insurance sector overview

insurance sector overview
This is a free insurance claim guide

Your "vehicle" means a truck, car, motorcycle - - whatever you want! If it has an engine and one, two, three, four (or more) wheels this "Guide" is for you.

The following information is a bare-bones "Guide" for those who have such a motor vehicle accident. It explains the basics of how to deal with their physical and / or personal injury claim.

After the impact CHECKLIST

We heartily recommend that you make a copy of this "Impact Checklist" to keep practically within the limits of the vehicle. A "Guide" to find, so you can be sure if an accident that you are all under.

Other than the fact that one has of the other companies, both of their drivers license and vehicle registration information, you should also go to the following:

Immediately SPECIAL NOTE FOR: names and addresses of witnesses. And later the investigating police and passport number. Weather: snow, rain, fog, mist, sleet, etc. roadway: dry, wet, slippery, icy, etc.IMPACT AREA: urban, suburban, commercial, forest, etc. Visibility: sunny, cloudy, dusk, night, moonlight, etc. (Was the sun in the other driver's face)? Traffic Controls: Was there an overhead light? Posted speed limit signs? Stop or warning signs? Hospital or school zone signs? A DIAGRAM: Driving area: Flat, crowned, straight, curved, gravel, asphalt, concrete, cobblestone, dirt, etc. Enter the width of the road. Show the location of impact, gouge and / or sliding marks. CONDITION of motor vehicles, THAT STRUCK YOU: Age and general condition. If the state control sticker displayed and up to date? Have chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO THE scene and SNAP PHOTOGRAPHS: It is very important, the pictures of: Skid or gouge mark on the road and the damage to both vehicles. Photos of your injury, it is of crucial importance for the ultimate value of your claim to snap a multitude of colored photos (up close and from different angles) of your bodily injuries - - especially black and blue or pressure points.

INSIGHTS INTO HANDLING your application (there are six areas that you need to) 1 Out-of-pocket expenses 2nd Lost time from work - Lost Wages 3rd Property Damage Losses 4th What your doctor and / or reports should chiropractor 5th Medical Payments Coverage 6th What to do if an adjuster refused cooperation

You should go into detail about these (listed below) six areas:

(1) OUT-OF-Expenses: These are costs that can be measured in certain amounts. They are the basis of the calculations for the award of damages (including, often great and extra amount you pay for your "pain and suffering") in relation to any financial loss flowing directly from the injury you sustained.

Medical Expenses: Obtain all bills and services. (Before they sent out, you always have right to request and read the crucial reports about your physical condition from your physician, chiropractor, "Specialist" and / or dentist). Medical expenses typically include: Ambulance ~ Emergency Room ~ Hospital or clinic laboratory fees, and Services ~ Diagnostic Tests: (X-rays and / or CT Scan) ~ Registered or Practical Nurse Fees ~ Medicine and / or prostheses or medicine ~ surgical devices (Canes & crutch, etc.) ~ Physical Therapy ~ Ace Bandages, Tape & Gauze ~ Heating Pads ~ Creams, ointments, salves & Balmes. As you read, that these reports of the treating physician, the length of time of "total disability" and / or "Partial Disability". These are of enormous value because they justify the often large, additional payment, for your "pain and suffering." (Plus this information will also be your call for Lost Wages).

Non-medical claims expenses. These include: Lost Wages and Earnings ~ Lost leave and / or sick leave ~ travel: (Check for transportation costs to and from the doctor and / or hospital, etc.) ~ Household Help during disability ~ Kinderbetreuung recovery.

(2) lost time from work - - LOST WAGES - - Your "loss of earning capacity": The weeks, hours and / or days you are unable to work (ie the money you have lost) added letterhead and documented. They are often entitled to compensation for the lost time and earnings, "even if no actual loss of money! For example, if your salary is determined by another insurance company you may have, or by using sick leave or a similar scheme. It does not matter if you are employed full time, part time, self-employed, own your own business, retired, unemployed, housewives or workers outside the home, you should make a written record of all household help and / or child care, during the time of your disability.

All this part of your "SPECIAL DAMAGES" mainly "Lost Wages". Insurances usually do not waste your time away from work (because of an injury) as "lost time and earnings," but as "Lost earning capacity." In most States is entitled to compensation for the lost time and earnings even if they are not losing money. For example, if your salary is determined by another insurance coverage you have, or sick days and / or other similar form of the agreement. There are certain situations, and called to the forefront when it comes, will be either full time or part-time. More information (in relation to the above-mentioned area is the loss) in chapter four "damage" within the book AUTO PERSONAL INJURY ACCIDENT insurance claim.

(3) PROPERTY LOSSES: "AGREED COST TO REPAIR": This value was between your damage repair and the insurance adjuster. Make sure that you know (and possess a written copy of) exactly what this number is.COLLISION: There is usually a deductible. Read your policy. (If you are not at fault, you should also be able to spend this money back). PROPERTY LIABILITY: Protects you for damage you do to the property of another (ie, its trees, lawns, shrubs, mailbox, etc.) EXCLUSIONS: These are listed in your policy. A good rule of thumb is: "If it is not excluded, it is under." Read your policy closely to discover your exclusions and how they relate. Total damage: A "total loss" is, if the vehicle damage exceeds the value of the vehicle, as in all of the up-to-date and "Official" Property Damage books and / or documents. Other property LOSSES: Clothing, jewelry, watches, eye or sunglasses, etc. You can also use for your (or other individuals) personal property, which happened in the car and was damaged. (Be sure that written proof of the cost of each item damaged plus the date it was purchased). Never forget: You are entitled to a refund for the fees can cost you for the towing, storage and / or substitute motor vehicle rental, or for the matter - - any other alternate transportation.

This is a very brief overview. For more detailed information, please see Chapter Five: PROPERTY in AUTO ACCIDENT PERSONAL INJURY insurance case.

(4) What medical doctor and / or chiropractor should REPORT: Each "Injury Evaluation Factor" should be clarified in each of the last reports of the treating physician. For example, that your disability is the result of the accident. If it is all pre-existing conditions aggravated by your injuries? What treatments were administered and for how long? What medications were prescribed, to what extent and for how long? What symptoms or medical problems were such medications to relieve? Were there any side effects shown? Ask to read it before sending it to the adjuster so you're sure it explains the nature and the extent and frequency of pain that an injury, such as yours, the probable cause.

Prognosis: This is the clear information (in relation to your personal injury progress) and should include: The role of a pre-existing condition, if so, what? Your prediction about possible future temporary disability / impairments? Is the individual expected to participate in a further or future treatments? The length of the "TOTAL" Disability: Why? Because it is so important (when it comes to time), this is of course in weeks and days. The duration of the "partial" disability: Also (and for the same reason as above) this too should be clearly stated in weeks and days. (For specific information, both in terms of "partial" and "total" disability, and the incredible value it for you in your claim can be found in Chapter VI: YOUR assault).

(5) MEDICAL PAYMENTS COVERAGE: If you use this system in your car policy, it pays (up to the limits stated) for all medical bills from the accident - - regardless of who is to blame! (You must read carefully, since the "Who," "Why" and / or "how" of this often differs).

A word about health insurance plans: In certain cases it may be possible to have your medical bills paid and yet avoid by clicking on a repayment on your health insurance or another, you may have. (Yes, that is, under certain circumstances, you can collect twice for the same medical bills)!

(6) What if the ADJUSTER refuses to cooperate? These are your usual routine and Choices: a. Where there are threats that you go to the services of a lawyer representing them. b. About the adjuster's head. c. Resolve your loss in Small Claims Court d. Contact the proper people (under the State Department of Insurance) implementing the time honored principle of good faith "and" Bad Faith ".

All the necessary information so that you are with and with the above topics can be found in the contents of AUTO ACCIDENT PERSONAL INJURY insurance case (How to evaluate and your loss) can be found online at http://www.autoaccidentclaims.com or http: / / www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you are worth bearing.

DISCLAIMER: The sole purpose of this article is to make the people understand the motor vehicle accident claim process. Dan Baldyga, offers no guarantee of any kind whatsoever, nor to substitute for a lawyer, an insurance adjuster, or claims consultant or the like. Where such professional help is desired it is the people responsible for these services.

Copyright (c) 2004 by Daniel G. Baldyga. All rights reserved.

About the Author

For over 30 years Dan Baldyga was a CLAIMS ADJUSTER, Supervisor, Manager and Trial Assistant. He is now retired and spends his time trying to help those involved in motor vehicle accident claim, they are not used. dbpaw@comcast.net