If you've been involved in an incident in or around Anchorage in which another's negligence caused you injury, your first focus needs to be on getting better. Another objective – one that can be harder to reach – is being confident that you don't get caught in a monetary quagmire that leaves you and your family financially disabled. Your body's natural healing power and medicine can help with the first goal. The second can be more difficult.
After an injury, the first inclination of most people is to think that full compensation of all tangible damage to body and property will happen through an insurance claim. The problem this raises is that most individuals don't have an appreciation of what all the costs can amount to. Getting a grip on that and on the various options available for pursuing optimal compensation is why it's useful to consult an attorney.
Appreciate possible costs
Besides the damage to property that might need to be covered, consider this list of possible costs. It is a partial inventory that those experienced in this area of law are deeply familiar. Under the heading of out of pocket damages there can be:
- Ambulance costs.
- Doctor and hospital bills now and into the future.
- Medical supplies.
- Durable medical equipment (wheelchairs, walkers, prostheses, etc.).
- Loss of wages from missed work.
- Potential loss of earning capacity.
- Rehabilitation or retraining costs.
Under the law, you may also have the right to seek compensation for:
- Current and future pain and suffering.
- Diminished quality of life.
- Being unable to contribute your services to family and spouse.
This might lead you to conclude that the only viable option for obtaining the compensation you seek is to file a lawsuit. However, that might not be smart. The law is complicated. Many types of lawsuits exist and possible defendants in each can vary depending on the circumstances of your case.
Initiating the compensation process by filing an insurance claim is often the best first step. But, in the likelihood that the insurance company won't cover all your compensation needs, a skilled attorney can work with you to pursue your best options.