Its not just Allstate! Insurance is a multibillion $ industry that owns our politicians. The insurance companies are constantly changing strategies to stay ahead of us. example, your the claimant, the other parties insurance wont pay, so you go to yours. They pay a lower percent, and you pay deductable. lets just use a $500 deductable, say 100 claims are settled this way a week, from coast to coast. thats 2.6 million annually! wake up!!