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Allstate Claims Process
Claims Process
Because each claim is unique, the claim handling process varies. Below are the typical steps your claim will go through after you report it:
Investigate the Facts
  • Gather the facts from everyone involved
  • Determine if coverage applies and the corresponding limits
Determine Who's Liable (in an Auto Claim)
  • Evaluate what was reported
  • Investigate and resolve any discrepancies
Inspect and Estimate Damages
  • Inspect the vehicle or property and identify related injuries
  • Prepare an estimate
  • Discuss repair options
  • Determine value (if vehicle is a total loss)
Complete Claim Process
Finalize all necessary paperwork
Time Required to Handle the Claim
The amount of time required to handle each claim varies based on the severity of the damage, the number of parties involved and other factors. You benefit in the long run when we spend time up-front reviewing the facts concerning your claim and determining the right type of investigation needed. Sure, some claims may be simple enough to handle in a single phone call, but others are more complex and require additional research in order to help protect your interests.
In a Catastrophe
The length of the process depends on a variety of factors. Although additional staff is dispatched to handle the large volume of claims, there may be hundreds or even thousands of customers affected by an event.
Each claim is different in the time required to complete. If you're registered with our Customer Care Center, you can follow the status of your claim online. Your claim representative will also be able to provide you with a better time estimate as he or she begins to handle your claim. To speed up the process, please provide your claim representative with as much information as possible about your claim.
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Related Materials
Auto Claim Questions
Review our frequently asked questions.
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Property Claim Questions
Review our property frequently asked questions.
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Need help Filing a Claim?
Call or log on today
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Catastrophe Information Center
Get help with disaster claims and recovery after disaster strikes.
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Before Catastrophe Strikes
There are many steps you can take to safeguard your family.
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Be Prepared
Download Allstate's free home inventory software and create a room-by-room inventory of your personal possessions.
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