Inside-Information Regarding Your Motor Vehicle Accident Insurance Claim

by: Dan Baldyga

Here’s some “Inside-Info” you must know so you won’t be taken advantage of on your motor vehicle accident insurance claim and also: SO YOU CAN COLLECT EVERY DOLLAR THAT’S OWED TO YOU !

The following 8 are just “The Tip Of The Iceberg”:

#1. There are situations where you can collect for your “Lost Wages” even if you were paid by your employer and/or collected “Sick Leave” while unable to work.
#2. You can collect money and be reimbursed for any and all “Over The Counter” (non-prescription) medication you purchased during your recovery.
#3. Under normal circumstances unless a claim ends up in court (several years after impact has taken place and you are fully recovered) you do not have to agree to be examined by the insurance company’s doctor.
#4. There are many times that come to pass where you are entitled to collect the “Gross Amount” of your lost wages, not the so-called “Net After Taxes”.
#5. If you’re a housewife, you can often recover for “Lost Wages” (based on the “Value” of a maid or a domestic servant, who would execute the same work) which you could not perform due to the injury.
#6. You are entitled to extra compensation if you can prove you were forced to cancel a vacation and/or a special event.
#7. Under certain circumstances you may be able to make a claim (and collect for) a personal injury even if your state is “No-Fault” and you already have PIP (Personal Injury Protection) coverage.
#8. Your friends, and even relatives, have the right to execute statements which you can send to adjusters (and/or anybody you feel should get one) going into detail as to what happened to your body and what they’ve observed you’ve had to deal with (via your “Pain and Suffering”) during your period of recovery.
These statements can often provide you with an even greater dollar value - - when it comes to the calculation and then the ultimate settlement of your personal injury claim!
DISCLAIMER: The above article "INSIDE-INFORMATION REGARDING YOUR MOTOR VEHICLE ACCIDENT CLAIM" is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga,nor ARTICLE CITY any guarantee of any kind whatsoever, NOR to they purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL’S RESPONSIBILITY to obtain it.
Dan Baldyga's third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury !
Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved
Dan Baldyga - Author

dbpaw@comcast.net

AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM

(How To Evaluate And Settle Your Loss)

http://www.autoaccidentclaims.com


About The Author

For 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and also a Trial Assistant. He is now retired and spends his time attempting to assist thsoe involved in motor vehicle accident claims so they will not be taken advantage of: dbpaw@comcast.net.

Low Speed Impact "Injury" Facts

Low Speed impacts are those that take pace at speeds under 10 MPH. There’s often little (if any) visible Property Damage done to the rear of ones motor vehicle. However, those who are struck (especially in the rear) often have injuries, especially neck injuries. The most common of them are identified as “Whiplash”.

The most contributing factors to “Low Back Injuries” is that the occupants cannot brace themselves nor force their back and neck against the seat or headrest. Most bumpers are built to withstand a low impact (with limited visible damage) but while there may be very minor property damage the body gets snapped around and the body sustains “Soft Tissue” injuries - - including bruises, plus chest and rib injuries.

It’s been proved that while seat belts save lives they can also cause injuries! Since the introduction of Seat Belt Legislation the incidence of “Soft Tissue” injury has increased an astonishing 21% !

If one were to refer to the “Institute For Highway Safety (regarding their alleged Inside-Information - - conducted via their “Crash Test Dummy” tests) they would read, “Whiplash is fairly rare.” This is absolutely incorrect ! Why? Because their “Crash Test Dummies” are seated comfortably and erect, with all the proper equipment, seat backs, seat belts, head restraints, etc. However, it’s highly improbable that any of us are ever in the “Ideal Model Situation”, when involved in a motor vehicle crash.

Body size plays a role in how severe an individuals injury can be. Tall people are at greater risk of “Whiplash”. This is because they are most likely to have head restraints that are too low to be of any help at impact. Individuals with less muscle mass (i.e. women, children and the elderly) pose a higher level of injury risk because this lowers their own internal protective mechanism. This phenomenon also applies to those with small bone structure!
VEHICLE DAMAGE: Older vehicles often suffer greater impacts but show less damage, than new cars. Just because a vehicle shows little or no damage to the bumper does not mean the driver or other occupants did not suffer an injury.

Even though there’s little, if any, Property Damage to be visually observed, and becomes a problem for (regarding your Personal Injury Claim with the insurance company you’re dealing with - - because there’s no Property Damage to be seen) there are 3 crucial factors one ought to double-check, by hiring a “Professional” to supply you with a written report on. As follows: #1. Are there damages to the Bumper Mounts or Absorbers? #2. A “Professional” (by studying the marks on the Bumper Pistons) can estimate the amount of force received at impact. #3. Also, that “Professional” must determine if the striking vehicle’s bumper slid over or under your cars bumper! (If so, even though there may have been little or no damage to your car, this proves you did indeed absorb a substantial crash)!

Too often the insurance adjuster (and/or their Superiors) will attempt to deny the possibility of an injury sustained at a low speed impact. However, recent 2003 & 2004 in-dept research substantiates, just the opposite!
Although many times the motor vehicle shows little damage, the velocity and accompanying force had to be transferred somewhere and that’s to the unlucky occupant of the motor vehicle that’s been crashed into.

NEVER FORGET: Motor vehicles are built to withstand these impacts. Your body is not !
Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved
Dan Baldyga’s third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE
CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book reveals “How To” successfully handle your motor vehicle accident claim, so you won’t be taken advantage of. It also goes into detail regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the “Pain and Suffering” you endured - - because of your personal injury.

DISCLAIMER: The only purpose of this article LOW SPEED IMPACT “INJURY-FACTS”, is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go nor ARTICLECITY.COM make no guarantee of any kind whatsoever, NOR purports to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain such services.

About The Author

Dan Baldyga is now retired and spends his time writing articles to assist those who are involed in motor accident aclaimsso they won't be taken advantage of: dbpaw@comcast.net.