Allstate is an insurance company that provides various types of coverage for its customers, including automobile insurance. It is required to drive with insurance in California with a minimum of $15,000 of coverage in bodily injury, $30,000 of coverage in bodily injury to two or more people, and $5,000 coverage in property damage. These basic numbers provide a small amount of protection to individuals involved in accidents. However, not every accident is simple with a clear error by one driver or the fault of another. In some cases, you may be involved in a hit and run accident in which the other driver speeds off. In such scenarios, you may be able to seek compensation from Allstate. If there are issues and you have trouble acquiring your rightful payout, contact the Downtown LA Law Group today for assistance.
Hit and Run Accident Information
Hit and run accidents are accidents in which the driver flees the scene. They usually do not happen in places where they can be easily identified or where they are able to get caught without much trouble. The majority of hit and run accidents happen at night when the streets are empty and there are few witnesses around. Many hit and run accidents also occur in parking lots when people are simply trying to leave stores. The drivers may get into the accident and suddenly leave because they do not want to deal with the aftermath. It is also very possible that the drivers did not have any insurance – it is roughly estimated that 13% of drivers on the road do not carry valid auto insurance. By fleeing the scene, they believe that they will not have to face charges from the police for driving without insurance and they will not have to pay for any damages they caused.
Some of the most common injuries occurring from hit and run accidents include:
- Traumatic brain injuries
- Closed head injuries
- Broken bones
- Internal organ damage
- Nerve damage
- Facial injuries
- Torn muscles
- Knee and hip injuries
- Spinal cord damage
- Herniated discs
- Severed limbs and digits
A huge problem that can occur with hit and run accidents is that the victim may have a serious injury that only worsen because he was not immediately attended to. The driver who fled the scene may not have called an ambulance or done anything to help. In the worst cases, such as in pedestrian hit and run accidents, this can easily result in death.
How do I get coverage for a hit and run accident?
Coverage for a hit and run accident will fall under uninsured motorist coverage. This is a type of insurance coverage that can be added to your claim. It generally falls into two categories – coverage for bodily injury and coverage for property damage. In some policies, it is automatically included. It allows you to receive compensation from Allstate if the opposing driver has no insurance. Hit and run accidents are treated in the same manner; the driver is not present, so there is no insurance company that can be targeted and solicited for compensation.
The other alternative is personal injury protection, which is coverage that is no-fault. That is, you will receive compensation regardless of the circumstances, even if the incident were not a hit and run. This may be a viable alternative to uninsured motorist coverage.
Can Allstate cover my property damage to my vehicle if I was in a hit and run accident?
Allstate does offer uninsured motorist property damage coverage in some states, but it often comes with a deductible. The deductible is the amount you pay before the insurance coverage kicks in. The policy will allow you to repair your vehicle after the incident.
Does Allstate car insurance cover medical costs if I was involved in a hit and run accident?
Uninsured motorist bodily injury coverage allows you to recover losses of various types. The important point to understand is that there is no deductible for uninsured motorist bodily injury coverage. It can be wise to have this insurance on your policy to supplement your normal health care plan, as it may be cheaper in the long run.
The policy may also reimburse you for lost wages if you were unable to return to work because of the injuries. This is a worthwhile investment; your health care will not provide you with such compensation.
It is not required to carry uninsured motorist bodily injury coverage, but it can allow you to escape hit and run accidents without having to owe too much. Allstate could cover all of your medical costs and other damages if you were hurt in the incident.
How can I pursue a hit and run claim with Allstate?
In order to pursue compensation from Allstate after a hit and run accident, you will need to secure evidence. After an accident, one of the main steps is to collect the other driver’s contact details and insurance information. Because this isn’t possible, you will have to rely on other proof.
It is extremely important that you go to the doctor to get treatment. If you do not go to the doctor immediately after the accident, you may not be able to recover anything at all. The insurance agent at Allstate can say that the timeline between the two events was entirely too long, and he may doubt the validity of your injuries and your claim. Further, if you wait too long to go get treatment, you risk worsening your injuries. A lack of medical treatment can cause bones to settle wrong or muscle damage to worsen over time.
While at the doctor’s office, you should get copies of your medical records, receipts from the treatment, doctor’s notes, test results, and more. It will prove the extent of the procedures you received.
You will need proof of the incident, so take pictures of your injuries, the damage done to your vehicle, the scene of the accident, and more. It may be possible for you to get security footage; for instance, if you were in a gated parking lot, the company may have surveillance tapes running at all times. You could also have a dashboard camera mounted that records while you drive. If neither tape shows adequate identifying information, you will at least have proof that you were not at fault and that you were actually in an accident.
There may have also been eyewitnesses who saw the hit and run happen. You can ask them to provide you with their statements and testimonies so that you will not be the sole witness in your claim. It is always beneficial if you have more people supporting you.
You should file a police report if possible. This will allow the police to look for a vehicle matching the car’s description. You can then request a copy of the police report once it has been finalized at the station.
After you have gathered your evidence, you will be able to submit the demand letter to Allstate. However, it is likely that you will face backlash or refusal from the insurance agent. This is not uncommon, but you should not let it deter you. Instead, you can hire a hit and run accident lawyer to help you with your claim. We will make sure that Allstate covers you for what it promises in its policy and you can work on recovering from your injuries.
How long do I have to sue Allstate for a hit and run accident?
If you intend to sue Allstate for damages from a hit and run accident, you will only have 2 years from the date of the injury to do so. Failure to file a claim will result in your inability to collect future compensation. It is important that you act quickly so that your evidence is kept intact and so that you are not at risk for missing deadlines.
The primary reason that many individuals fail to receive compensation is due to missed statutes of limitations. They may not know how long they have left and may simply wait too many months to sue. If you speak with a lawyer, you won’t run the risk of missing out on your worthwhile compensation. We’ll ensure that you receive your proper medical bills, lost income, pain and suffering damages, wrongful death expenses, lost property, and more.
Our Promise to You
The Downtown LA Law Group is one of the most respected firms in Los Angeles. We have years of experience handling hit and run accident claims and we will not hesitate to aggressively fight for every penny you deserve. Our lawyers are willing to go to all lengths to win your settlement, even if we must go to court to defend your rights in front of a judge.
For a free legal consultation to discuss your case, call our law offices today. We’ll tell you how Allstate operates in these types of claims and what you can expect moving forward. We’ll also give you more details on our zero fee guarantee, which says that you won’t have to spend any money on your case. We will get paid only if we win, and if we lose, we take no payment. Your finances will never be touched.
Don’t hesitate to call the Downtown LA Law Group today if you need to sue Allstate for damages from a hit and run accident.