How does the car insurance claims process differ for uninsured/underinsured motorist coverage with Allstate?

Being hit by another driver is a difficult situation. Learning that the person who hit you does not have auto insurance, or may not have enough, can be even worse, leaving you with questions like, “Does my car insurance cover damage caused by a driver who is uninsured or underinsured?”

If you have auto insurance with Allstate, and this situation recently happened to you, you might be thinking, “How does the car insurance claims process differ for uninsured/underinsured motorist coverage with Allstate?”

This guide covers how to file a car insurance claim with Allstate and what you need to know about Allstate uninsured/underinsured motorist (UM/UIM) coverage.

Understanding the Allstate Car Insurance Claims Process For Uninsured/Underinsured Motorists

In a perfect world, if you are hit by another driver, you will file a claim with their insurance company and receive your payment for damages.

If the person who hit you is underinsured, you should still file a claim with their insurance company. If the person does not have insurance at all, and you have uninsured motorist coverage on your Allstate policy, you should file a claim with Allstate.

You can file the claim on your Allstate account on the company website. If you have questions about the process, you can contact your agent, if you have one, to ask for help.

After you file a claim with Allstate, an insurance adjuster will reach out to you to go over the details of the accident. They can advise you if you have uninsured/underinsured motorist coverage on your policy. If you do, the claims process will proceed as normal.

The adjuster will assess the damage to your vehicle and then conduct an investigation. Eventually, you will receive a check for the amount of the repairs, minus your car insurance deductibles.

Read more: What information do I need to file a car insurance claim with Allstate?

How Uninsured/Underinsured Motorist Coverage Differs With Allstate

As its name implies, uninsured motorist insurance (UM) will protect you if your car is hit by another driver who does not have liability insurance.

Underinsured motorist coverage (UIM) helps pay for damages when you are in a car accident with a driver who was at fault but does not have enough coverage on their policy to pay for all of the damages.

Some states include one or both of these coverages as part of their car insurance requirements, so you might already have them. If you are not sure, it may be worth calling Allstate customer service to inquire if you have it and then add it to your policy if not.

What Happens When You Don’t Have Allstate Uninsured/Underinsured Motorist Coverage

If you do not have uninsured motorist coverage on your Allstate insurance policy, you should still file the claim. The insurance company should still launch an investigation and see if it can help you.

Unfortunately, without this type of coverage on your auto insurance policy, you might have to pay for your damages or sue the uninsured driver, which can be very costly and stressful.

How the Car Insurance Claims Process May Differ For Uninsured/Underinsured Motorist Coverage With Allstate

It is very distressing to be involved in a car accident that was not your fault. Finding out that the person who hit you doesn’t have auto insurance or was driving without adequate car insurance coverage can be even worse.

It is best to start the claim with the other driver’s auto insurance company if they have one. If not, you should start the claims process with Allstate. If you have Allstate uninsured motorist coverage on your policy, the claim should proceed like any other.