Innovation is critical to ensuring that our business successfully maneuvers the rapid global advances in business and information technology. By continuing to drive toward new product offerings and higher service efficiency, we maintain the trust of our valued customers and fulfill our promise to help them through life’s uncertainties.

What Innovation Means at Allstate

We are building new, competitive and disruptive service offerings and products as we continue to increase our focus on technology and our digital transformation. We are committed to innovation in design, production and management of goods and services.


When something unexpected interrupts the lives of our customers, we use technology, data and analytics to restore normalcy as quickly as possible by delivering compassionate service that is fast, fair and easy.

Our customers increasingly expect quick, seamless digital interactions, so we are setting a new standard for even faster and easier claim handling while maintaining quality and accuracy. We take advantage of emerging technologies and advanced data analytics capabilities to better meet the needs of customers and make us more efficient. Digital advances in financial services now make it possible to receive payment in seconds – instead of the seven to nine days it took just one year ago with paper checks.
Allstate is committed to creating a truly differentiated claim experience for customers by leading our industry in digital transformation with an operating model. As part of our digital transformation, we organize around an operating model that follows a Design, Perform, Measure structure. We design digital capabilities to achieve our customer experience goals, perform consistently across all locations and measure our outcomes to adjust where needed.

On Demand

Allstate is expanding our capability to estimate auto and property damage on demand and in real time.

QuickFoto® Claim
QuickFoto® Claim is revolutionizing our claim model for cars that have damage but are still drivable. The free, user-friendly app allows a customer to take photos of the car’s damage and submit them directly to our team of highly trained auto technicians who can remotely calculate the estimated damage. There is no need to schedule an appointment or take the car in for a physical inspection. Customers typically receive their estimate in a matter of hours, compared to five days with our traditional process.

Drivable vehicle damage estimated using QuickFoto® Claim

Virtual AssistSM
We’re broadening our offerings for assessing claims using photos and real-time video consultations, creating an increasingly on-demand service experience for customers and service partners. Our live video feature – available in the free, user-friendly Virtual AssistSM app – automatically routes customers to the right Allstate service provider. The Virtual AssistSM App was developed by Arity, an Allstate family company, and is helping to advance service experiences industrywide by making virtual estimating technology available to anyone. Our use of on-demand, real-time live video interactions expanded in 2017 and continues to grow in 2018.

Supplemental vehicle damage estimated using Arity’s real-time streaming video, Virtual AssistSM

Aerial Imaging
Allstate has been one of the leaders in aerial imaging research. We use images taken by drones, piloted airplanes or satellites to better meet the needs of our customers and make our employees safer. For example, an adjuster can look at high-resolution photos taken by drones and zoom in on the damage, rather than climbing on a customer’s roof, to deliver a safer, faster claim experience. In 2017, we used aerial imaging to quickly evaluate and identify covered damage to homes and cars after hurricanes Harvey and Irma and also after the numerous wildfires in the Western United States. In some cases, we notified homeowners and opened claims before they were even aware of the damage.

Digital Payments

Allstate provides customers and agents with faster access to claim payment funds.

Quick Card Pay
Allstate now offers one of the fastest payment methods in the industry. Our market-leading Quick Card Pay provides a nearly instantaneous payment to customers and claimants anytime, anywhere in the United States. Instead of waiting up to a week to receive a paper check in the mail, customers can get a claim payment from Allstate in real time.

Digital/electronic claim payment transactions

Digital Self-Service

Allstate offers customers and agents more control over the claim experience.

Customers have 24/7 access to claim information from any device through MyClaim Center, a new interface within MyAccount and the Allstate mobile app. Using MyClaim, customers can report a claim, check their claim status, get details about or schedule inspections and access information about coverage, deductibles and rental reservations, as well as select their payment preference, communicate with us digitally and more.

These advances improve our digital experience – giving Allstate a strategic advantage in the industry by offering our customers a seamless, helpful and personal interaction with the company, even during some of the most uncertain times in their lives.


We are dedicated to ensuring we have products and experiences that meet evolving customer expectations, needs and market conditions.


Telematics is the science of collecting data through sensors in the vehicle, which enables us to redefine the experience of insurance. Drivewise uses telematics to personalize the auto experience and provide consumers insights into their behaviors to promote and reward safe driving. Drivewise is available in 49 states and the District of Columbia; Allstate was the first major U.S. insurer to bring to market a mobile app to collect data for a telematics-driven insurance program.


Pay-per-mile coverage is a new kind of auto insurance based primarily on the miles a customer drives. Consumers today are accustomed to personalized products or services that give them more control over cost and usage, and we’re staying on top of this trend. Milewise, Allstate’s pay-per-mile auto insurance, is available in Texas and Oregon, and will expand into more states in the coming year. Milewise gives customers more control over their auto insurance costs with the same great coverage and claim service from Allstate.

Ride for Hire® and HostAdvantageSM

With the rapid growth of consumers using personal cars and homes to participate in the sharing economy, Allstate moved quickly to provide coverage options that address their needs:

  • Ride for Hire® provides Allstate customers driving for transportation network companies, like Uber and Lyft, an optional endorsement to help fill the gap between their personal auto policy coverage and what’s provided by the Transportation Network Company’s commercial policy.
  • Host AdvantageSM provides Allstate customers renting out their homes on sites like Airbnb and HomeAway coverage options to help with their personal property protection gaps.

Highlight Stories
Allstate’s Zero Waste Zone
Investing in the Land
American Municipal Power, Ohio
Nashville Water and Sewer
Big Data and Innovation
Allstate Supplier Diversity Mentoring Program
Impact Community Capital
The Perspectives Charter Schools and Allstate Partnership
Lurie Children’s Hospital
American Municipal Power, Ohio
Providing Opportunities for Veterans
Allstate Good Life Sprint and Stride 5K Walk/Run
Security Awareness Campaign
The Perspectives Charter Schools and Allstate Partnership
Training Domestic Violence Counselors
Privacy Awareness Campaign
Building the Cybersecurity Workforce of the Future
2017 Renewal Award Winner - Lost Boyz
Allstate’s Hurricane Florence Response
Supporting State and Regional Domestic Violence Coalitions and Service
Lurie Children’s Hospital
Free Financial Management Curriculum for Survivors
Allstate’s California Wildfire Response
Allstate’s National Catastrophe Team
Lost Purse Short Film
Recognized as Being an Employer of Choice for Veterans and Military Families
Big Data and Innovation