Auto Accident Insurance Verse

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Auto Accident Insurance Claim Personal Injury Insights

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 motor vehicle, 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 motor vehicle 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 MEDICAL BILLS IF YOU MAKE THE MISTAKE OF OBTAINING 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. To do so is the height of financial stupidity!

YOUR BODILY INJURIES: It's a proven fact that the vast majority of motor vehicle 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 her and she takes a powder you’ll handle your pain better if you really dig 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.

DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle motor vehicle accident claim process. Neither Dan Baldyga nor (name the magazine/newsletter and/or web site) 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 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 or visit your favorite bookstore.

Copyright (c) 2002 by Daniel G. Baldyga. All Rights Reserved.

For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of: dbpaw@attbi.com.

Car Shopping Financial Ode

So You're Shopping For A Car

For many Americans, a car is the second largest purchase they make. Advertisers devote millions of dollars to convince us that we deserve to own the hottest set of wheels. The same people who used to yell, "I want my MTV!" are now shouting, "I want my SUV!"

But step inside a dealership, and confident car shoppers are like deer in headlights when confronted by aggressive sales people, confusing financing decisions and a fear of buying more than they can afford.

IHateFinancialPlanning.com, the Web site for the three out of four Americans who hate financial planning, can help sort out the financial aspects of buying and leasing cars. While you crave an SUV, you may discover that the cost of insuring it and filling its huge gas tank will blow your budget off the road.

IHFP offers the following tips to make sure you don't get caught in the headlights:

Get Your Records Straight

One of the first steps in financing a car is to get a grip on your credit rating. Unless you intend to pay with cash, you will have no secrets from the car dealership, finance company or auto insurer. A poor credit history can result in a higher interest rate or even loan disqualification. Also, bad marks on your credit could flag you as an insurance risk, translating into higher premiums.

"There are numerous resources available to help you understand and manage car financing," says Suzanne Hunstad, of IHateFinancialPlanning.com. "Armed with knowledge, you can determine if your loan will be approved, and at what interest rate, and also catch any glitches that could be making your credit history look worse than it is." Hunstad suggests contacting the major credit reporting agencies to obtain your credit report and taking steps to clean it up if necessary.

Cut Your Premiums Down To Size

Before you buy a car, find out what it will cost to insure it. Get car insurance quotes and calculate your insurance needs on the Internet. Each state has different requirements when it comes to auto insurance, and we'll leave it up to you to learn what your state requires. But every state has some sort of financial responsibility law that says you need to take care of any accidents you might have.

To Buy Or Lease, That Is The Question

When you lease, you're paying to use a car. Your payments cover the cost of the vehicle's depreciation while you drive it, rather than its purchase price. If driving a new car is more important to your lifestyle than owning one, leasing is definitely for you. However, if you put a lot of miles on a car every year, it may end up being smarter for you to buy. Consider your personal expectations and financial situation when reviewing the pros and cons of each:

Buying Offers:
- A chance to trade in that old clunker.
- Ownership and equity in the car.
- Control of your wheels. If you want to add eight speakers or take out the backseat, go ahead.
- No penalties if you don't hold up your end of the maintenance agreement, although you will want to service your car to enhance both its service to you and your ability to sell it in the future.
- No mileage limits.
- Payments based on the value of the car, not its depreciation. That may mean higher monthly payments than with a lease.

Leasing Offers:
- A cost-effective alternative to buying a car every few years.
- An affordable way to drive a car that you may not be able to afford to buy. Monthly lease payments are generally less than financing payments.
- A maintenance contract that requires you to keep the car in good shape and not make any alterations to it.
- A factory warranty that almost always covers the car for your entire lease, so major maintenance isn't your financial responsibility.
- Annual mileage limits (about 12,000 to 15,000) with significant penalties if you put more miles on it than the lease stipulates.
- Payments that may be income tax deductible if you're leasing the car for business. Ask a tax advisor for details.
- Penalties if you terminate the lease earlier than agreed. Charges vary.

Financing Is The Next Step

Whether you buy or lease, be prepared to walk away from the deal if you aren't convinced you're being offered a fair price. Do some homework before you walk in -- car salespeople are amateur psychologists who'll get inside your head if you let them, all in the name of making a buck.

"If they see you drool over a leather interior or if you don't know the Kelley Blue Book value of your trade, they've got you right where they want you," Hunstad says. The Internet is a good resource for your research. Use Edmunds.com to comparison-shop and find each model's true market value, i.e. the price of the car in your area. It's usually a different number than either the invoice price (what the dealer paid) or the sticker price (what the dealer wants you to pay).

Once you've got those numbers down, try IHateFinancialPlanning.com's loan calculator to help you compare interest rates, monthly payments and overall purchase price. Don't get emotionally attached to your car salesperson or the loan officer at the car store. Keep this a business decision. Shop for the best interest rate at your local bank or credit union, or use online banking to comparison shop.

Courtesy ARA Content, http://www.aracontent.com.


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SUV Diesel Fuel Poem

Drivers of SUVs Saving Big Money with Diesel Engines

Half of all American vacationers on the road this year are driving gas guzzling SUVs and pickup trucks, according to a new survey on driving habits from research firm MarketFacts. These bigger vehicles burn high amounts of fuel, which not only puts a dent in drivers' wallets, but also increases the country's dependence on foreign oil. Ironically, the MarketFacts study shows that fuel economy is an important issue for SUV and pickup drivers.

According to automotive experts, standard gasoline engines can't efficiently handle the weight of the larger -- and very popular -- SUVs and pickup trucks. There is an alternative, however, for drivers of big vehicles to consider: diesel engines.

Diesel engines like the Power Stroke Diesel in Ford F-Series Super Duty pickups are specifically made to provide better mileage -- 30 percent in most cases -- and have more pulling power than gas engines, which is why they are especially popular among those hauling camping gear or towing boats, RVs and horse trailers.

"People love big trucks for a lot of great reasons, but running a gas engine in them is like trying to heat a hotel with a small home furnace. You're going to burn way too much fuel and you still won't get the power you really need," said Patrick Charbonneau, chief technical officer, Engine Group, International Truck and Engine Corporation. "Diesel engines produce more power than gasoline engines because diesel fuel itself has more energy. And today's diesel engines are electronically controlled to boost performance and fuel efficiency."

However, the study found that despite diesel's known benefits, many Americans are resistant because they still have a negative perception of these engines, recalling the noisy and odorous diesel engines of the '70s. Industry experts dispel these myths saying today's diesel engines are greatly improved -- running quietly and not producing odors or smoke.

Major automakers in the United States have taken an interest in diesel power predominantly because of the success of diesels in Europe. "Over 30 percent of the passenger cars in Europe are now diesel, and the main reason is fuel economy," said Charbonneau. "The Big Three know fuel economy is keenly important here in North America."

Currently in the United States, diesel engines are an option over the standard gasoline engines, adding a few thousand dollars to the cost of a new vehicle. Although buying a diesel engine is a higher monetary investment initially, automakers say diesel engines make up this cost difference within just three years from fuel savings alone. Diesel engines also add greater resale value to pickups and SUVs due to their longevity.

Industry insiders believe that in 20 years, 30 percent of the passenger cars, sport utilities and pickups in America will use diesel engines because of fuel efficiency and near zero emissions capabilities. According to the Department of Energy, if diesels reach even a percent of their potential penetration by 2020, the country could conserve as much as 700,000 barrels of fuel per day -- half the energy used daily by the state of California.

For more information, visit www.GreenDieselTechnology.com.

Courtesy ARA Content, http://www.aracontent.com.


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