Friday, December 14, 2007

Personal Injury Insurance Claim Verse

insurance claim adjuster

Related Themes: Insurance Adjuster, Healthcare Insurance, Affordable Auto Insurance, Personal Insurance, Free Insurance Quotes, Insurance Companies, Insurance Claim Adjuster, Accident Insurance, Car Accident Insurance, Personal Injury

Your Insurance Claim - Medical Insights And Expenses

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 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 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 ( ??? ) 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 or visit your favorite bookstore.

Copyright (c) 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:

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Bank Deposit Ode

Direct Deposit Brings Reliability, Safety and Convenience to Banking

Have you ever rushed to the bank to deposit your paycheck before the cutoff time? Have you ever played "beat the bank" -- writing checks before making a deposit? Have you ever made a trip to the bank just to deposit your paycheck? Have you ever lost checks that needed to be cashed or deposited?

If you answered yes to any of the above, it's time to reconsider the way you bank. Banking should be easy and convenient, and it can be with direct deposit.

According to America's Community Bankers, an independent national trade association representing the nation's community banks, having your paychecks routed to your bank electronically is one of the easiest and safest ways to improve your banking routine. Here's why:

Direct deposit is reliable. Direct deposit puts money in your account on time, every time. And checks don't get lost. The Social Security Administration has used direct deposit for benefits payments since 1976 and has never lost a payment. And with direct deposit, you don't have to wait for your checks to catch up with you if you move to a new address.

Direct deposit is convenient. You don't have to make that special trip to the bank if you have direct deposit. This is a real convenience if you're on vacation or away on business. And you can be confident that the funds will be credited to your account safely and ready to use, whether you're at home or halfway around the world.

Direct deposit is quick. With direct deposit, your money is transferred electronically into your account and available to use instantly once the transfer is complete. When you deposit your paycheck in person, you may have to wait up to three days to access all of your funds because some banks put a "check hold" on paychecks to ensure that the funds clear. With direct deposit there's nothing to "hold" since it's transmitted electronically directly to your bank account. Your money also begins collecting interest immediately if you have it in an interest-bearing account.

And above all, direct deposit is secure. You don't have to worry about lost, stolen or misplaced checks with direct deposit. With the electronic trail that direct deposit leaves, deposits are easier to track than paper checks. And if you are one of the many individuals that will be receiving a refund from the Internal Revenue Service (IRS) this coming tax season, direct deposit enables the IRS to deposit your refund up to three weeks earlier than if you were to receive it by mail.

Your banking can be hassle-free and secure. Talk to your local community banker about direct deposit and other ways to enhance your banking opportunities. For more information about America's Community Bankers, visit, or call (202) 857-3100.

Courtesy ARA Content,

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