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Traffic Accident Insurance Claims Article
By: Dan Baldyga
Low Speed impacts are those that take pace at
speeds under 10 MPH. There’s often little (if any) visible
Property Damage done to ones motor vehicle. However, those
who are struck (especially in the rear) very 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 visible
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! It's a fact but 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. However,
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 three crucial factors one ought
to double-check, by hiring a “Professional” to
supply you with a written report on.
They are 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 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 always 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 !
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DISCLAIMER:
The purpose of this article "SEVERAL
CRUCIAL LOW SPEED IMPACT INJURY-FACTS" 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) 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
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