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Auto Insurance Claims/Pedestrian Accident in a Crosswalk

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Question
Recently, I was sideswiped by a pickup truck rearview mirror, as I was in a pedestrian crosswalk. The truck was making a left hand turn and struck my left shoulder and the rearview mirror was torned from the truck and fell to the ground, as I crossed the street in the crosswalk. The 86 year old driver said that he did not see me. I did not call the police because he offered to take me to the ER and stayed with me 5 hours. The 86 year old driver report the accident to Allstate and they are taking full responsibility, 100%

So far I have seen a chiropractor and in the process of seeing other doctors for lower back pain & a stiff neck.

I do not plan to hire an attorney, hoping I can settle this on my own. I am 57 year old and live outside of Atlanta GA. Allstate sent me a letter to inform me that they use a computer called Colossus.  What are my chances of a fair settlement without going to court.

Answer
There is quite a bit of controversy about the computer program Allstate uses known as Colossus.  The program will deter ine the value of your claim.  Is it fair?  This is a matter of opinion.  Personally I think insurers should have people with expertise determine claim values.  Allstate thinks differently.  Until you get an offer, you won't know if it is fair.  

Once you settle, the claim will be over.  You'll be expected to sign a full and final release.  So you want to be sure before you accept an offer.  I'd be happy to review the offer when you get it.

Auto Insurance Claims

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Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 20 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

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