How Allstate actually handles injury claims.
Allstate has one of the most studied claims-handling histories in the industry. The 'good hands' marketing has been at odds with internal claims practices documented in litigation since at least the 1990s.
How they handle bodily injury cases.
- Allstate's documented McKinsey-driven claims process (the 'CCPR' system) restructured their bodily injury operations to push lower offers and force more cases into litigation. The internal documents have been public for years.
- First offers from Allstate on injury cases are often the lowest of the major carriers. The expectation is that most claimants accept rather than litigate. The ones who don't tend to do significantly better.
- On cases that go to suit, Allstate has been willing to take cases to verdict where other carriers would settle. This means filing is sometimes the only thing that produces movement.
What to expect from Allstate adjusters.
- 01
Extended delays between offers, designed to wear down unrepresented claimants.
- 02
'Take it or leave it' framing on first and second offers.
- 03
Heavy reliance on Colossus and similar software outputs, with negotiated departures from those numbers requiring documentation the adjuster wouldn't otherwise request.
- 04
Disputing causation aggressively, especially in cases involving pre-existing conditions or older claimants.
Quirks worth knowing.
- Allstate's structured-settlement preferences sometimes push claimants toward annuities they don't need or want. Lump-sum settlements are usually the right ask in PI cases.
- Illinois has produced more reported decisions on Allstate bad-faith conduct than most other states. § 155 leverage exists when delay is unreasonable.
FAQ
Common questions about Allstate claims.
Allstate is dragging its feet. What can I do?
Allstate sent me to an IME. Do I have to go?
Allstate's first offer was insulting. Should I respond?
Dealing with Allstate? Don't go it alone.
The first conversation is free. We will tell you whether the offer they sent is fair, what your case is actually worth, and what to do next.
This page is general information about insurance carrier practices, not legal advice. Specific outcomes turn on the facts of each case. Allstate is not affiliated with this firm. Past results do not guarantee similar outcomes.
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