Alpert Schreyer Personal Injury Lawyers | November 18, 2025 | Car Accident
When people buy insurance, they expect protection during life’s most stressful moments. Many Allstate policyholders say they experience the opposite. The company is frequently criticized for slow responses, low settlement offers, and claims practices that leave customers feeling unprotected.
Although every case is different, consumer trends show that Allstate consistently ranks among the most difficult insurers to deal with. Understanding these issues can help Maryland consumers make informed decisions about their coverage and what to expect when filing a claim.
Why Many Consumers Call Allstate the Worst Insurance Company
Allstate has millions of policyholders across the country, including Maryland residents who rely on the company for auto, home, and renters insurance. Yet, over the years, Allstate has faced repeated criticism from consumer watchdog groups for its claims handling practices.
Here are some recurring issues Allstate policyholders may face.
1. Slow or Frustrating Claims Process
One of the biggest complaints you will hear from customers is that Allstate makes the claims process unnecessarily difficult. Many policyholders say they waited weeks or even months for updates.
In situations where quick action is required, such delays can lead to added stress and financial hardship. Maryland insurance regulations require insurers to acknowledge and act on claims within a reasonable time.
Even so, consumers frequently allege that Allstate pushes the limits of what is considered reasonable.
2. Low Settlement Offers
Many consumers also report receiving settlement offers far below what they need to cover repairs, medical bills, or lost wages. This is especially common in auto accidents. Allstate is widely known for using aggressive settlement strategies that prioritize saving the company money instead of providing fair compensation.
While every insurer wants to reduce its payout, the size of the gap between real expenses and Allstate’s offers often shocks consumers.
3. High-Pressure Negotiations
Some claimants say they felt pressured to accept quick, low offers before they fully understood the extent of their injuries or property damage. The company sometimes emphasizes quick settlements, which may appeal to someone who needs money right away, but often leaves victims with long-term financial strain.
Maryland follows a fault-based system for auto accidents, meaning the at-fault driver’s insurance company must pay for losses. Under Maryland law, drivers must carry minimum liability coverage, but minimal limits combined with unfair negotiation tactics can cause real challenges for injured victims.
4. Denial of Claims Without Clear Explanation
Another common concern is the denial of legitimate claims or partial denials with vague explanations. Consumers frequently report receiving confusing or contradictory letters that do not clearly explain why the claim was denied.
This lack of clarity forces consumers to spend additional time calling adjusters, asking questions, and trying to understand what went wrong.
Signs That an Insurance Company May Be Working Against You
While every claim is different, Maryland consumers often report similar warning signs when dealing with Allstate, including:
- Long gaps in communication with no updates or returned calls
- Quick settlement offers made before the full extent of injuries or damage is known
- Repeated requests for the same documents
- Denials without clear explanations
Recognizing these warning signs early can help policyholders protect themselves and avoid costly mistakes.
What To Do if Allstate Delays or Denies Your Claim
If Allstate drags out the process or denies your claim without a clear explanation, there are steps you can take to protect your rights. You should:
- Document every interaction: Keep detailed records of calls, emails, letters, and adjuster names. This documentation becomes important if disputes arise or if you need to show a pattern of delays.
- Request a written explanation: If your claim is denied or stalled, ask Allstate for a written, specific explanation. Maryland law requires insurers to clearly identify the reasons for a denial.
- Follow up consistently: Do not wait weeks for updates. Regular follow-ups can prevent your claim from being overlooked and signal that you are closely tracking the process.
- Get independent estimates or medical opinions: If you believe Allstate is undervaluing your claim, obtain your own repair estimate or medical evaluation. Independent documentation helps counter low settlement offers.
- File a complaint with the Maryland Insurance Administration (MIA): Consumers can report alleged unfair practices, delays, or unclear denials. The MIA can review your complaint and require a response from the insurer.
- Speak with a personal injury lawyer: An attorney can handle communication with Allstate, push back against low offers, and identify when the company’s conduct may violate Maryland’s insurance rules.
Taking these steps early helps level the playing field and ensures Allstate treats your claim with the seriousness it deserves.
Understanding Allstate’s Consumer Reputation
Allstate’s reputation as one of the worst insurance companies for consumers comes from years of complaints about delays, low settlement offers, high-pressure tactics, and unclear denials. Maryland residents who understand these challenges are better prepared to navigate the claims process and advocate for a fair outcome.
Knowing what to expect—and recognizing red flags early—can make a significant difference when dealing with a difficult insurer. If you need help dealing with Allstate, contact Alpert Schreyer Personal Injury Lawyers today. We offer a free consultation with a Maryland car accident attorney.
For more information, please contact Alpert Schreyer Personal Injury Lawyers to schedule a confidential consultation with a personal injury lawyer. Our team is available to assist clients in Lanham, Frederick, Rockville, Waldorf, Annapolis, and Lexington Park, Maryland.
We proudly serve Charles County, Prince George’s County, and its surrounding areas. Visit our law offices at:
Alpert Schreyer Personal Injury Lawyers – Waldorf Office
8 Post Office Rd Waldorf, MD 20602
(301) 932-9997
Available 24/7
Alpert Schreyer Personal Injury Lawyers – Lanham Office
4600 Forbes Blvd Ste #200 Lanham, MD 20706
(301) 936-0011
Available 24/7