Six Crucial Insurance Claim Possibilities
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).
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 sex 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 this 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 vehicle was badly smashed, that goes a long way proving that your injuries were sever and therefore painful. You must snap photographs of your motor vehicle. 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 them up 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 (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.
DISCLAIMER: The only purpose of this article SIX CRUCIAL INSURANCE CLAIM POSSIBILITIES, is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor ARTICLE CITY 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.autoaccidentclaims.com . This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury.
Copyright (c) 2003 Daniel G. Baldyga. All Rights Reserved
Dan Baldyga - Author
19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733-0127 FAX: (413) 731-8358
Mail to: firstname.lastname@example.org
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
Found On Internet At: http://www.autoaccidentclaims.com
About The Author
For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistaant. He is now retired and spends his time attempting those involved in motor vehicle accident claims so they will not be take advantage of.
Home Insurance Terms
Home insurance, or even homeowners insurance, is an insurance policy that combines insurance on the home, its contents, loss of the use of the home (additional living expenses) and, typically, the more individual possessions of the homeowner, as well as liability insurance for accidents that can transpire at the home.The cost of homeowners insurance scales upward depending on what it would cost to replenish the home, and which extra "riders", meaning extra items to be insured, are bound to the policy. The insurance policy itself is a long contract, and list what will and what will not be paid in the case of various cases.Virtually all insurers charge less if it appears less likely the home will be damaged or even destroyed: as an example, if the...(related: Insurance)
How Do I Lower My Auto Insurance Premiums?
It seems as though the price of everything is on the rise. The amount a house may have cost in...(related: Insurance)
What You Need To Know About Auto Insurance
Let's be realistic, everyone needs to have auto insurance. Aside from the fact that almost every state requires it, it is only logical for a driver to see that his vehicle is properly insured. Auto insurance offers property, liability and medical coverage. A full policy c...(related: Insurance)
How Much Can My Auto Rate Increase After One Accident?
Accidents almost always make your insurance rates increase. Whether or not the accident was your fault, your insurance company may have to pay for your involvement in it. Most 'at fault' accidents result in an increase in premium, because the accident will get...(related: Insurance)
Term Life - Who Needs It?
If you've read any of the books or articles by popular personal finance gurus you've probably heard of the affordable life insurance alternative called Term life. Term life insurance Quotations are recommended by many popular personal finance gurus and can be a good choice for:· Young families or those on a limited budget, yet still need a large amount of life insurance.Are there family members who depend on your income and would be placed in financial crisis if you died suddenly? If so, term life might be an excellent option to protect those you care about most.· If you have large debts that you'll eventually pay off, such as your home mortgage or auto loan.Since younger people are less of an insurance risk, term life saves you money when you're young and gets more expensive as you grow older. Te...(related: Insurance)
How Do I Calculate How Much Life Insurance I Need?
Life insurance protects you and your family from economic hardship as a result of death. It is an insurance company's obligation to pay the recipient of your cho...(related: Insurance)
Why Bother With Farmers Auto Insurance?
Farmers auto insurance is a very large insurance company that offers all types of coverage including car insurance. The insurance policies cover many things concerning insurance on vehicles. There are many different types of auto insurance coverage such as collision, comprehensive, deductible and a wide variety that goes on and on. Farmers auto insurance company covers it all concerning vehicles.When you have collision coverage it basically covers damage to your vehicle that is caused by hitting another vehicle or an object. This means that you wil...(related: Insurance)
Know Your Own Worth: A Practical Insight Into Covering Up
Almost anything can be insured these days: breasts, legs, your goldfish, your mental health, physical health, your own life, your child's life. You can insure against the bad weather, good weather, political events?.This week in Scotland, triathlon competitors were insured for £1 million in case they were injured by the Loch Ness monster according to the BBC?.life insurance perhaps? It would seem that recent rumours of Nessie seeking a more exotic meal of wild venison and exploring the loch shores have finally reached the corporate world. ( http://www.lochnesstooth.com/ )But is Nessie the real monster in this, what other terrible creatures lie hidden in the complexity o...(related: Insurance)
Ever Wondered What An Auto Insurance Claim Adjuster Does?
An auto insurance claim adjuster works for the insurance company with whom you purchase a policy. Some insurance companies use independent adjusters so that they get an unbiased report. When you have an accident and make a claim on your insurance, the company will send out an adjuster to access the damages and come up with an amount of money that will be needed to complete the repairs. The auto insurance claim adjuster has to contact the garages to get an estimate of what the parts and labor will cost.When you report a claim for an accident to your auto insurance, they will contact the appropriate adjuster. The auto insurance adjuster assigned to your case will contact you to get the details on where he/she can assess the vehicle. Then you will recei...(related: Insurance)
Auto Insurance Basics
Most people only think that insurance is something they need so they can get their registration and tag so they can drive. It is something that they need because their license will be suspended if they don't get it. It's just a bother to some because people think "I don't get into accidents, I am a careful driver."Often times people will call for insurance and say give me the cheapest insurance or give me only what is required. Many people don't even know what this insurance coverage this is. A lot of people only really become aware of what coverage they have when they need it, like when they need to make a claim.When you run into that ...(related: Insurance)
Tips For First Time Insurance Buyers
The are many scary things in this world. Buying insurance for your first time should not be one of them. In the next few paragraphs, I will offer some tips which will hopefully remove the fear of first time auto insurance b...(related: Insurance)