I’m filing a vehicle damage claim with Allstate because a portable basketball hoop fell on my truck due to the wind. The damage is minor, just some dents on the cab. I brought it to a local body shop as Allstate suggested, but can I request a cash payout instead of having it repaired? I’m located in Illinois—would that impact my options?
Allstate vehicle damage claim due to wind. Can I just get the cash instead of having it repaired?
In most cases, insurance companies like Allstate will assess the damage and provide you with an estimate for repairs. If the damage is minor and you prefer not to go through the repair process, you can certainly ask Allstate if they can provide you with a cash settlement instead.
In Illinois, insurance companies often have the option to provide a cash settlement for vehicle damage when the cost of repair is less than the total loss value of the vehicle. If you choose this option, you’ll likely need to provide documentation of the damage, like the estimate from the body shop.
It’s a good idea to communicate directly with your Allstate claims adjuster to discuss your preferences and understand the process for requesting a cash settlement. They will be able to advise you on what steps to take next.