auto and motorcycle claims

If a repair shop finds additional covered damage, Allstate will be contacted to approve additional expenses and have payment sent directly to your repair shop.

If repair costs are more than the current value of your car, then we consider the vehicle as a “total loss”. Allstate will pay you the actual cash value of your car, minus your deductible.

Check your Allstate policy for rental reimbursement coverage details (sometimes called transportation expense coverage). Most rental coverages have a limit of 30 days but may vary depending on how you buy.

Your insurance premium may increase for a few reasons, including:

• External factors, like government regulations or an overall rise in medical or repair costs for claims.
• Your prior claims, the type of claims you’ve made and how long you’ve been with Allstate.
• The coverages, limits and deductibles you choose when you purchase or renew a policy.

Allstate offers several ways to help manage your insurance costs, including features like auto accident forgiveness and multiple policy discounts.

Review your coverages regularly to make sure they meet your needs and get help from an Allstate representative if you have any questions.

It’s possible, but we will do our best to recover the amount paid from the person responsible, including your deductible.

You can file on your own policy or go through the other driver’s. No matter who’s at fault, you’ll want to get the other driver’s insurance information, and then contact us about the accident. Allstate can try to recover costs from the other driver’s insurance company if our investigation finds them to be at fault.

It depends on the laws in your state. Some states have shared fault, while others do not. Your assigned adjuster considers several factors including the drivers and witness statements to determine fault.

You can find all your policy info after logging in to My Account. From there, you can review your coverages, policy limits and your deductible amount.

A limit is the maximum amount your policy will pay toward a covered claim. Each coverage in your insurance policy has a limit. The limit is the amount of coverage you have.

Based on your policy, a deductible is the out-of-pocket cost you’ll pay if you choose to get repairs done. This is subtracted from the amount Allstate pays for a covered claim.

Every type of claim is different and numerous factors affect how long it takes to get one resolved. Provide us with all the necessary information to help your claim process go more smoothly. An Allstate representative will provide a rough timeline for when it should be resolved.

Your vehicle is being moved to a cost-free storage facility so we can assess the damage and condition of the vehicle, without accruing any additional storage charges. This will assist us in determining if the vehicle is a total loss, and if so, what the Actual Cash Value ("ACV") is for your vehicle.

Your adjuster will reach out to you to talk about your next steps.

We calculate your vehicle’s Actual Cash Value (ACV) – which is how much your vehicle was worth just before your claim. To determine your car’s ACV, we look at a number of factors, including its age, condition, mileage and options, plus the selling price of similar vehicles in your area.

After your vehicle is deemed a total loss, our salvage partner, Copart, will reach out to you and provide instructions on how to send the title for processing.

Copart Title Express will provide detailed instructions and shipping labels, which include the address for Copart Title Express. Additionally, certain documents may be eligible for electronic signatures, eliminating the need for physical mailing.

Copart Title Express will contact your lienholder either by phone or electronically through their lender portal.

There could be several reasons why the rental may end prior to receipt of payment. Your policy will offer a detailed explanation of what your Transportation Expense or Rental Reimbursement coverage provides should your vehicle be a total loss. If you aren’t an Allstate insured, we will explain the rental process during your claim.

In most cases, Gap Insurance is purchased through either the financial institution who originally financed the vehicle or the dealership where it’s purchased. We recommend contacting the dealership where the vehicle was purchased or the lienholder for further assistance.

You may update your preferred payment method by logging into MyClaim or by contacting your adjuster.

Once your documents are received and verified by Copart Title Express, Allstate will then issue the payments according to the preferred payment method. The receipt of payment will depend on the chosen payment method.