Dealing with an insurance company after an accident should be straightforward. You file a claim, provide the necessary documentation, and expect a fair settlement. But if you’re dealing with Allstate, the process is rarely that simple.
Over the years, Allstate has gained a reputation for being one of the most aggressive insurance companies when it comes to denying and delaying claims. In fact, many consumer reports and legal analysts rank it among the worst insurance companies for consumers due to its bad faith practices—tactics designed to reduce or outright avoid paying policyholders what they deserve.
If you’ve been in an accident and Allstate is stalling, offering lowball settlements, or outright denying your claim, you’re not alone. And you don’t have to accept it. The only real way to fight back against their tactics? Hiring an experienced lawyer who knows exactly how to counter their strategies.
How Allstate Uses Delay Tactics to Wear You Down
Insurance companies profit by paying out as little as possible. Allstate, in particular, has been caught using delay tactics to pressure claimants into accepting low settlements or giving up entirely.
Some of the most common ways they delay claims include:
- Requesting unnecessary documentation – Even when you provide everything required, they may repeatedly ask for more paperwork to stall the process.
- Taking weeks or months to respond – They drag out investigations and claim reviews, knowing that many people desperately need the money and might settle for less.
- Claiming your injuries aren’t as bad as you say – Even with clear medical evidence, they may dispute the severity of your injuries.
- Blaming you for the accident – Even when the facts show otherwise, they may try to shift liability onto you to reduce or deny your payout.
These tactics aren’t just frustrating—they’re calculated moves to force accident victims into accepting unfair settlements.
Why Allstate Lowballs Injury Victims
Even when they finally agree to settle, Allstate is notorious for offering far less than what victims actually need to cover medical bills, lost wages, and other damages.
Some of their most common lowballing tactics include:
- Offering quick settlements before you understand your injuries – They know that the full extent of an injury isn’t always clear right away, so they rush to settle before you realize how much your medical bills will be.
- Using computer algorithms to undervalue claims – Instead of fairly assessing damages, Allstate relies on profit-driven software programs to determine payouts—often resulting in unreasonably low offers.
- Refusing to consider pain and suffering damages – If you’re experiencing long-term pain, emotional distress, or a reduced quality of life, they may dismiss those claims entirely.
Many accident victims assume they have no choice but to take what’s offered—but that’s exactly what Allstate wants.
How a Lawyer Can Force Allstate to Pay What You Deserve
If you’re up against Allstate’s denial and delay tactics, the only way to level the playing field is to bring in a lawyer who knows how to fight back.
Here’s how an experienced personal injury attorney can turn the tables on Allstate:
1. Forcing a Faster Response
Once you hire a lawyer, Allstate can no longer ignore your claim. Insurance companies take claims more seriously when an attorney is involved because they know legal professionals understand their obligations and won’t tolerate stalling.
2. Gathering and Presenting Evidence
Allstate thrives on discrediting injury claims by arguing there’s not enough proof of your damages. A lawyer will:
- Collect medical records, police reports, and expert testimony to prove your injuries.
- Work with accident reconstruction experts if fault is being disputed.
- Ensure all paperwork is complete and legally sound, eliminating loopholes Allstate might try to exploit.
3. Negotiating Aggressively
Insurance companies lowball victims because they assume most people won’t know how to fight back. A skilled lawyer:
- Knows exactly how much your claim is worth.
- Will push back against unfair settlement offers.
- Can bring in expert witnesses to prove long-term damages and medical costs.
4. Taking the Case to Court if Necessary
Most insurance companies want to avoid court, and Allstate is no exception. If they refuse to offer a fair settlement, your lawyer can file a lawsuit and take them to trial.
Many times, simply filing a lawsuit is enough to make Allstate reconsider their tactics and offer a much higher settlement to avoid court costs and bad publicity.
Final Thoughts
Allstate has spent years perfecting tactics that delay claims, deny rightful payouts, and pressure victims into low settlements. If you’ve been in an accident and Allstate is handling your claim, you need someone in your corner who knows how to fight back.
A lawyer isn’t just helpful in these situations—they’re essential. With legal representation, you can:
- Avoid unnecessary delays.
- Hold Allstate accountable for unfair denials.
- Secure the full compensation you need to recover.
The sooner you hire a lawyer, the better your chances of overcoming Allstate’s tactics and getting the payout you deserve.
Don’t let Allstate dictate your future. Fight back with the right legal representation and ensure they pay what they owe.