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Traffic Accident Insurance Claims Article
By: Dan Baldyga
In 2003 there were reported to be “An
estimated” six million three hundred and fifteen thousand
motor vehicle accidents in the United States for that whole
year. That figure comes down to about 17,301.37 accidents
per day !
And, in 2003, there were 2.9 million injures
and 42,815 people were killed. An average of 115 persons die
each day in motor vehicle crashes in the United states - that
made it about one every 13 minutes !
BELOW ARE FOUR VERY INTERESTING RESULTS REGARDING
ACCIDENT INFORMATION GATHERED IN LATE 2004
#1. Motor vehicle accidents are third in the
“Top 10 Causes” of Safety & Health Incidents
in the whole United States.
#2. 86% of the “Reported-Accidents”
involved only one driver. (I state “Reported”
because many aren't in an effort to protect thousands of butts
financially - - THE TRUTH OF THE MATTER IS - - many are not)!
#3. One third were caused by drivers losing
control of the vehicle and leaving the road. Another third
was caused by the vehicle being struck from behind.
#4. OKAY - - NOW, HERE’S A NEW ONE . AND
IT’S A “BIGGIE” - - WHICH IS JUST BEGINNING
- - AND DAN BALDYGA FEELS, THAT IN YEARS TO COME, IT WILL
CLIMB INTO THE STRATOSPHERE:
Hand-held (or even hands-free) cell phones led
to highly significant “Problems” in all drivers
performance.It’s not clear yet exactly how many of these
“Problems” caused an accident in 2003 or 2004
but there's little doubt they're far too dangerous to operate
while driving !
THE FOLLOWING 8 ARE “FACTS” YOU
MUST CHECK OUT (VIA YOUR INSURANCE AGENT) IN EARLY 2005:
“Why should I question my agent”?
You may justifiably ask.
The answer to that one is very simple, “Because
your carrier has no idea and , even if he does, he may never
tell you" !
#1. Should they decide your motor vehicle is
a “Total Loss” how do they then determine the
value of your vehicle?
#2. Are you entitled to payment for sales tax
and registration fees for a new car? (Today there are 29 states
that do so don’t let this one slip out of sight because
yours may be one of them).
#3. In some states you’re entitled to
a “Diminished Value“. How about yours?
#4. What does it mean to “Stack”
your coverage? Ask your agent because you may be doing that.
If he does, how much money can you save or lose?
#5. If you do indeed make a claim how would
and/or could that increase your rates? (Maybe you should not)
? Again, you should ask your agent. If he’s “legit”
he should tell you!
#6. Will your credit history dramatically affect
your auto insurance premium ? If so what suggestions does
your agent have to get around this problem?
#7. Will paying in installments increase your
overall bill? (If that’s true, and the way he now has
it set up, how much money could you save by doing this some
other way)?
#8. Other than your own Home Owners Policy is
the personal property in your car covered by your auto insurance?
If he gives you a flippant answer like, “Oh yeah, don’t
worry about that”, you should ask him to show you exactly
where that’s stated in the auto insurance policy.
>> Return
to traffic accident insurance claims articles
DISCLAIMER:
The purpose of this article "AUTO
ACCIDENT-INSIGHTS AS OF EARLY 2005" is for all readers
to understand the motor vehicle accident claim process. Neither
Dan Baldyga, Scott Baker, I GOT HIT, LLC, and/or the Accident
Resource make any guarantee of any kind whatsoever, NOR do
they purport 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 said services.
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” handle your property
damage 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) 2005 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
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