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Traffic Accident Insurance Claims Article
By Dan Baldyga
There are DOZENS of insurance claim possibilities
which will increase the dollars awarded you in the settlement
of your personal injury insurance claim. Some of them rarely
see the light of day but some do. The six I’ve listed
below are crucial for you to be aware of as
you prepare to go to war with Adjuster Henry Hard-Nose regarding
the value of your loss. They are:
(1) EMOTIONAL REACTIONS TO YOUR INJURY:
When it comes to placing a dollar value on the “Emotional
Reaction” of an injury one enters into an area where
most individuals, even experienced claims adjuster’s
and Legal Beagles, are at a loss.
Four often ignored “Characteristic Symptoms”
can be: Confusion, Anxiety, Depression and Denial. “Denial”,
that is, regarding the seriousness of your injury and the
constant pain you feel. This usually comes to pass when one
refuses to complain anything is seriously wrong, convincing
themselves it will work itself out because they’re one
tough individual.
If any of the above “Emotional Reactions”
(which are a direct result of “Characteristic Symptoms“)
becomes a reality it would be wise for you to see a shrink.
Maybe you won’t immediately identify this as something
you need to have checked out but the person you climb into
bed with probably will. When she tells you you‘re not
functioning (between your ears) all that well, listen up!
If that’s what you’re told you should swallow hard
and obtain an expert’s opinion. You may consider yourself
a muscular Power To Be Reckoned With but you’re not Superman
so, talk to a specialist, explain what’s happening, and
let it all hang out.
Once you’ve been discharged, get that specialist’s
written Medical Report and hand it to Hard-Nose, along with
the medical bills for your treatment. Is that legit? The answer
is absolutely, yes! Can he refuse to accept
them and suggest they add no value to your claim? The answer
is absolutely, no!
(2) EMOTIONAL DISTRESS: Emotional distress
is legitimate "pain and suffering" and you should
be compensated for it. For example, problems that may develop
over the effects of an accident within the area of your work
or business, or perhaps interfere with your normal life! Whatever
it is that’s causing you problems you should see a specialist.
Keep going back to see him for as long as it takes to return
to normal. At the end of his treatment, when he's finally
discharged you, ask for and obtain his written report. Present
that to Adjuster Henry Hard-Nose along with the specialist’s
bill for their services.This is a legitimate expense
and it positively gives your personal injury more value!
(3) SECURING COMPENSATION FOR LIFE DISRUPTIONS:
If your injuries caused you to miss some special training
you had arranged to take advantage of, you'll probably, at
some point, want to make that time up. The difficulty you
may experience in making up that missed time (or perhaps never
again being able to obtain it) has the potential to increase
the value of your settlement. To achieve that you must
obtain written proof and present it to Adjuster Hard-Nose.
Also to be taken into consideration is a vacation
you may have been unable to take, or some recreational event’s
in which you could not participate in and/or a missed special
event, like a wedding or a reunion, etc. All of these, properly
documented, add value to your claim because they are specific
examples of the inconvenience and discomfort you've endured
as a direct result of your injury.
(4) YOUR AGE: In the evaluation of an
individuals "pain and suffering", age is always
a factor because the older you are the longer the periods
of Total or Partial Disability will be. This will affect the
course of treatment plus the length of time of the "pain
killers" you’ve been ordered to take. For example:
Over age 50 disability is about 10% to 15% longer, over age
60 disability is about 20% to 30% longer, over 70 disability
can be 35% to 45% longer and over 75 disability can often
be 50% and longer.
(5) PRE-EXISTING MEDICAL PROBLEMS: Also
pre-existing conditions are factor’s that must be considered:
For example: Arthritis, Sugar Diabetes, Pervious Injuries
and/or Previous Operations that have left you with on-going
problems, etc.
Whatever that pre-existing situation may be
you should look to your attending physician for advice. Don't
avoid discussing this with him. If any doubt exists you should
insist your doctor refer you to a specialist for consultation.
If your physician is legit he'll agree. If he doesn't than
kiss that goodie-two-shoes "goodbye" and go dig
up a specialist on your own. It's your body and there's only
one to a customer!
(6) ONE THING YOU SHOULD NEVER FORGET IS
THAT THE VISIBLE DAMAGES TO YOUR MOTOR VEHICLE CAN VERY OFTEN
PROFOUNDLY AFFECT THE AMOUNT OF MONEY YOU'RE EVENTUALLY PAID:
If your motor vehicle was badly smashed, that goes a long
way proving that your injuries were sever and therefore painful.
You must snap photographs of that. Shoot a couple
rolls of colored and also black and white (black
and white because in some instances colored photographs cannot
be entered as evidence in a court of law). Take them from
different angles and various distances. Like for example,
30 feet away, then 15, then right up close.
Make two sets. One for you and one for Hard-Nose.
Blow those suckers into 8X10 glossies and present them to
him. Both the size of your repair bill and those photographs
will go a long way towards proving two important points: First,
that you know what you're doing and second, that the injuries
you received from that god-awful impact to your motor vehicle
(and the long period of pain, suffering and discomfort you‘ve
had to deal with) - - if and when viewed by a judge or jury
- - are proof positive of what your injury caused
your body to endure.
>> Return
to traffic accident insurance claims articles
DISCLAIMER:
The purpose of this article "SIX
CRUCIAL INSURANCE CLAIM POSSIBILITIES" 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) 2002 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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