Auto Insurance Claim FAQ

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.

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.

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.

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 Roadside 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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