Missouri drivers are required to have minimum car insurance coverage. Liability insurance is required in the amount of $25,000 for bodily injury to one person ($50,000 per accident) and $25,000 for property damage. If a driver causes an accident, the insurance company could be liable for damages.
Numerous car insurance companies provide insurance coverage for Missouri drivers. Allstate Insurance Company is among the largest insurance providers in the county. Many drivers in Missouri have Allstate insurance coverage. Therefore, you may need to deal with Allstate after a car accident in Kansas City, MO.
Filing an Accident Claim with Allstate in Kansas City, MO
Most insurance companies have streamlined their claims process to make it easier and quicker for accident victims to file insurance claims. You can file a claim online with Allstate or call 800-255-7828. Most of the information you need to file a car accident claim can be found in the information given to you by the investigating police officer.
You should receive a claim number from Allstate that allows you to track your claim. The company also assigns an insurance adjuster to investigate your claim. The insurance adjuster determines whether the insured caused the accident and, if so, how much your damages are worth.
The adjuster works for Allstate. Even if Allstate is your insurance provider, the adjuster’s job is to protect the company from liability for claims. Therefore, it is wise to speak with a Kansas City car accident lawyer before agreeing to answer questions or provide a statement regarding the accident. The adjuster may use something you say to allege you caused the crash.
Tips for Maximizing Insurance Settlement Amounts With Allstate for Kansas City Car Accident Claims
In addition to seeking prompt legal advice to learn about your rights, other steps you can take to maximize your recovery for an Allstate car accident claim include:
Call 911 to Report a Car Accident in Kansas City, MO
Remain at the accident scene until the police complete their investigation. Do not discuss the crash with someone other than the officer investigating the crash. Give the officer the facts without making assumptions regarding fault. Admitting fault before talking with an attorney could hurt your accident claim.
Document the Accident Scene
Take photographs of the accident scene and make a video if it is safe for you to do so. Ask witnesses for their contact details. Witness testimony can support your statement regarding the cause of the crash.
Seek Immediate Medical Treatment for Your Injuries
Delays in medical treatment can hurt your personal injury claim. See a doctor as soon as possible after a car accident. Documenting your injuries is a critical step in obtaining compensation for your damages.
Document Your Damages
A car accident causes physical and emotional injuries. It also results in financial losses. Accident victims can recover compensation for all types of losses and damages. Economic damages include loss of income, out-of-pocket expenses, and medical bills. Non-economic damages include disfigurement, impairments, diminished quality of life, emotional distress, and physical pain.
You must provide proof of your damages to recover compensation for your losses. Medical records establish the type and severity of injuries. However, you need documentation proving the cost of care, including bills, invoices, and receipts.
If you cannot work after an accident, you may need a letter from your employer documenting your time out of work. You also need proof of your income and medical evidence stating your injuries prevented you from working during your recovery.
Pain and suffering are more difficult to prove. These damages are subjective, meaning they vary depending on the person and the circumstances of the case. A journal with details about your recovery can help establish the level of your suffering. For example, note your pain levels, emotional state, and activities or tasks you cannot perform.
Do I Need an Attorney for an Allstate Car Accident Claim in Kansas City?
You are not required to hire a lawyer to file a car accident claim. However, Allstate has a team of adjusters, investigators, lawyers, and other professionals working to protect the company’s best interests. None of these parties are looking out for your interests. Instead, they look for ways to deny and devalue claims.
Hiring a lawyer gives you a legal team protecting your rights. An attorney has the resources to investigate the claim and gather evidence proving the other driver caused the car wreck. They understand damages and how to calculate the correct value for your damages.
Get Help With an Allstate Car Accident Claim in Kansas City, MO From A Car Accident Lawyer at Dickerson Oxton
Insurance companies do not always treat accident victims fairly. If you’ve been injured in an accident, call Dickerson Oxton, LLC, to schedule a free consultation with an experienced Kansas City car accident lawyer. Our legal team has extensive experience representing injured parties in Allstate accident claims.
For more information, contact the Kansas City, MO personal injury law firm of Dickerson Oxton to schedule a free initial consultation.
We serve in Jackson County and its surrounding areas across Missouri:
Dickerson Oxton – Kansas City Office
1100 Main St #2550, Kansas City, MO 64105
(816) 268 1960
Hours: Monday to Friday,
from 9 am – 5 pm