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

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. 

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