I have a vehicle damage claim with Allstate due to wind. Can I opt for a cash payout instead of getting it repaired?
A portable basketball hoop blew over and landed on my truck, causing some minor dents on the cab. I already took it to a local body shop as Allstate suggested. Would it be possible to request a cash settlement from Allstate instead of going through with the repairs? I’m located in Illinois, if that matters.
In Illinois, you can typically choose to receive a cash settlement instead of having your vehicle repaired after filing a claim with your insurance company, like Allstate. However, the final decision may depend on the terms of your policy and the extent of the damage.
Since you’ve already taken your truck to a body shop as requested by Allstate, it’s a good idea to discuss your preference for a cash settlement with your claims adjuster. They will assess the damage and may provide you with an estimate for repairs, which you can use to negotiate a cash settlement.
Keep in mind that if you choose cash instead of repairs, you may not be able to claim any additional damages related to the repairs in the future. Make sure to review your policy carefully and consider any potential impact on your vehicle’s value. It’s best to get everything clarified with your adjuster to ensure you make the best decision for your situation.