|
Traffic Accident Insurance Claims Article
By Dan Baldyga
There’s nothing that has a greater impact
on evaluating a personal injury insurance claim than the damage
done to your body, the medical bills that are a direct result
of that injury and the “Pain and Suffering” you
were forced to deal with.
Besides botching up your body (and sometimes
your love life) what else does the injury mean to you? It
means a ton of financial expense’s, including repairing
your car, lost wages, a shock to your life style, a tremendous
inconvenience and short or long periods of pain and discomfort
- - all of it a direct result of your injuries.
Plus, there's a long list of
possible medical expenses. For example: Doctor/Chiropractor,
Prescription Drug Bills, Ambulance, Emergency Room Care, Hospital
or Clinic, Specialist and/or Dentist, Laboratory Fees and
Services, Diagnostic Tests, X-Rays and (CT) Scan, Prosthetic
Appliances or Surgical Apparatus (Canes & Crutches), Physical
Therapy, Registered and/or Practical Nurse Fees, Gauze and
Tape, Ace Bandages all of which the insurance company
must pay - - whether they like it or
not!
Also, Creams, Lotions, Ointments, Balms and
Salves, etc. (Should the lady in your life apply any of these
to your aching body I'm sorry to tell you this but her labor
is not an expense you can claim).
YOU MUST BE COMPENSATED BY THE INSURANCE
COMPANY FOR ALL OF THE ABOVE: It's true that a very
small percentage of auto accidents cause big, serious injuries
but that doesn't mean you shouldn't be paid big, serious bucks!
EXAMINATION BY THE INSURANCE COMPANY
DOCTOR: Claims Adjuster Henry Hard-Nose of Rock Solid
Insurance will usually try to pull a fast one insisting he
wants you to be examined by the physician of his choice, the
local medical con-man of all time, Dr. Nuttin' Wrong. Beware
of such a request. Doctors assigned by the insurance company
are notorious for stating, in the report they're paid big
bucks to execute, "There is no objective basis",
for your complaints.
You don't have to agree to be examined by Dr.
Nuttin' Wrong. Rock Solid Insurance cannot insist that you
submit to their doctor for an examination unless your claim
actually becomes a formal court case. So, hold your ground
until your attending physician, Ole “Doc” Comfort,
has released you. After that it's okay to agree to be examined
because by then it's too late! So much time will have passed
it will be impossible for Dr. Wrong to minimize the pain,
discomfort and suffering your injury has caused you.
WHAT TO DO ABOUT YOUR OUT-OF-POCKET
EXPENSES IF YOU DECIDE TO OBTAIN LEGAL HELP FROM ATTORNEY
I. M. SHARP: Should yours be a case in which there's
no question that you're not at fault, make it clear to the
Legal Beagle you've hired, I. M. Sharp, Esquire, that you
expect his Contingency Fee will not
apply to that which he recovers for the damage to your car,
your medical bills, and/or your payment for lost wages. You
tell him these are damages you would have collected ANYWAY
- - whether he was handling the case for you or if you settled
it yourself. Don't you dare be foolish enough to hand him
a huge percentage of that which you were going to be paid
by the insurance company, whether Attorney Sharp handled the
case or not!
YOUR BODILY INJURIES: It's
a proven fact that the vast majority of motor accidents cause
minor injuries. While bodily injury pain can be specifically
measured the limits of what you can endure cannot. Each of
us has a different "pain threshold" - - that is,
the point at which we begin to feel physical pain. The amount
and quality of pain you feel is not strictly dependent on
the bodily injury inflicted. It has a lot to do with your
previous experience, how well you remember it, and your ability
to understand what caused you that pain, and its consequences,
the last time around.
Stress and strain magnify physical pain plus
personal anxiety will greatly increase it. There are also
emotional reactions to the injury. A bodily injury is bound
to cause some degree of mental distress. The duration and
severity that depends on a number of factors: The type of
individual you are, the ultimate consequences of the injury
you sustained, and the life stresses or strengths you're experiencing
at the time of your injury. (If you can't stand your lady
friend and she takes a powder you’ll handle your pain
better than if you really dug the chick and she dumped you
for your best friend)!
When it comes to muscle injuries one thing you
must keep in mind is that when one part of the body demands
rest (by sending out a pain signal) and - - without your even
realizing it - - you help your body by placing a new burden
on other muscles. It gets complicated because although those
muscles may not have been directly injured in the accident,
they can still get buggered up and produce a lot of pain because
of their new role.
>> Return
to traffic accident insurance claims articles
DISCLAIMER:
The purpose of this article "YOUR
INSURANCE CLAIM MEDICAL INSIGHTS AND EXPENSES" 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) 2003 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
|
