Allstate Accident Insurance: coverage, claims, reviews, benefits and contact details

Allstate stands out as a major and widely recognized insurance provider in the United States, offering a range of products, including accident insurance.

This type of coverage acts as a supplemental shield, assisting in covering medical expenses and other unforeseen costs resulting from accidental injuries, irrespective of fault.

Our exploration will delve into the key features, advantages, claims procedure, and customer feedback regarding Allstate’s accident insurance.

Allstate Accident Insurance coverage

  • Covered Injuries and Services:
    • Covers a range of injuries: fractures, dislocations, lacerations, burns, concussions, etc.
    • Includes services like ambulance, hospitalization, physical therapy, and surgery.
    • Offers a lump sum benefit for accidental death or dismemberment.
  • Accessibility and Enrollment:
    • Available for individuals, families, or groups, purchasable through an employer or directly from Allstate.
    • Guaranteed issue at initial enrollment, with pre-existing condition limitations if applicable.
  • Policy Details:
    • No waiting period, and coverage can be continued as long as premiums are paid.
    • Optional riders, such as outpatient physician’s benefit, providing a daily benefit for non-hospital doctor visits.
  • Premiums and Benefits:
    • Benefits and premiums vary based on coverage level, policyholder’s age, occupation, and state of residence.
    • Example: A 35-year-old in California may receive a quote for coverage including $800 for hospital admission, $200 per day for hospital stay, $100 for emergency room visits, and $100,000 for accidental death, with a monthly premium of $15.17.
  • Policy Limits:
    • Maximum benefit period of 52 weeks.
    • Maximum benefit amount of $10,000 per accident.

Personal Accident Insurance

Disability income insurance: If you’re unable to work due to an accident or illness, this insurance steps in with a monthly payout. The benefit, typically a percentage of your pre-disability income, lasts from a few months to a lifetime.

Uninsured motorist coverage: This insurance, part of auto policies, covers medical expenses and property damage if you’re in a car accident caused by an underinsured or uninsured driver.

Medical payments coverage: This auto insurance component covers medical expenses for the policyholder and passengers, regardless of fault in a car accident.

Life insurance: Life insurance provides a lump sum benefit to the beneficiary if the policyholder passes away, irrespective of the cause, including accidents. It comes in term or permanent forms, obtainable individually or through an employer. 

An image illustration of Allstate accident insurance
Allstate accident insurance
Caption; Freepik

Allstate Accident Insurance benefits

Supplementing the existing health insurance coverage and helping pay for deductibles, copays, coinsurance, and other out-of-pocket expenses that may not be covered by the primary medical plan.

Providing cash benefits that can be used for any purpose, such as paying for household bills, mortgage or rent, childcare, transportation, or other living expenses that may be affected by the loss of income due to an accident.

Offering peace of mind and financial security in case of an unexpected and costly accident, and allowing the policyholder to focus on recovery and healing without worrying about the financial impact.

Giving flexibility and choice in selecting the level of coverage, the benefit amount, the premium payment, and the optional riders that suit the policyholder’s needs and budget.

Being easy to apply, claim, and renew, with no medical exam required, no waiting period, and no spending restrictions.

Allstate Accident Insurance claims process

Claim status: Easily check your claim status online, by phone, mail, or the Allstate app. Just provide your policy number, personal and accident details, along with supporting documents.

Stay informed with updates and notifications from Allstate. Once approved, expect benefits paid directly to you or your beneficiary in about 10 business days.

Required documents for claims: Submit required documents based on your claimed injury and benefit. For a fracture benefit, include an itemized billing statement and a radiology report.

If claiming accidental death benefit, provide a certified copy of the death certificate. Find a detailed document list on the Allstate website.

Average claim approval time: The time it takes to approve your claim depends on the complexity and severity of your case, as well as the availability and accuracy of the information and documents you provide.

Allstate will review your claim and verify your eligibility and coverage. Allstate will also contact you if they need any additional information or clarification.

Generally, you can expect to receive a decision within a few weeks, but some cases may take longer.

Allstate Accident Insurance reviews

Allstate accident insurance reviews are a mix, with customers praising coverage and the claims process but complaining about rates and customer service.

The Better Business Bureau gives an A+ but only 1.12 out of 5 stars, with 2,899 complaints in three years. ConsumerAffairs rates it 3.9 out of 5 stars based on 1,225 ratings, but opinions vary.

Trustpilot awards 1.4 out of 5 stars, with 69 complaints mentioning poor communication and denied claims. Some appreciate friendly service, while others express dissatisfaction with high premiums and claims delays.

Representatives and intermediaries

Local agent listings: Easily connect with a nearby Allstate insurance agent using the Allstate agent locator tool. Just input your ZIP code, city, or state, and you’ll receive a list of agents with their contact details.

Explore options such as getting a free quote, comparing policies, or requesting a call from an agent. Access the agent locator tool here.

Agent qualifications and reviews: Allstate agents are more than just licensed professionals; they are dedicated experts ready to assist with your insurance requirements.

Receive personalized advice, have your questions answered, and enjoy top-notch customer service from these trained professionals. Check out reviews and ratings from fellow customers who’ve collaborated with Allstate agents to gauge their experiences.

Broker partnerships: At Allstate, they recognize that everyone’s insurance needs are unique. That’s why they work with independent brokers who offer a variety of insurance products and services from different providers, Allstate included.

These brokers can help you compare and shop for the best coverage and price for your situation. Allstate has a network of over 50,000 broker partners who can assist you with your insurance needs.

You can learn more about Allstate’s broker partnerships [link to Allstate’s broker partnerships].

Contact details

CategoryContact Information
Phone Number1-800-ALLSTATE (1-800-255-7828) – Available 24/7
Local Allstate agent’s number can be found using the agent locator tool
AddressAllstate Insurance Company
PO Box 660636
Dallas, TX 75266
Local Allstate agent’s address can be found using the agent locator tool
Customer Service– Phone, Chat, Email, Twitter
– Allstate Mobile App or My Account Portal for policy management
More details on how to contact Allstate can be found here
Policy Details– View online through My Account or Allstate Mobile App
– Request a copy of policy contract by state
Learn more about Allstate accident insurance benefits
Email Address– Customer service: Contact Us Form
– Local Allstate agent: Found on the agent locator tool
– Allstate Digital Life policy:
Fax Number1-866-424-8482 – Include name, policy number, and claim number on each page
Documents can also be uploaded online or through the Allstate Mobile App
Operating Hours– Customer service: 24/7 by phone or chat
– Local Allstate agent: Check hours using agent locator tool


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