Car Accident
by Agnieszka Lozano Ramirez on Oct 16, 2023
2.3 out of 5 stars
Learn from my mistake - AVOID Allstate! In September 2019, I decided to research for an auto insurance provider offering a better rate. After speaking with 6 different providers, I settled with Allstate. However, DO NOT be fooled by their marketing. I got hit by a Dodge Caravan, on June 12th, 2020 after performing a left turn. The driver was driving way past a 30km limit, in a construction zone. Had he respected his speed limit, AND kept his right lane, this accident could have been avoided (I am convinced he passed a red light). My rear driver door was completely smashed in, but all he got was minor bumper damage on his right side. Yet, Allstate, declared me 100% responsible. In my 20+ years of driving, with only no-fault accidents, and having worked as a driving instructor, I am appalled. The driver who hit me was not only responsible but he was rude and he omitted important information on the Joint Accident Report. It's ridiculous that an insurance company won't consider the action of this reckless driver, especially considering a lack of character by not fully completing a document. To make matters worse, my long-term garage was not part of their Authorized Dealers. I found this extremely odd as every other insurance company ALWAYS referred me to them. Due to this, I received a cheque in the mail (minus my deductible) prior to even getting my car back!!! Who mails out a cheque when the work has not been completed? A savings of $5/mth has resulted in unnecessary stress and time working on contesting an accident that was clearly not my fault. Now I am out-of-pocket of a $500 deductible and a premium increase. All the while, Mr. White Dodge, continues to drive recklessly since he omitted his insurance company name and driver's licence on the report. Note to self: if your instinct tells you something is wrong, call the cops! FYI: I will be contesting this Allstate decision.
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We had a very easy to process car accident, not our fault and we had a video of the whole situation from the dash camera. The agents that pick up the phone are great, I would give 5 stars in this category as they are the only reason our claim got settled. The adjustor however; well, let me just say we have not the pleasure to even speak to her through out the process! She never picked up the phone, nor did she call as back. Very disappointing and begs the question. If Allstate have such a great claim customer service team, why do they need to pay an adjustor who doesn't even pick up the phone? This is the only reason why we haven't rated Allstate 5 stars.