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Insurance Claim Denied By Allstate? Learn About Your Options.

by Benjamin Tarshish on August 5, 2021

Quick Facts About Allstate Insurance

Allstate is an insurance company based out of Northfield Township, Illinois. The company was founded in 1931 and has approximately 46,000 employees. Based off a recent study, Allstate currently insures 18% of the United States auto insurance market. An investigation by CNN in 2007 found that large US insurance companies, such as Allstate, are expanding their efforts to resist paying auto insurance claims to injury victims – even to victims who were injured due to no fault of their own. The following year, the American Association for Justice listed Allstate as the number one worst insurer in the United States.

Auto Accident Victims May Be Entitled To Compensation From Allstate Insurance

Car accidents are a common occurrence in Minnesota. According to data collected by the Minnesota Department of Public Safety, nearly 30,000 people involved in car crashes are injured each year in the state of Minnesota. For most of these accident victims, the result is that they face extensive damages. Aside from the physical pain and suffering incurred, often they are subjected to staggering medical bills along with lost wages from work.

Typically the auto accident victim will be able to collect compensation by way of their own auto insurance provider or via the other motorist’s insurance company. Sadly, however, the large insurance companies do not always abide by the maximum amount of compensation that the victim is due. Many times, valid claims are incorrectly denied by Allstate Insurance as well as other insurers.

If Allstate denied your insurance claim, what are your options? The most important thing to be aware of is that you have legal options at your disposal. You should not automatically assume that your claim is worthless. Contact an experienced Minneapolis car accident attorney who is well-versed in dealing with Allstate insurance claim denials.

What’s The Difference Between A First And Third Party Claim?

There are two major types of insurance claims: first party claims and third party claims. An example of a first party claim would be if you are an Allstate customer and you are attempting to bring a claim against your own auto insurance policy with Allstate. In contrast, an example of a third party claim would be if you attempt to bring a claim against the auto insurance policy of the other motorist who is insured by Allstate.

In some circumstances you will need to seek a first party claim, while other circumstances necessitate a third party claim. Which type of claim to seek varies based on the specific facts involved in your case. Nonetheless, irrespective of whether you are an actual customer of Allstate, the company is required to deal with your case in an equitable fashion.

Allstate Insurance Must Act In Good Faith

Allstate is legally required to process both first party and third party insurance claims using good faith settlement procedures. They are not allowed to deny plainly legitimate claims and they also cannot use the potential to deny a claim unfairly as a negotiation strategy. There are many specific requirements that must be met by the insurance company. If your car accident was dealt with unjustly, then you may be an Allstate victim of bad faith.

Bad faith insurance victims qualify for compensation equal to the entire value of their damages. In addition to the original claim value, they may be granted further monetary aid. Here are some indications that could demonstrate Allstate to be processing your claim in bad faith:

  • Failure to communicate properly
  • Excessive delays
  • Failure to include relevant facts
  • Inaccurate characterization of the insurance policy
  • Not fully examining your claim
  • Unfairly refusing coverage
  • Excessive requirements for paperwork
  • Failure to fully compensate the claim

What Can Our Award Winning Auto Accident Lawyers Do To Help?

Inspect Your Denial Letter
You likely received an official denial letter from Allstate Insurance explaining why they denied your claim. It’s important to review the factors which lead the insurance company to reach their determination. Once you have received your denial letter, it’s important to show it to an experienced lawyer. Your attorney will be able to assess the determining denials factors and advise you as to the best course of action.

File a Demand Letter
Your lawyer can prepare your demand letter in response to Allstate denying your car accident claim. Within your demand letter, your attorney will enumerate the circumstances of your case and include a request for financial compensation. Moreover, if your Minneapolis car accident lawyers suspect that Allstate is using bad faith settlement procedures, your attorney can explain that you are willing to bring a bad faith settlement claim against Allstate Insurance if the situation is not remedied.

The Appeals Process
If your insurance company has denied your claim, our award winning Minnesota car accident attorneys can file an appeal directly with Allstate. We will ensure that your paperwork is filed correctly and prepared in the most effective way possible. This will promote a speedy resolution for your claim.

Tough Negotiation
Oftentimes people mistakenly assume that they have no further options after receiving a denial later. Some believe that the only alternative left is to sue the insurance company. In reality, however, if you find yourself in this situation, there is a way to get Allstate to negotiate with you. Our MN car accident lawyers have extensive experience negotiating with insurance companies. We will aggressively advocate for your claim and strive to secure the maximum settlement possible for your insurance claim.

Bring an auto accident lawsuit for your injury
Most car accident injury claims end up being settled out of court. Still, some claims may require that the victim ultimately file a lawsuit against Allstate Insurance. In addition to the injury lawsuit, there is also the possibility that a bad faith insurance claim needs to be brought. Our car accident attorneys will explore every possible recourse for your insurance claim, including filing a lawsuit against Allstate.

If Allstate Has Denied Your Insurance Claim, What Are Your Options?

If you or a loved one have had your insurance claim denied, the personal injury attorneys at Tarshish Cody are available to assist you. Get the legal representation you deserve to move forward as quickly as possible! At Tarshish Cody we will fight your Allstate insurance claim on your behalf to seek compensation for your injuries, pain and suffering, and financial loss which resulted from an accident.

For further questions about your denied Allstate insurance claim, call Tarshish Cody’s personal injury attorneys at 952-361-5556 or fill out the free Case Evaluation Form.

July 27, 2021 — Minneapolis, MN:  Tarshish Cody attorneys Benjamin Tarshish, Adam Strauss, and Kyle Kosieracki were selected to the 2021 Minnesota Super Lawyers Rising Star list. This was the fourth consecutive selection to the Super Lawyer Rising Stars list for the firm’s Consumer Protection and Class Action attorney Adam Strauss. The firm’s Personal Injury practice group was also honored to have two attorneys selected as MN Super Lawyers Rising Stars: Benjamin Tarshish (third consecutive year) and Kyle Kosieracki (second consecutive year) also made the Super Lawyers Rising Star list for 2021. Each year, no more than 2.5 percent (1 out of 40) eligible Minnesota lawyers are chosen for this honor.

“I am again feeling grateful and humbled to be selected as one of the top personal injury lawyers in my field, and I’m ecstatic for my colleagues Adam and Kyle who also received this tremendous honor. I am also thrilled for my colleague Kyle [Kosieracki], whose continuous hard work and tenacity as a litigator is being noticed by the legal community, as evidenced by his selection to the list this year,” said Benjamin Tarshish. “It is a wonderful feeling of accomplishment to see the dedication and hard work, as well as the successes we’ve achieved this past year for our clients, being awarded again this year by our respected peers, including the numerous talented attorneys in the legal community in the Minneapolis-Saint Paul Metro and across Minnesota.” Tarshish added, “I’m amazed by each of the attorneys selected this year from our firm, and proud of their work ethic, unique skills, and the undeniable successes achieved for our courageous clients — injured individuals, consumers, as well as others, our firm has been fortunate enough to be given the opportunity to represent.”

TARSHISH CODY, PLC 2021 RISING STARS:

Kyle Kosieracki
Adam Strauss
Benjamin Tarshish

ABOUT TARSHISH CODY: Founded in 2011, Tarshish Cody, PLC offers aggressive advocacy and experience in litigating personal injury cases, consumer protection cases, consumer class actions, family law cases, and criminal defense. Based in Minnesota, Tarshish Cody, PLC has built a reputation as a fearless, respected and successful plaintiffs’ law firm, with the core focus of obtaining justice and outcomes that defy the odds for its clients while contributing to the legal profession and its community in a positive and meaningful way.

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