If you think the insurance companies want whats fair for you, your outta your mind.
: Allstate Insurance Sucks : View Complaints - July 2006 : They tried screwin me over,until I got a lawyer also. Look into the Allstate helping hands for those who settle on first offer,boxing gloves for those who demand full payment lawsuit in which allstate was given the ultimatum by a judge to explain how they could deny legitimate damages on a claim to someone who was suing them,this would require them to hand over their claim denial policy. They settled the suit for the orginal amount and a significant amount in punitive damages. They tried saying I was at fault when a vehicle driven by their insured turned left into the SIDE(NOT FRONT) of my car,the woman stated in the police report she had her head down looking for her info from her wedding planner while talkin on the cell,she didn't see a car and made the left turn with her head still down. It was apparent from the fact of the damage to the car and how far I slid after impact I wasn't speeding and was going 7-13 mph UNDER the speed limit. Allstate first tried saying I was at fault for not avoiding the accident. The only way I coulda done that was swerve into a telephone pole and then again she turned into my side and never realized she was gonna hit me until Impact,then they tried getting me to agree to 50/50 responisbility,then 80/20 and nothing for my injuries,and 2k below low blue book/nada for my car which was mint and I had picture prior to prove it, with no money for mods done,new rims,full headers back exhaust,clutch,big brake kit,and some other mods I forget that were all done within 1000 miles of the accident. I got a lawyer,they kept pussy footing,seeking dismisals on random grounds,delaying a trial,and eventually wound up settling over 2 years later for more much more then I wanted in the first place,and had 2 cover my lawyers fees.
My friends GF was STOPPED AT A LIGHT behind the white stop line, a woman turned wide and hit her head on. Multiple witnessess,and the inusrance compay tried sayin that my friends gf shoulda avoided the accident and it was 50/50 fault.
The truth is unless it's a relatively minor incident and you are gonna be compensated properly,get a lawyer and fight if you can wait. The insurance companies are not on your side,nor are they intrested in being fair,they just want to drag it out as long as possible letting them hold onto the money and earn intrest/stock returns on it as long as possible,at the end of the day they are hoping you were 2 finacially ruined to continue the fight and are forced to settle for even less then their intial offer.