Allstate is one of the largest insurance companies in the world. Between automobile, property, and bodily injury claims, they handle six million claims a year, for a total of approximately $15 billion in payments to customers and claimants. For the first quarter of 2019 alone, Allstate Corp. posted $1.2 million in net earnings. It has a great deal of market share in Maryland in automobile insurance and other third-party personal injury claims insurance. Click the links below if you are interested in a particular topic:
Allstate’s handling of personal injury accident claims in Maryland has led to the conclusion by some victims and lawyers that it is the “worst” insurance company to deal with in handling accident claims.
Allstate’s reputation is based on a number of factors. It is a difficult company to deal with on injury claims. Actions have consequences, and word has spread that Allstate does not play fair.
There was the infamous advice from McKinsey & Co to overhaul its claims practices, using "boxing gloves" as a metaphor to characterize how it should treat third party claims victims and even their own policyholders who balk at their settlement offers.
Another piece of advice McKinsey gave, which resonated with claimants after their recommendation were implemented, is to stall claims where the victim does not rollover for settlement. This advice was given many years ago, but the core of the message is still being used today by some of their adjusters.
Another complaint is its use of Colossus, a computer system that takes human beings out of the equation. Colossus calculates injury settlements based on factors such as the severity of the injury, the age of the victim, and the victim’s accident lawyers’ record of filing suit and taking cases to trial.
Colossus takes out of the equation both the subjective qualities of the claimant (judges and juries tend to give more to victims that appear to be upstanding people) and the fact that not everyone responds the same to an accident or endure the same injuries.
In spite of its reputation as the “anti-good hands” company, we don't view them as the worst car insurance company to deal with in Maryland. In fact, Allstate's settlement offers are typically better than what you would receive in the same case from Progressive, GEICO, or State Farm Insurance Companies. Learn more about these insurance companies here.Serving the Lawsuit
If you are serving Allstate directly, you can serve the Maryland Insurance Commissioner instead of serving the company directly.
If you are suing a driver that was insured by Allstate, then you must serve that driver. The insurance company in those situations provides a lawyer and will pay out any judgment or settlement, potentially limited by the size of the policy. The negligent driver is the legal defendant in these cases.
We have had a lot of success getting quality settlements and verdicts against Allstate, earning well over $10 million against Allstate alone. Understandably, people want to learn about the settlement value of their personal injury claim. The settlement value is almost invariably a different number than the trial value. How different?
It depends on a number of factors. But the biggest driving force is the strength and size of the case. In small cases, the trial value may be 150%-175% greater than the insurance company's last offer. But in some large cases, it is not uncommon for the trial value to be 2000% greater than the initial offer. Does Allstate ever make first offers that are in the range of reasonable? Rarely. But it does depend on the case.
How much money is Allstate’s average first offer? It is hard, maybe impossible, to compare cases. We will use the amount of medical bills as a simple barometer of the value of a case. We pulled some Allstate offers semi-randomly to give you a feel for what you might be able to expect:
These first offers are clearly not ideal. How long does it take Allstate to make a better offer? Sometimes, it happens quickly. One of the fatal cases above settled for Allstate's $1 million policy limit immediately after we filed a lawsuit. Allstate also offered its policy limits in the other accident fatality case included in this list.
Conversely, in the case above where Allstate offered $70,000, the company doubled its offer before trial. That is a big increase, but it was less than the value of the case, and we had to go to trial. The jury awarded $928,000.
If you want to get every single dollar you deserve, there is a 95% or more chance that you will need to file a lawsuit against Allstate or its insured. You will have a hard time getting a fair value for your case without first suing Allstate. Only about 10% of our top 50 cases involved a settlement before filing a lawsuit.
Does this mean you should always just sue Allstate and not even bother to settle the claim pre-suit? That is up to you. Settling before filing a lawsuit is much faster. A lawsuit can take years to conclude. Our job is to get you as much money as possible at whatever point you decide to settle.Making a PIP/No-Fault claim against Allstate
Personal injury protection ("PIP") is a component of auto insurance coverage that provides extended coverage for personal injuries, paying for expenses like medical bills and lost wages regardless of who was at-fault for an accident. This makes PIP coverage different from general liability coverage. Liability coverage pays for damages you cause to other drivers when the accident is your fault. PIP covers your own damages even when you are at-fault for the accident.
Allstate may also refer to its PIP coverage as “no-fault” insurance. Allstate's PIP coverage helps pay for:
- Health insurance co-pays or deductibles
- Medical expenses or costs that exceed health insurance limits
- Lost wages or income
- Childcare and other essential services that are interrupted
- Funeral expenses
Personal injury protection coverage is mandatory in 16 states, including Maryland. In a handful of other states, PIP is optional. Review your auto insurance policy or check with your insurance agent to find out whether you have PIP coverage. States without PIP may have medical payments, or “med pay,” coverage instead.
The minimum legal Maryland car insurance coverage is:
- Bodily Injury Liability Coverage: $30,000 minimum per person / $60,000 minimum per accident
- Property Damage Liability Coverage: $15,000 minimum
- Uninsured Motorist Bodily Injury Coverage: $30,000 minimum per person / $60,000 minimum per accident
- Uninsured Motorist Property Damage Coverage: $15,000 minimum
- Personal Injury Protection: $2,500 minimum*
*PIP coverage can be declined in Maryland, but this requires the insurer to get a formal waiver signed by the insured.
Allstate has regional claims centers throughout Maryland where its claims adjusters operate. Most claims go through the Columbia office.
For cases that are in suit, Allstate's lawyers in Maryland are house counsel that often do not share their adjusters' view of a case. There are two house counsel offices in Maryland, one at 400 East Pratt Street in Baltimore and another at 6411 Ivy Lane in Greenbelt. If you file a lawsuit against them in a case where there is little likelihood the claim will exceed the value of the insurance policy, the defense’s counsel will most likely be in-house lawyers employed the insurance company.
If there is a risk of an excess verdict, i.e., a jury award that exceeds the amount of the insurance policy, the case will be referred to outside attorneys not employed by the company directly. These law firms include:
- McManus, of Sasscer, Clagett & Bucher in Upper Marlboro
- McCarthy Wilson in Rockville (and now Baltimore)
- Cohen & Green (Annapolis)
- Anderson Coe & King (Baltimore)
- DeCaro, Doran, Siciliano & DeBlasis (Bowie)
- Rollins, Smalkin, Richards & Mackie (Baltimore)
- Allstate Insurance Company
22600n Gateway Center Drive
Clarksburg, Maryland 20871
- Allstate Insurance Company
7067 Columbia Gateway Drive
Columbia, Maryland 21046
800-255-7828 (main number for claims nationally)
- Allstate Insurance Company
5325 Nottingham Drive, Suite E
Columbia, Maryland 21236
- Allstate Insurance Company
P.O. Box 43670
Baltimore, MD 21236
Below are sample jury verdicts and settlements involving Allstate Insurance. With them, we hope to provide another resource to victims and lawyers for the valuation of personal injury claims. We provide the story of the case and how the insurance company or jury valued the claim.
We generated this list from a variety of sources, including our own law firm's settlements and verdicts with Allstate. Your case may be worth a lot less or a lot more depending upon a whole host of different factors.
For example, you can also look at how your injury has been valued in other cases, the value of settlements based on the type of accident, and how different counties in Maryland value claims. Also see our page on how the Colossus computer program values claims.Maryland
- 2020, Maryland: $130,000 Settlement Our plaintiff is making a left turn into a gas station when he is t-boned by a car driving down the wrong side of the road in St. Mary’s County. He suffers a herniated cervical disc, subsequent disc replacement surgery (ACDF), and limitations with his range of motion, but no residual pain. The case is problematic because the plaintiff is a former college wrestler who had multiple prior neck injuries, including a prior ACDF. Allstate’s offer remains at $35,000 throughout most of the litigation. The week before trial, Allstate increases its offer to $80,000. We decline this offer and continue preparing for trial, believing that the case is worth more. The day before the trial, Allstate accepts our demand of $130,000.
- 2019, Maryland (Prince George's): $200,000 Settlement Our client is rear-ended at a red light. He has soft tissue injuries. Allstate jumps on the fact that he only goes to the doctor six times after the injury. They offer a $17,000 settlement. Our lawyers file suit against Allstate and GEICO. Before trial, their offer more than doubles to $38,000. The trial begins, and in the middle of the trial, Allstate and GEICO (who has the excess insurance policy) make a $175,000 settlement offer. We demand $200,000, and they agree.
- 2019, Maryland (Baltimore County): $104,000 Verdict The plaintiff allegedly suffers injuries including disc protrusions at L3-L5 and unspecified head and cervical injuries when, while stopped at a posted stop sign, he is rear-ended by an uninsured defendant. The plaintiff's vehicle is forced forward and into the rear of the vehicle stopped in front of him. Plaintiff seeks UIM coverage from his insurer, Allstate, and a jury in Baltimore County eventually enters a verdict in excess of the $100,000 UIM policy limits.
- 2019, Maryland (Baltimore City): $171,000 Verdict An adult male plaintiff allegedly suffers a blunt head injury with loss of consciousness, dizziness and occipital and frontal headaches as well as post-traumatic stress disorder after he is t-boned by another motorist while proceeding through an intersection. His damages exceed the other driver’s policy limits and he sues Allstate for UIM benefits. Liability is admitted and the case goes to trial to dispute damages only. The jury awards $171k in total damages.
- 2019, Maryland (Baltimore County): $150,000 Verdict Plaintiff was a pedestrian in a restaurant parking lot in Owings Mills when defendant (insured by Allstate) started backing up her car and pinned him against another vehicle. Plaintiff suffered various unspecified injuries and filed suit against defendant. The case went to trial and the jury awarded $150k.
- 2018, Maryland (Baltimore City): $89,000 Verdict A driver insured by Allstate is driving northbound on Reisterstown Road when an uninsured driver travelling in the opposite direction crosses the center line and hits her head-on. She sues Allstate for UIM benefits, and the case goes to trial. The jury awards $89k.
- 2018, Maryland (Baltimore County): $73,000 Verdict The plaintiff is driving on I-795 near Owings Mills when he is rear-ended by the defendant, resulting in various unspecified injuries to the neck and back. The defendant is insured by Allstate and the case proceeds to trial where a jury awards $73k in damages.
- 2018, Maryland (Baltimore City): $73,000 Verdict The plaintiff suffers various injuries in an accident caused by the defendant, who is insured by Allstate. The defendant made an unsafe lane change at the intersection of Curtis Ave and Patapsco Ave. Liability is not at issue but, Allstate contests the nature and extent of plaintiff’s alleged injuries. The case goes to trial and results in an award for the plaintiff of $87k, which is reduced to $73k per a pretrial settlement.
- 2019, Minnesota: $170,000 Verdict The 22-year-old plaintiff is a passenger in a car that is rear-ended while stopped at a traffic light. The plaintiff allegedly suffers cervical and thoracic strains, a right hip labral tear that requires arthroscopic repair surgery, a concussion, vision loss, headaches, and emotional distress. The at-fault driver is uninsured, so the plaintiff seeks UIM benefits from his insurer, Allstate. Allstate disputes the alleged injuries, claiming that plaintiff's hip problems were pre-existing and not caused by the accident. A jury in Minneapolis rules in favor of plaintiff and awards $168k in damages.
- 2019, New Jersey: $100,000 Settlement A male in his mid-50s is walking in a crosswalk when he is struck by a motorist making a left turn. The plaintiff allegedly suffers head injuries, including a subarachnoid hemorrhage and permanent memory and cognitive deficits. He also allegedly suffers back injuries. He settles with the negligent driver for the policy limits of $50k and pursues a UIM claim against Allstate. The Allstate UIM claim eventually settles for policy limits of $100k.
- 2019, Texas: $220,000 Verdict The female plaintiff is in the right lane of traffic when the at-fault driver crosses into her lane and strikes her, causing significant personal injuries. The plaintiff settles with at-fault driver for policy limits and then files suit against her insurer, Allstate, for UIM damages in excess of the policy limit settlement. Allstate disputes the nature and extent of the plaintiff's injuries and damages and the case goes to trial solely on that issue. The jury awards the plaintiff $233k.
- 2019, Florida: $940,000 Verdict The plaintiff comes to a stop at a stop sign and is violently rear-ended by another motorist. As a result of the accident, plaintiff reportedly suffers bursitis and myofasciitis of her right hip, resulting in a 3% impairment rating, a gluteal tendon injury, lumbar sprain, facet arthropathy, as well as chronic pain syndrome. The plaintiff pursues a UIM claim against Allstate. Allstate denies that plaintiff suffers from any permanent injuries and seeks various setoffs. Jurors find that plaintiff's injuries are permanent and awards $937k in damages, much more than Allstate's settlement offer.
- 2018, New Jersey: $70,000 Verdict The plaintiff reportedly suffers two cervical disc bulges and a torn labrum in her shoulder while she is driving the lead vehicle in a four-car rear-end collision. After settling with the tortfeasor, the plaintiff sues Allstate for UIM benefits, alleging that Allstate failed to properly evaluate her claim despite having knowledge of her medical condition and did not negotiate with her or make a settlement offer. Allstate denies the causal connection between the accident and the plaintiff's alleged injuries and damages. The jury awards the plaintiff $70,000 in damages.
- 2018, Texas: $207,000 Verdict The plaintiff suffers major injuries when another motorist loses control of their vehicle in the rain. Plaintiff settles with the at-fault driver for policy limits and then pursues additional UIM damages from Allstate. Allstate refuses to settle and case goes to trial, where jury awards $207k. The verdict was subsequently reduced to the policy limits of $50k.
- 2018, Washington: $350,000 Verdict The plaintiff, a 17-year-old female high school student, reportedly suffers a concussion with headaches, executive dysfunction, mood changes, and language processing difficulties, as well as left hip, left leg, wrist, cervical, and lumbar spine injuries. An uninsured motorist made a left turn and struck her in a marked crosswalk. Allstate refuses to settle her UIM claim and goes to trial alleging that the plaintiff was contributorily negligent in wearing dark clothing. The jury finds in favor of the plaintiff and awards $350,000.
- 2018, Louisiana: $102,000 Verdict The plaintiff's SUV is struck in the rear by another automobile while attempting to merge onto the highway. The plaintiff suffers various unspecified personal injuries as a result. Both the plaintiff and the at-fault driver are insured by Allstate. After settling her claim against the at-fault driver for policy limits, the plaintiff sues Allstate for UIM benefits. Allstate denies liability, disputing the nature and extent of damages and arguing that plaintiff failed to mitigate her damages. Following a bench trial, the plaintiff is awarded $101k in damages.
- 2017, Colorado: $800,000 Verdict The plaintiff is rear-ended by the defendant at an intersection in downtown Denver and sustains fairly significant injuries. The plaintiff sues both the at-fault driver and her UIM insurance carrier, Allstate. Allstate disputes the nature, extent, and causation of the plaintiff's alleged damages. Prior to trial, Allstate rejects the plaintiff's $250,000 policy limits demand and counters with an offer of $58,000. The plaintiff rejects that offer and the case goes to trial. The jury awards $800k.
Compared to other insurance companies, Allstate makes low initial settlement offers on auto accident claims in Maryland. In our experience, Allstate's first offer to settle a claim is usually around 30% to 50% more than the total medical expenses. This rarely approaches a reasonable settlement offer.
No, Allstate does not take many car accident cases to trial in Maryland. Allstate takes a lower percentage of its Maryland auto accident claims to trial than most of the leading car insurance companies. Allstate is particularly reluctant to try cases in Baltimore City and Prince George's County. Our Maryland accident lawyers have had many cases with Allstate where we feel confident we will go to trial only to settle the case at the last minute. (Our last trial with Allstate settled during the trial.)
Allstate claims adjusters can be somewhat prickly to interact with, especially if you reject their initial settlement offer. Allstate does tend to make fair initial offers on claims, but once that effort to settle the case fails they will take a very adversarial approach moving forward.
Allstate has its own team of in-house counsel that litigate their auto tort cases in Maryland. Their office is located at 400 E. Pratt Street in Baltimore. Allstate's in-house lawyers are usually much easier to deal on accident claims. These in-house lawyers either have the authority to overrule the position of the claims adjuster or they have a good ability to persuade the adjuster that a more reasonable position should be taken.
If the case has a reasonable chance of exceeding the insurance policy limits, Allstate will hire outside lawyers to defend their claims. Historically, some of these lawyers handle the cases for a flat fee. This is a great disincentive for the lawyer to go above and beyond on the claim.
- Dealing with Encompass Insurance (owned by Allstate)
- How does Colossus value claims?
- Who is licensed to use Colossus?
- Look at sample interrogatories from Allstate
- Sample PIP Application from Allstate
- Sample Interrogatories from Allstate
- Motion to Limine (Allstate used inconsistent evidence at trial)
- Deposition of an Allstate Adjuster (in a Maryland car accident case)
- Car accident FAQs
- The value of your claim based on type of injury
- When should I settle?
- Handling personal injury claims without a lawyer
- Handling Your property damage claim
- Sample Demand Letter (letter to insurance company for settlement)
If you have been injured in an automobile accident in Maryland, you need a lawyer to either handle your case or, in smaller cases, at least point you in the right direction.
Contact us at 800-553-8082 or online at no charge to discuss how we can help you with your accident claim.