Thousands of Americans are seriously injured in motor vehicle accidents every year. In the past, attorneys representing injured persons have been able to settle with the insurance company of the at-fault driver without the added expense of a jury trial.

Most car accident cases involve “soft tissue” injuries, sometimes called “connective tissue” injuries. In these accidents, the injured person has sustained no broken bones or other injury observable on X-ray or similar objective testing protocol. Nevertheless, these injuries to muscles and tendons can be quite painful and disabling. However, over the last few decades many insurance companies have decided that their claims adjusters have been paying injured people too much money for these injuries. In response, they have implemented computer programs which, in theory, produce a “fair value” for all soft tissue injury cases, based upon the adjuster inputting into a computer such data as length of treatment, diagnostic codes provided by physicians, symptoms reported in physician chart notes, and length of treatment.

Colossus is the program used by Allstate. However, most insurance companies have implemented similar computer programs. The following is merely a list of some of Allstate’s subsidiary insurance companies:

Company Name
ALFS, Inc.
ALIC Reinsurance Company
Allstate Assignment Company
Allstate Assurance Company
Allstate Bank
Allstate County Mutual Insurance Company
Allstate Distributors, L.L.C.
Allstate Financial Advisors, LLC
Allstate Financial Corporation
Allstate Financial Services, LLC
Allstate Financial, LLC
Allstate Fire and Casualty Insurance Company
Allstate Floridian Indemnity Company
Allstate Floridian Insurance Company
Allstate Indemnity Company
Allstate Insurance Company
Allstate Insurance Company of Canada
Allstate International Insurance Holdings, Inc.
Allstate Investment Management Company
Allstate Investments, LLC
Allstate Life Insurance Company
Allstate Life Insurance Company of Canada
Allstate Life Insurance Company of New York
Allstate Motor Club, Inc.
Allstate New Jersey Insurance Company
Allstate New Jersey Property and Casualty Insurance Company
Allstate Non-Insurance Holdings, Inc.
Allstate North American Insurance Company
Allstate Property and Casualty Insurance Company
Allstate Reinsurance Ltd.
Allstate Settlement Corporation
Allstate Texas Lloyd’s
Allstate Texas Lloyd’s, Inc.
American Heritage Life Insurance Company
American Heritage Life Investment Corporation
American Heritage Service Company
Charter National Life Insurance Company
Concord Heritage Life Insurance Company, Inc.
Deerbrook General Agency, Inc.
Deerbrook Insurance Company
E.R.J. Insurance Group, Inc.
Encompass Floridian Indemnity Company
Encompass Floridian Insurance Company
Encompass Home and Auto Insurance Company
Encompass Indemnity Company
Encompass Independent Insurance Company
Encompass Insurance Company
Encompass Insurance Company of America
Encompass Insurance Company of Massachusetts
Encompass Insurance Company of New Jersey
Encompass Property and Casualty Company
Encompass Property and Casualty Insurance Company of New Jersey
First Colonial Insurance Company
Intramerica Life Insurance Company
Ivantage Select Agency, Inc.
Kennett Capital, Inc.
Keystone State Life Insurance Company
Lincoln Benefit Life Company
Northbrook Holdings, LLC
Northbrook Indemnity Company
Northbrook Services, Inc.
Northbrook Technology of Northern Ireland, Limited
Pafco Insurance Company
Pembridge America, Inc.
Pembridge Insurance Company
Roadway Protection Auto Club, Inc.
Sterling Collision Centers, Inc.
Surety Life Insurance Company
Tech-Cor, LLC

Meanwhile, Allstate’s profits have soared after implementing Colossus.

A car accident victim with soft tissue injuries may not receive adequate financial compensation for her injuries unless she hires an attorney Couer d’Alene trusts willing to turn down low-ball settlement offers and take the case to trial before a jury.


Thanks to our friends and contributors from The Bendell Law Firm PLLC for their insight into how colossus computer programs can torpedo your personal injury case.