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Auto Insurance Claim FAQ
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Get Answers To Your Auto Claim Questions.

If you have to file an auto insurance claim, with Allstate, you'll get the personal attention you deserve. Find answers to common auto claim questions below and call 1-800-ALLSTATE to access 24/7 claims assistance. You may also access your claim online through MyAccount-MyClaim Center.

How long will my car insurance claim take?

Every claim is unique, and many factors determine how long it will take. Your claims team has the experience and knowledge necessary to help resolve your auto insurance claim as efficiently as possible. Giving your team all the necessary details and documentation will help keep your claim process moving smoothly.

Do I have coverage for a rental car?

If you're an Allstate policyholder, rental reimbursement may be available. If you're not an Allstate policyholder, Allstate may be responsible for transportation costs while your vehicle is being repaired. Your Allstate claim representative can provide specific details.

What happens if my vehicle is not repairable?

A claim representative will review the estimate and determine the actual cash value of your vehicle. If the cost to repair your vehicle exceeds the amount it's worth (or a specific threshold depending on your state), then it is declared a total loss or "totaled". Allstate will pay you the actual cash value of your car, up to the policy limit, minus deductible if applicable.

What's a deductible?

Your auto insurance deductible is the amount you choose to pay out of pocket before Allstate covers any losses. For example, if you have a $500 deductible and $2,000 worth of covered damage, you pay $500 and Allstate covers the rest, or in this case, $1,500.

When will I receive my payment?

Based on the payment preference you have selected, once a determination has been made, your payment will be issued directly to you through Quick Card Pay (usually received within minutes), Fast Mobile E-Pay (usually received within a day), or check (which could take 5-7 days to receive in the mail). Large payments may require a two-party check that includes a repair facility or lienholder.

NOTE: If the instructions were to provide an inspection and estimate of damages only, a payment will not be issued at the time the estimate is completed. Further contact with the Allstate claim representative would be needed.

Where should I take my vehicle for repairs?

You can have your vehicle repaired anywhere you wish. Allstate always honors customer choice of repair facility. If you don't have a repair shop selected, consider a Good Hands® Repair Network shop. You'll get convenient repairs and guaranteed workmanship on covered repairs. You are not under any circumstance obligated to utilize a repair shop in our network. Please provide a copy of the Allstate estimate to your selected repair shop.

What happens if the repair shop finds additional damage or charges more to repair my vehicle?

The estimate you received may be the first step in the repair process. It is not uncommon to find hidden damage once the repairs begin. If this happens, the repair shop will contact Allstate to approve any additional expenses. Once approved, we'll send the payment directly to your repair shop.

The accident wasn't my fault. Will I have to pay my deductible?

Maybe. For certain coverage types, you'll pay a deductible even if you weren't at fault. However, if there's a chance Allstate can recover the amount paid, including your deductible from the person responsible, we will. If we aren't successful, you can choose to try to recover the deductible yourself.

What happens if my vehicle is totaled?

A claims adjuster will review the estimate and determine the actual cash value of your car. If the cost to repair your car exceeds the amount it's worth, your car will be declared a total loss, or "totaled". In that case, Allstate will pay you the actual cash value of your car, up to your policy limit, minus your deductible.

What if the repairs are more than the estimate?

If you choose to have your car repaired at a Good Hands Repair Network shop, the shop will work directly with Allstate to address additional damages. If your car is getting fixed at any other repair shop, the shop should contact Allstate to discuss additional damage.

Will my insurance premium increase if I file a claim?

Everyone's situation is unique. Depending on your circumstances, your premium could go up. If you're concerned, talk to your agent. You can also ask your agent about policy features like Accident Forgiveness, which could help prevent your premium from going up just because of a claim.

For more info, check out: My Premium Changed—Why?

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