Filing an Insurance Claim in Alaska
When you are injured as a result of someone else's negligence—whether in a car accident, slip and fall incident, or due to a defective product—you are entitled to receive compensation from the liable person or party's insurance company. To collect this compensation, you will need to file an insurance claim. In fact, after any type of accident or injury, you may need to file multiple insurance claims: med-pay, health insurance, third-party liability, and more.
Filing an insurance claim after an injury or accident can be a confusing and complex process. Unfortunately, the deck is nearly always stacked in favor of the insurance company. Insurance companies, like any other for-profit business, will often do everything they can to limit their losses and avoid paying out claims. At Banker Law Group, P.C., we understand that most injured individuals just want what is fair and reasonable. Our insurance lawyer in Anchorage can offer you the guidance you need. We have resolved hundreds of insurance claims and handled thousands of injury cases.
The Role of the Insurance Adjuster
Every insurance claim is assigned to an insurance adjuster. This is the person who is in charge of investigating the claim; they will work to gather information and determine the worth of your claim. The insurance adjuster will likely reach out to you and attempt to negotiate your claim.
Many people make the mistake of believing that the insurance adjuster is there to help them. In reality, nearly the opposite is true. Insurance adjusters' primary goal is to pay as little as possible. In fact, Allstate even has a training manual titled, “From Good Hands to Boxing Gloves.” Many insurance companies offer incentives and bonuses to adjusters who settle claims for less than their reasonable values.
The Role of Your Attorney
Whereas the insurance adjuster will be looking out the insurance company's best interests, your attorney will be looking out for your best interests. Your attorney's goal is to make sure that the insurance company does not take advantage of you, whether by using confusing language or failing to inform you of additional available compensation in another policy.
Some real-life examples of how we've seen insurance companies try to take advantage of injured individuals include:
- The case of a 12-year-old boy who was hit by a driver running a red light while he was riding his bicycle in a crosswalk; initially, the claim was denied when the insurance adjuster told the boy's parents that their coverage did not apply. Attorney Anthony Banker was able to help the family recover $200,000 from the insurance company.
- The case of a 54-year-old man who was hit by a distracted driver while riding in a friend's vehicle; the insurance adjuster told the man that he could only recover $50,000 and his own insurance company told him that his coverage did not apply. Banker Law Group successfully recovered $238,000 on the man's behalf.
When navigating the insurance claim process, having the skill and experience of an Anchorage insurance attorney on your side can make all the difference in receiving inadequate compensation and recovering the full amount available under the law.
Contact Banker Law Group for a Free Consultation
The most important thing you can do after suffering a serious injury is to make sure you know your rights. You have the right to take legal action, and you have the right to receive representation from a qualified attorney. At Banker Law Group, we truly care about the futures and well-being of injured Alaskans and their families.
Even if you simply need a little guidance about starting the insurance claim process, we will meet with you at absolutely no cost and with no pressure. Should you choose to entrust your case to our team, you will pay zero upfront or out-of-pocket fees. Instead, we offer our legal services on a contingency fee basis, meaning we only collect fees if and when we secure compensation for you.