Every claims desk has files that stall because a document is missing: a police report, a set of photos, a repair estimate. Nobody notices until the pile is big, and by then claimants are calling. Here, Stillfield Mutual, the company we use to show ALK at work, starts its morning with a warning about the 22 motor claims that came in, and ends it with the warning cleared.
Step 1 of 9
Your early warning
The claims view opens on a warning: 6 motor claims are waiting on documents, and the line Stillfield set is 3. Together they hold $23,795 in reserves.
Step 2 of 9
The claims behind it
Ask which claims they are, and the chart shows all six with the reserve each one holds. Aidan Kerr's is the largest, at $9,007.
Step 3 of 9
Every flag explains itself
Ethan Brooks says another vehicle was involved. Stillfield's rules then need a police or collision report, and his file doesn't have one. ALK says so in plain words.
Step 4 of 9
One click to the source
The reason points to the exact line on his claim form: other vehicle involved, a 2015 Dodge Grand Caravan.
Step 5 of 9
The decision: ask for the report
A claims handler reads the reason, checks the form and signs off on ALK's call before anyone is asked for anything.
Step 6 of 9
The missing pages arrive
Four claimants send what was missing: three police reports and a set of damage photos. Their complete files go back into the review.
Step 7 of 9
The pile, sorted again
All 22 claims are checked again. 16 are approved, 4 go to a person and only 2 still wait on documents.
Step 8 of 9
Big claims still get a person
Aidan Kerr's file is complete now, but at $8,187.87 it is over Stillfield's $5,000 line, so it waits for a handler instead of paying out on its own.
Step 9 of 9
ALK watches
The claims view is refreshed from the new results: 2 claims are waiting, under the line of 3. Only Kevin Park and Leah Whitman still owe a document.
What ALK checks in each claim
- Which documents each claim needs, and which ones arrived
- When a police or collision report is required: another vehicle involved, vandalism or theft
- The amount claimed against the $5,000 line for approving on its own
- A suggested reserve from the repair estimate
- Where each claim goes next: approve, a person's review, or a request for documents
Try it on your own claims
Send one real claim file, or a redacted one, and see what ALK finds.
