does this mean you are guaranteed to win your case if you hire our law firm? Of course not. But we fight to do everything possible to put you in the position to win and get you as much money as possible. If you want to learn what your options are from experienced attorneys, call us at 800-553-8082 or get a free claim evaluation.More Information