Frustration with Allstate
Hi everyone, I need some advice.
I was recently in an accident where I wasn’t at fault, and the other driver was insured by Allstate. Sadly, my own insurance policy was canceled just before the accident, so I didn’t have PIP coverage. Allstate has now informed me that I’m responsible for a $7,400 medical bill, even though they’ve set aside $5,500 for future medical expenses related to the incident.
If they have these funds earmarked for medical costs, why can’t they apply them to my current bills? It feels like they’re not acting in good faith. Do you think I should consider getting legal help at this stage?
I appreciate any advice you can offer. Thank you!
It sounds like you’re in a frustrating situation, and it’s understandable to feel upset about how Allstate is handling your claim, particularly given that you were not at fault in the accident.
The allocation of funds for future medical expenses typically doesn’t cover existing bills, which can lead to confusion. Insurance companies often set aside reserves for anticipated medical costs related to the accident without applying those funds to current expenses. However, this doesn’t feel fair, especially since you shouldn’t have to bear the costs from an accident you didn’t cause.
It may be beneficial to gather all your documentation, including medical bills, accident reports, and any correspondence with Allstate. Once you have everything organized, consider reaching out to a personal injury attorney who can offer legal expertise tailored to your situation. They can help clarify your rights and might be able to negotiate with Allstate on your behalf, potentially securing a better outcome.
Seeking legal assistance can be a valuable step, especially if you feel that Allstate isn’t acting in good faith. Many attorneys offer free consultations, so it could be worthwhile to discuss your case without any immediate financial commitment. Good luck, and I hope you find a resolution soon!