Sean O’Rourke | March 13, 2025

How to File a Car Accident Claim With Allstate

If you’ve been involved in a car accident, navigating the claims process can be overwhelming, especially when dealing with insurance companies. Allstate is one of the largest insurers in the country, and understanding how to file a claim with them can help ensure that you get the compensation you deserve for your injuries, damages, and lost wages. In this guide, we’ll explain how to file a car accident claim with Allstate, the key steps involved, and how Texas law can impact your claim.

Step 1: Seek Medical Attention

The first thing you should do after a car accident is ensure that you and anyone involved receive proper medical attention. Even if your injuries seem minor, it’s important to get checked by a healthcare professional. This not only ensures your health but also provides crucial documentation for your claim.

Step 2: Report the Accident to Allstate

Once you’ve received medical attention, the next step is to report the accident to your insurance provider. You can file a claim with Allstate online, over the phone, or through the Allstate mobile app. Here’s what you’ll need to do:

  1. Provide Details of the Accident: You’ll need to give Allstate details of the accident, including when and where it occurred, the names of the drivers involved, and a description of the damages.
  2. Submit Supporting Documents: Include any relevant documentation, such as the police report, photos of the scene, medical records, and repair estimates for vehicle damage.

The more detailed and organized your information, the smoother the claims process will be.

Step 3: Review Your Coverage

When filing a claim with Allstate, it’s important to review your policy to understand the type of coverage you have. In Texas, liability insurance covers damages if you are at fault in an accident. However, if the other driver is at fault, their liability insurance should cover your damages. Allstate’s comprehensive and collision coverage policies will help repair your car if it’s damaged in an accident, regardless of fault.

Additionally, Texas drivers are required to carry Personal Injury Protection (PIP), which can cover medical expenses and lost wages, regardless of who caused the accident. PIP coverage is particularly important for speeding up the claims process, as it allows you to receive compensation quickly while you wait for the investigation and settlement.

Step 4: Cooperate With the Claims Adjuster

Once your claim is filed, Allstate will assign a claims adjuster to review the details of the accident. The adjuster will investigate the circumstances surrounding the accident, assess the damages, and determine the amount of compensation you’re entitled to.

Be prepared to answer questions and provide additional information as needed. It’s important to remain transparent and honest throughout the process. However, be cautious about making statements that could be interpreted as admitting fault. In Texas, the state operates under modified comparative negligence laws, meaning that if you’re partially at fault for the accident, your compensation may be reduced in proportion to your degree of fault, and if you are over 50% at fault, you won’t be able to recover at all.

Step 5: Negotiate a Settlement

After the adjuster has completed the investigation, they’ll present you with a settlement offer. At this point, it’s critical to carefully review the offer and assess whether it adequately covers your medical bills, property damage, and other expenses related to the accident.

If the initial settlement offer is not sufficient, you can negotiate with Allstate. Having a personal injury attorney representing you can be incredibly beneficial during this stage. A skilled attorney can help ensure that your claim is valued appropriately and that you receive a fair settlement.

Once a fair settlement is reached, you can accept the offer, and the case will be closed. However, if you’re unable to reach an agreement with Allstate, you have the option of filing a lawsuit to pursue additional compensation. Texas law allows accident victims to take legal action if they believe the insurance company has offered an unfair settlement.

Before filing a lawsuit, it’s essential to consider all possible outcomes and consult with your attorney about the best course of action. Remember that Texas’ statute of limitations for filing personal injury lawsuits is typically two years, so you’ll need to take timely action if you choose this route.

Step 7: Close the Claim

After you accept a settlement or the legal process is concluded, your claim will be officially closed. If you’ve been compensated fairly, your medical bills, vehicle repairs, and lost wages should be covered. If you’ve had legal representation, your attorney will help ensure all expenses are paid out and that you receive your fair share of the settlement.

When to Contact a Personal Injury Attorney

While filing a claim with Allstate can be straightforward, it’s always a good idea to seek legal counsel if your injuries are severe or if you’re facing challenges during the claims process. A personal injury attorney specializing in car accidents can help protect your rights and ensure that you receive the full compensation you deserve in Texas, where insurance companies may offer lowball settlements. Having an attorney on your side can make a significant difference in the outcome of your case.

Navigating Your Car Accident Claim With Confidence

Filing a car accident claim with Allstate may seem daunting, but by following these steps and understanding your rights under Texas law, you can make the process smoother. If you’re unsure about any part of the claims process, don’t hesitate to reach out to a skilled personal injury attorney to guide you every step of the way.

For more information, please get in touch with the Houston personal injury attorneys at Simon & O’Rourke Car Accident & Personal Injury Lawyers at our nearest location to schedule a free consultation today.

Simon & O’Rourke Car Accident & Personal Injury Lawyers
440 Louisiana St Suite 2300-A, Houston, TX 77002
(281) 667-4081