I was insured with Allstate, I had the privilege of having a wreck while I was on their policy. I had full cover because I was paying off my car still. I got into a wreck that was my fault. I t boned someone, totalled their car, and suffered some sufficient but not major damage to my front end. When I had an adjuster assess my damages, some dunder head idiot, i found out a few things. First Allstate determines how much your car is worth from the get go, not kelley blue book or etc., they told me my car was worth about a grand less than it really was. Then they assessed the damages and of course they make that up too. I ended up fixing it myself for half of what they said it would be. Then they told me that they are going to total my car, litterally they said, because it would be cheaper for the company to total it than for us to fix it, even though, it wasn't actually a total loss. My car was in perfect condition before the wreck, now it has a salvage title. I just wanted to put in my 2 cents in, and if one person reads this and decides not to choose Allstate because of this then I will have done my job. And just for anybody else who feels anger towards these thieves, I got my revenge when I called in about 3 windshield repairs, 3 roadside tows, and the other party got payed and so did my lien holder. Up yours Allstate.