CarInsurance.com Is Available At All Dealerships...With Internet Access

by: Erick Pace


You are ready to buy your first car. Researching the right vehicle can be a daunting task. You search for the right type of vehicle you need, the color you want, the type of interior. You have spent countless hours narrowing down the right vehicle for you. You find out what the MSRP (Manufacturer's Suggested Retail Price) is by using the following services:
Offline:

Consumer Reports Magazine
Auto Week Magazine
Your local newspaper's auto section
Local dealers

Online:

Consumer Reports
Edmunds.com - www.edmunds.com
Kelly Blue Book - www.kbb.com
NADA guide book - www.nadaguides.com

Now you have the right model in mind. You are ready to purchase a car. You now have a good idea of how much you should spend, how much you are willing to spend.
You go to the dealership and spend hours negotiating a price. After you have agreed to a price, the sales clerk asks do you have insurance. Because this is your first vehicle, the thought never crossed your mind. The sales clerk says you will not be able to drive the car off the lot until you have secured insurance. You get out a phone book and start calling around for insurance quotes. You get several prices and you are instructed that you must come to the insurance agency to fill out paperwork. You must then go back to the dealership and show them your insurance policy. This has been a long and stressful day.
Carinsurance.com is ready to help. How can you get the best deal on auto insurance?
Use carinsurance.com at the dealership and you will be able to purchase insurance and print your proof immediately (in available states). With carinsurance.com, you get to shop around and look for the best deal. Find out if you save with carinsurance.com when you get your auto insurance quote. In addition to great rates and reliable coverage, carinsurance.com offers tools and information to help you understand your auto insurance coverage better.
Whether you are a first time car buyer or a seasoned pro, carinsurance.com offers you the ability to shop for insurance in one easy website. Next time you are stuck at a car dealership, go to a computer, type in carinsurance.com and find the best rate without leaving the store.





About The Author


Erick Pace is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.
CarInsurance.com's online insurance marketplace gives an opportunity to consumers and to insurance companies. We offer the ability to shop for car insurance online.
Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online...anytime!

How To Make Money With Used Cars!

by: C.L. Spartalis


One of the most important purchases consumers make is a car. The average consumer purchases another car every several years. With the High Cost of new cars millions of people are opting to purchase affordable used cars.
There is a Massive opportunity to earn an excellent income. Help fill this high demand for quality used cars at affordable prices. When starting out you should focus on cars under the $4,000 range.

Do some research and find out what the most popular best selling cars in your area are. By staying in the lower price ranges with these popular vehicles you will be in a higher demand market since more people can afford these vehicles than higher priced more expensive cars, this will make it much easer to sell quickly for a profit.
You make your money when you buy, this is an important key to your success. You will need to pay wholesale price or below less the cost of any needed repairs, and other expenses ie: detailing, newspaper ads, etc. Once you know the wholesale price, less repair costs and expenses, you will know how much you can pay for a car. If you buy it right you wll be able to sell it at a profit and still give the buyer a great deal.

One of the most important things you can do to purchase a used cars at bargain prices is to do your homework. You should check your local classified ads and see what the asking price is for the type of vehicle that you are in the market for.
Make sure to get the high and low Blue Book and wholesale prices on the vehicle that you are interested in. Here are some excellent sources for getting pricing:
NADA GUIDES - www.nadaguides.com
KELLEY BLUE BOOK - www.kbb.com
EDMUNDS - www.edmunds.com

Other resources to check with is CARFAX. They can supply you with the vehicle history report. The National Highway Traffic Safety Administration has a research area to check recall history on cars. We recommend that you have the vehicle you are interested in purchasing be inspected by your own mechanic prior to purchase.
Newspaper Classified Ads are an excellent place to find cars at well below retail prices. Many of these people will be happy to sell their used cars for several hundred dollars more than what was quoted by the dealer and you will end up with an EXCELLENT BUY!
Online Auctions can be a great place to find bargains. You can shop right from the comfort of your own home. Look for auctions with no reserve, these auctions don’t have a minimum price before they will sell.

Public Car Auctions are open to the general public and do not require you to have a Dealer’s License. Public auctions can be an excellent place to purchase cars at wholesale prices. Some of these auctions are: Auction Repossessions of Credit Unions, Banks & Lending Institutions. Some public auctions also auction Police and Local Municipalities, City, State, & County vehicles.
Estate and Bankruptcy Auctions can be a very good place to purchase vehicles at wholesale prices. These auctions are usually advertised in newspaper classified section or handled by Probate Estate Auctioneers.
Government Auctions are an excellent source for bargin vehicles. They include vehicles from DEA drug raid seizures, FBI, IRS, U.S. Customs Auctions, Department of Defense, General Services Auctions, Resolution Trust Corporation, Department of Housing and Urban Development, and U.S. Postal Services.

Rental Car Companies often sell their fleet of cars by auction. They can be a great source of cars. Contact these large companies and inquire.
Dealer Auctions can be one of the best sources to cars at below wholesale prices. Most of these auctions require that you have a dealer’s license. These auctions include lease cars, trade-ins, rentals, and fleet vehicles.
Stay away from used cars that need major mechanical repairs or body work. Look for good, dependable cars, if the pait is a little dull or the rug is dirty, you can detail, polish and wax the car and clean the carpet. Replace the floor mats if needed. By doing a few hours of work, you can make your car worth hundreds or even thousands of dollars more. By having a clean care, inside and out, you will attract more buyers that will be willing to pay you top dollar for your car.

When your car is ready to sell, you can place and ad in your local newspaper's classified section, or you can place your ad on the internet and reach a wider audience. CARS.COM and AUTOBYTEL.COM has a lot of traffic and is enexpensive. Selling cars through online auctions has also become very popular. It has become one of the easiest, fastest, and most cost effective methods to reach your target audience of hundreds and even thousands of people looking at your car. EBAYMOTORS.COM or AUCTIONYOURAUTOS.COM are both online auction sites.
Most states require that you have a Dealer's License when you buy and sell vehicles for profit. Check with your states Department of Motor Vehicles or Department of Public Safety for more information on how to obtain a Dealer's License. It is important to consult with your attorney, insurance agent, accountant, and other government officials to determine what permits, licenses, records, insurance policies, etc., are required.





About The Author


C.L.Spartalis is the publisher of The of How To Turn Used Cars Into Ca$h With Your Computer. No Inventory Required.
www.turnusedcarstocash.com/home.html

Fraudsters Target Online Car Sales

by: Jim Limerick

There is a growing car shipping scam on the internet which has been targeting sellers of cars, boats, motorbikes and other single high value items, even horses !
We first came across this in January when we were approached by a car dealer in Australia who had been directed to a website purporting to be 1st Move International's car shipping site.
Car Shipping Scam: The hook
Fraudsters had copied aspects of our site and were advising potential victims that they would buy their vehicle and ship it via their approved shippers, pointing the victim to this so called shipping site which they had published themselves.
Once the seller had been "hooked" the fraudster then sends a cheque to the seller for the cost of the vehicle and, very kindly, includes in this payment the costs for shipping the vehicle overseas.
Car Shipping Scam: The Con.
Say the car is being sold for £ 4000.00 and the shipping costs are £1000.00, you, the seller, get a nice little cheque for £ 5000.00 which you duly bank. The bank may even advise you that the funds are in your account, cleared and safe.
Car Shipping Scam: The Sting.
Within a few days you will be asked to send a slice of this money to the shipping agent in order to pay for the shipping. ( the shipping costs of £1000.00)
You are requested to send this money by Moneygram which you do as you have been paid.. This Moneygram is untraceable and cashed immediately.
Meanwhile your bank tells you 10 days later that the original cheque has bounced and promptly takes the money out of your account.
You have just been conned. For £ 1000.00 !
Good advice.
Always, always, get your bank to confirm, in writing, that funds have cleared, are available for use and cannot be taken back from your account. Be cautious of overcomplicated transactions involving shipping agents, business partners, middle men and so on, all designed to leave you seriously out of pocket, and the crooks with your cash.
As with all online transactions please check the credentials of who are you are dealing with. If it sounds to good to be true, then it normally is.
UK shipping companies, or Freight Forwarders, belong to the British International Freight Association (BIFA). You can check their site here: www.bifa.org. Better still why not call the shipping agent personally and check them out. They do a good job and will be happy to help and advise on all things shipping.
This article has been written by Jim Limerick, managing director of 1st Move International Removals (www.shipit.co.uk) and Autoshippers UK (www.autoshippers.co.uk).
Members of the British International Freight Association., Membership Number 1884
1st Move International Ltd.

International House

Chittening Estate

Avonmouth

Bristol BS11 OYB

Tel 0117 9828123

Fax: 0117 9822229

Email jim@shipit.co.uk


About The Author

Jim Limerick is the managing direct of 1st Move International removals (www.shipit.co.uk) and Autoshippers car shipping (www.autoshippers.co.uk). He has been in the shipping business for over 30 years. His companies arrange International Removals and worldwide car shipping services.

Trailer Buying Guide

by: Derek Chastain

Thinking about buying a cargo trailer, horse trailer or even a motorcycle trailer but aren't sure which trailer to buy? As you might have realized, choosing a trailer now-a-days can be perplexing. It's not surprising given the amount of trailer manufacturers and different types of trailers available.

There are many factors to consider when purchasing a trailer. One of the first considerations is to choose an established trailer manufacturer. As with most everything, you usually get what you paid for, so try to choose the best trailer that you can afford.
Deciding on what type of trailer you need for your application will help in narrowing down the manufacturers. There are trailers for almost every conceivable type of cargo, from motorcycles to horses to concessions. If you have to haul it, then there's a trailer made to haul it or at least one that can easily be converted to do the job.
After choosing a manufacturer, figure out what size trailer you'll need. Trailers come in several different widths and lengths. If you're considering an enclosed trailer, you'll also need to consider the height of the interior. If your trailer towing needs require that you spend very much time inside the trailer, choose one with enough interior height to keep you from bending your neck or back when standing.

Open or Enclosed Trailers
The next step in choosing a trailer is figuring out whether you will need an open or an enclosed trailer. An open trailer is one which exposes the cargo to the outside elements. If inclement weather isn't a factor for your cargo, then an open trailer may be the most economical choice. Open utility trailers can range in price from about $900 to $2500 new.
Open utility trailers are well suited for many applications including small landscaping businesses that are just starting out and need a way to haul their landscape equipment. As their business grows and they decide to move up to an enclosed trailer, the open utility trailer will still be incredibly useful for hauling all sorts of material such as mulch, rock and plants.
Another plus for open trailers is their weight. Open utility trailers tend to be lighter and provide less aerodynamic drag than enclosed trailers.

While open trailers are economical and very useful, they do not provide the protection from the outside environment that an enclosed trailer will. Enclosed trailers also offer an added measure of security because the trailer functions as a portable, lockable storage building.
Enclosed trailers tend to be heavier and less aerodynamic than open trailers. Enclosed trailers usually cost in the $1600 to $5000 range new, but can go much higher.
Single or Tandem Axle
Once you've decided on either an open utility trailer or an enclosed cargo trailer, you'll need to decide whether the trailer should have a single axle, dual axle or possibly even three to four axles.

Single axle trailers have just one load bearing axle. Trailers with single axles come with and without brakes, but as a general rule of thumb, most single axle open and enclosed trailers come without brakes. If you plan on hauling more than 3000 lbs, trailer brakes need to be considered. In fact, it's a legal requirement in most states.
Anything heavier than 3000 lbs should be hauled on a dual axle trailer, be it an open or enclosed trailer. Dual axle trailers use two load bearing axles and usually feature either leaf springs or independent torsion bar suspensions. Brakes are recommended for dual axle trailers and again may be required depending upon where you live. Also, dual axle trailers tend to track more accurately than single axle trailers over varying road surfaces.

Rear Access
If you decide on an enclosed trailer, next you have to decide on either a ramp rear door, double rear doors or one single barn-type door. Choosing the type of rear access will greatly depend on the cargo you intend to haul. If you're going to be hauling a motorcycle, race car or any other type vehicle, then a ramp rear door will provide the easiest loading and unloading method.
Be sure though when purchasing a trailer with a ramp door that the ramp is spring assisted as some of the ramp doors can be very heavy. Ramps are also nice for hauling furniture or other heavy items where you'll be using a dolly to load and unload them.
If you will be using the trailer quite often and will be in and out of it, then a ramp can become rather cumbersome. Enter double door trailers. It is much easier to open the doors, step in and get the tool or item you need and then step out and close the door than it is to drop a ramp every time you need access. Too, you have to consider the clearance needed for opening a ramp rear door.

Single barn type rear doors are usually found on smaller enclosed trailers and are comparable in convenience to double rear doors.
Trailer manufacturers are aware of the ramp issue and most now add a side door for access to their enclosed trailers giving those that require a ramp the best of both worlds.

Trailer Brakes
In addition to the various types of trailers, there are several types of trailer braking systems.
Electric braking systems are the most common type of braking systems found on trailers today. These type braking systems connect the brake system on the tow vehicle to the brake system on the trailer. This is accomplished by installing a brake controller inside the tow vehicle. The controller senses the braking force of the tow vehicle and in turn activates the brakes on the trailer.

A hydraulic surge brake system consists of an actuating cylinder that is usually integrated with the trailer tongue assembly. As the tow vehicle applies its brakes, the "surge" of the trailer towards the decelerating tow vehicle compresses the surge actuator. As this cylinder is compressed, force is applied to the master cylinder and from there to the braking cylinders.
Surge braking systems are more expensive and usually only needed if you'll be using several different tow vehicles that would each require a brake controller.
Electric brakes are usually preferred over surge brakes because their operation is independent from the tow vehicle. If for some reason the tow vehicle loses its brakes, there would not be enough deceleration surge to activate the surge brakes. However, with electric brakes, the driver could manually activate the brake controller thus allowing the trailer to slow the entire rig.

In some states, any trailer with brakes is required to have a breakaway system. In the event that the trailer becomes disconnected from the tow vehicle, the trailer brakes would apply automatically to stop the run away trailer. Trailer equipped with electric brakes carry a separate battery to activate the breakaway systems. Surge brakes use a cable that locks the breaks in a breakaway situation.

Informed Buying
The most important aspect of buying a trailer is to be an informed buyer. Ask lots of questions. Any reputable dealer will be glad to answer your questions and in fact, should ask you a lot of questions regarding your intended cargo load. Ask about the warranty. Does the manufacturer stand behind its work? Most established manufacturers offer a very good warranty program and will go out of their way to satisfy a customer.
To help in your search for the perfect trailer, you can visit http://www.trailershopper.com where you'll find hundreds of new and used trailers for sale by individuals and dealers.


About The Author

Derek Chastain
Derek is the webmaster for http://www.trailershopper.com, an online resource for buying and selling trailers of all types.
You may reprint this article on your site, ezine or newsletter as long as the link to http://www.trailershopper.com is not removed.

Understanding Trailer Brake Controllers

by: Derek Chastain


An electric trailer brake controller is a device that supplies power from a tow vehicle to a trailer's electric brakes. There are two types of brake controllers on the market today - Time Delay Activated and Inertia Activated.

While the controllers operate differently, they are very similar. Both types have the same wiring configuration. Both allow the driver to adjust the amount of braking power and both have a pressure sensitive manual override switch that can be used to apply the trailer brakes independently of the tow vehicle.

Time Delay Activated Brake Controls
Time Delay Activated or "solid state" controllers are enabled by the depressing of the brake pedal in the tow vehicle. Once enabled, time delay activated controllers apply a gradual voltage to the trailer's brakes using a Time Delay Circuit.
The advantages of a solid state brake control unit are the inexpensive cost, low profile, and they can be mounted at any angle. The disadvantages mostly pertain to Hazard Flashers issues. In most applications the digital display will flash with the hazard flashers and if the gain is set aggressively, some pulsing of the trailer brakes may be felt.
Hazard Flasher issues can be resolved by using a Pulse Preventer that will isolate the brake control from the vehicles flashers, thus eliminating the pulsing.

Inertia Activated Brake Controls
Inertia Activated Brake Controllers or Pendulum Style controllers are enabled by the depressing of the brake pedal and activated by a Pendulum Circuit that senses the stopping motion of the vehicle. The Pendulum Circuit applies a proportional voltage to the trailer's brakes.
When the Inertia activated brake control is properly adjusted, the trailer will decelerate at the same speed as the towing vehicle. A result of this is increased braking efficiency and reduced wear on the brakes.

Advantages of pendulum style controllers are efficient braking under a variety of braking conditions including adverse conditions. They also have a smooth braking motion.
Pendulum style controllers have a few disadvantages also. They tend to be larger than solid state controller. They usually more expensive and they must be mounted in a level position. Tekonsha's Prodigy controller is an exception. Due to its innovative technology, it can be mounted in almost any position.

Whether the brake control is Timer Activated or Inertia Activated, the gain can be adjusted by the user. Both feature a pressure sensitive switch that can be used to apply the trailer brakes independent of the tow vehicle. Most importantly, both styles achieve the same goal safely and reliably. Visit http://www.trailerbrakecontrols.com for more information.

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.

Effective Online Car Sales on Ebay Motors

by: Cherie Szilvagyi

Remember back when selling online was a new experience? Dealers tried everything to sell their vehicles online. Today’s market has expanded to include several hot online marketplaces. The largest online marketplace is Ebay. Ebay has evolved into an online solution for everything from whole towns to your favorite paperback book. Big or small it doesn’t matter, Ebay has everything for the savvy consumer.

Vehicles are plentiful on Ebay. Ebay sells a vehicle every minute for the savvy seller willing to invest his time and money in listing his vehicle online. Just how effective is selling on Ebay? Actually, less than 10% of the vehicles listed on Ebay actually sell. A selected few dealers sell at 80 to 100% of their online car sales.

Who are the auto dealers that are selling effectively on Ebay? Is there a secret to their success? Consider that a vehicle, digital camera and some basic design skills are all you need to sell on Ebay. Which vehicle and how much will it sell for? How to type up the description so that the internet savvy consumer will want to purchase your vehicle?
All of these questions are asked each and every day by savvy individuals and auto dealers all across the United States. A company has come along that can help with your selling situation and take the work out of listing for a car dealer on Ebay Motors. That is right! No work for you!

They take the pictures and handle your vehicle sale from start to finish, while handling emails in a professional manner to produce a proven sales results.
A Consulting company called www.AutomobileClearingHouse.com has proven that they can sell cars on Ebay with a sell through factor much higher than the average auto dealer on Ebay. Take the work out of selling your vehicle on the world’s largest marketplace. Check out their website and see how easy selling a car online can be.
“Committed to selling online, put our extensive experience to work for you.” At www.AutomobileClearingHouse.com, their moto says it all!

About The Author

Cherie Szilvagyi

www.AutomobileClearingHouse.com © AutomobilleClearingHouse 2004

cherie@automobileclearinghouse.com

Selling Effectively on Ebay Motors

Remember back when selling online was a new experience? Dealers tried everything to sell their vehicles online. Today’s market has expanded to include several hot online marketplaces but there is the largest online marketplace, Ebay. Ebay has evolved into an online solution for everything from whole towns to your favorite paperback book. Big or small it doesn’t matter, Ebay has everything for the savvy consumer.

Vehicles are plentiful on Ebay. Ebay sells a vehicle every minute for the savvy seller willing to invest his time and money in listing his vehicle online. Just how effective is selling on Ebay? A vehicle sells once every minute on Ebay that is very, very effective. Do all vehicles sell that are listed on Ebay? Actually, less than 10% of the vehicles listed on Ebay actually sell.

What are the companies doing that are selling effectively on Ebay? Is there a secret to their success? Consider that a digital camera and some basic design skils is all you need to sell on Ebay. Of course you also need a vehicle to sell. Which vehicle and how much will it sell for? How to type up the description so that that savvy consumer will want to purchase your vehicle?
All of these questions are asked each and every day by savvy individuals and auto dealers all across the United States. A company has come along that can help with your selling situation and take the work out of listing on Ebay Motors. That is right! No work for you! They take the pictures and handle your vehicle sale from start to finish. While handling emails and phone calls in a professional manner to produce a proven sales result.

A Consulting company called www.AutomobileClearingHouse.com has proven that they can sell cars on Ebay with a sell through factor much higher than the average consumer on Ebay. Take the work out of selling your vehicle on the world’s largest marketplace. Check out their website and see how easy selling a car online can be.
“We are commited to selling online. Let us put our extensive experience to work for you.”

About The Author:

Cherie Szilvagyi is the CEO of AutomobileClearingHouse.com and is a leading powerseller on Ebay Motor. See this new alternative to selling online at www.AutomobileClearingHouse.com.

cheries001@yahoo.com

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.