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Traffic Accident Insurance Claims Article
By: Dan Baldyga
Three years ago it was reported there were “An
estimated” six million, three hundred and fifteen thousand
motor vehicle accident’s in the United States. That
comes to about 173,000 per day!
Two years ago an average of 120 people died
every day in motor vehicle crashes in the United States.BELOW
ARE 8 VERY INTERESTING 2003 ACCIDENT “RESULTS”
#1. Motor vehicle accidents were the top third
causes of Safety & Health Incidents in the United States.
#2. 86% of the (above) “Reported Accidents”
involved only one driver. (I state “reported”
because - - many were not)!
#3. 1/3 of them took place when drivers lost
control of the vehicle and left the road. Another 1/3 were
cause by the vehicle being struck from behind.
#4. HERE’S A NEW ONE! IT’S A “BIGGIE”!
AND (AS OF TODAY - - RIGHT NOW IN 2005) IT’S JUST BEGINNING:
Hand held (or even hands-free) cell phones have
begun to bring significant “PROBLEMS” to all driver's
performances. (It’s not yet known exactly how many of
these “Problems” caused an accident however -
- there is no doubt that operating a cell phone is far too
dangerous while driving).
People who use headsets to talk on cell phones,
hands-free behind the wheel take significantly, longer to
detect and react while driving. Some have argued that a hands-free
cell-phone conversation is equivalent to talking to a car
passenger, and if you ban one type of conversation, you should
have to ban the other.
THAT'S ABSOLUTELY UNTRUE! “Why"?
You may ask. The answer is, “Because passengers can
react to what is going on around a driver where there is danger,
and such conversations are absolutely no equivalent to a hands-free
phone conversation“.
“Why"? You ask again. The answer
to that one is, “It’s difficult talking to a person
who can observe exactly what you’re seeing”.
#5. In 2003, motor vehicle accidents medical
costs exceeded 2 Billion dollars! That's about 20% of medical
costs attributed to all injuries.
#6. As of April 7th, 2004, it was determined
that throughout the world more than one million people die
each year because of transportation-related accident. (In
America today over 5 people die every day, because of a motor
vehicle crash)!
#7. Between 1992 and 2001, 13,337 people died
from work-related motor vehicle accidents. The highest number
of fatal-work related crashes took place in the transportation
communications and public utilities industry = 4.64 deaths
per 100,000 employees.
#8. In a 2003 study it was discovered that more
people die in motor vehicle crashes than any other cause of
injury!
THE FOLLOWING ARE A HALF DOZEN VERY IMPORTANT
QUESTIONS
YOU SHOULD ASK YOUR INSURANCE AGENT - - IF HE'S
"LEGIT" HE'LL TELL YOU
“Why should I check these out via
my Insurance Agent” ? You ask. The answer to that one
is, “Because the Company that covers you for your Motor
Vehicle Insurance Coverage will not.”
!#1. “Should it be decided your motor
vehicle is a Total Loss how does the company, you have me
insured by, determine the value of my vehicle”?
#2. “Am I entitled to payment for sales
tax and registration fees for a new car”? (As of 2005
there are many states that do so don’t let this slip
out of sight because you may live in one that does).
#3. “In some states people are entitled
to what is described, or identified, as diminished value.
Is that true of ours"?
#4. Ask your agent, “What does it mean
to ‘Stack’ your coverage? Are you doing that“?
If he isn’t than ask him, “ If not how much money
could I save or lose if you did that for me”?
#5. If you make a claim (for a small loss) ask
him, “If I make this claim would that increase my rates”?
(Perhaps, because of the impact it would have on your pocket
book, today, tomorrow and down the pike, you shouldn't)!
#6. “Other than my own Homeowners Policy
will the personal property in my car be covered by my auto
policy”?
If your comes back at you with a flippant answer
like, “Oh yeah, don’t worry about that”,
don't buy into it. You should ask him to show you exactly
where that’s stated in your auto insurance policy.
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DISCLAIMER:
The purpose of this article "UP-TO-DATE
MOTOR VEHICLE ACCIDENT 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) 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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