I Have Been In A car Accident and the Insurance not want to pay All-State Insurance?

Question

Bodily injury / Which My Leg was Broken into three parts above my knee and below my hip.

I have been in bed for the atlist more than three months.

And The only thing ALL-STATE Insurance Could do for me is give me five thousand dollars and tell me to shut up.

Thru out my hilling proces the Bills it self was way over 80 grand.

Now not only I have a very BIG Hospital Bill.
But I have bills on my own living status.

What Am I sappose to do.
Needing Help with your thoughts.

Answer 1

You left out a lot of information, so no one here can provide you any useful "thoughts".

You need to provide more information like the type of policy you have and its limits, who is at fault for your accident, are you insured by allstate, does the other driver have insurance, did you have a lawyer representing you, etc.

If your insurance has a 15/30 limit, the max your insurance is going to pay you is 30 for everything in your accident including all parties involved payouts, laywer and doctor's fees,etc. don't expect 80.

Answer 2

Unfortunately this isn't atypical for Allstate. They try their best to get out of paying what they owe. Is your policy with them, or is it the other driver? If it's the other driver and you have a different insurance company, then your agent should be able to help you. If it's your policy, lotsa luck. What kind of excuse do they give for not even paying the bills? You could file a complaint with the state insurance commission. You might have to contact an attorney to get reasonable compensation - unfortunately that will mean that the attorney will get a large cut, but if they're only offering $5K on a claim that's $80K+, it might be worth it - even for Allstate, that's a stretch!

I've had two accidents with Allstate-insured drivers, and my son had one, all where their insured was clearly at fault - in one, my car was legally parked at the time it was hit. They played games in all three claims. There are a couple websites with a lot of Allstate horror stories.

Answer 3

Is Allstate your company? If so, what is your medical payments limit, is it only $5,000? If so, that is all they are obligated to pay, that is all you purchased. You should be going to your health insurance for the rest, I am sure that Allstate can give you a letter that your medical payments limit was used.
Was the accident your fault? If so, this is all you will get, again you have to go to your health insurance for the rest, and disability (if you have it) for you income to pay your regular bills.
Was the accident the other party's fault? If so, you should be on the phone with the other insurance company & tell them to open a bodily injury claim. They should offer you some kind of settlement, once you are done being treated, up to the other party's bodily injury limits. If they had 15,000/30,000, you will only get $15,000 maximum for your injuries, not $30,000 like another poster said, $15,000 is the max per person limit in this case & you are only one person. If it was the other party's fault AND the other party was not insured or had minimum or low limits (lower than your limits), you can go to your uninsured/underinsured motorist bodily injury. This is your coverage for you. Hopefully you purchased high liability & uninsured motorists limits. If so, you will need to put your company on notice of this.
I wish you the best in your recovery.

Answer 4

so sorry. Contact an attorney or legal aid service and try and sue Allstate also if u were hit by another car try suing them. Also each state has an insurance board/commision that you could try and find on ur state's website that maybe able to help you
Also contact ssi and or ur state service to see about getting disability benefits since u can't work for now. Also if u don't have medical insurance hospital social worker maybe able to get u medicaid and bill retroactively so check that out. I hope and pray at least some of this comes thru for u

Answer 5

IFAllstate accepted liability, then your hospital should have their info on record to bill. Keep in mind that these companies are "waiting" for the lawsuit that you will be filing for "pain & suffering". I just hope dude had enough coverage because it sounds like you'll max the limit out.
You might want to get a "free" consultation from an injury lawyer and see what they have to say. Good Luck and God Speed.

Answer 6

Did you sign anything? I don't know all the legal stuff involved with things, but if you signed the check or a form of some kind you may have waived your right to sue or get a higher amount from them. I would talk to a lawyer about your policy and the laws involved.

Answer 7

Did you go through a lawyer? If not, that's what you need do or maybe try a different lawyer if you already have one.