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In January of 2005 it was written (and found within the confines of The Insurance
Journal), In 2003 more than 25% of automobile accidents resulted in
bodily injury claim.
PLUS: In a 2004 study (executed via Trends In Auto Injury Claims) it was
stated, Personal injury claims remain high.
Records indicate that many people involved in automobile accidents, are
embarrassed to seek medical attention because of what theyve determine
to be bumps and bruises, and they didnt seem serious enough or because
the onset of the symptoms did not immediately occur.
HOWEVER: Just as soon as possible, after an accident, an initial evaluation
at a local Emergency Room is positively recommended!
THE REASON FOR THAT IS: X-rays can be performed which will generally rule
out broken bones or factures. PLUS: Muscle relaxants and anti-inflammatory
medications can immediately be prescribed so as to address muscle strains
If the onset of a serious injury is delayed, the failure to have a medical
complaint recorded will affect your physical recovery. Back and neck injuries
(like a herniated disc) are not always immediately determinable. They are
often initially diagnosed as Soft Tissue injuries before an MRI
or a CT Scan reveals a disc injury. Normal x-ray film - - cannot diagnose
a disc injury!
HERES SOME FACTS OF INSURANCE CLAIM LIFE BY THE AUTHOR OF THIS
ARTICLE - - WHO WAS INVOLVED IN SUCH MATTERS FOR OVER THREE DECADES! If the
adjuster can prove it (and then attempt to hang his hat on the reason
Why hes refusing to pay a personal injury claim) hell
often take the position of, Its because theres been a long
and serious delay in receiving treatment. Or, Too many time-gaps
in the treatment have occurred. Ending either one of those conclusions
with, So therefore its clear that the impact had absolutely nothing
to do what the claimant was later complaining of and being treated for.
WHIPLASH: Whiplash hurls your head backward (causing Hyper-Extension)
and forward (causing Hyper-Flexion) the both of which will absolutely injure
your neck. Whiplash has been determined to be the most common injury resulting
from a car accident. It can cause injury to joints, discs, ligaments, cervical
muscles and nerves.
A Whiplash can be short term or long life, because it can leave your neck
forever vulnerable to injury. It leads to a long-term disability in 10% of
those 1,000,000 people who have been Whip-Lashed (because of
a motor vehicle accident in the United States) every year ! Records indicate
that nearly 25% of those cases result in chronic pain and disability for
an individuals lifetime.
After a Whiplash injury your necks natural curve may be reversed, which
can unevenly distribute the weight of your head and may furthermore misalign
the vertebra. This can lead to arthritic degeneration and recurring pain.
Its a proven fact that 1 in 7 whiplash victims will still have significant
pain more than 3 years after the accident!
According to research published in late 2004 MOST CAR SEATS FAIL THE
WHIPLASH TEST, it was determined that almost two thirds (of what are
advertised as Normal car seats) left motorists vulnerable to
painful whiplash injuries. Of all the models tested 18 were rated as
Good, 27 were rated as Acceptable however all of
the others were rated either Marginal or Poor.
In a 2004 edition the National Association Of Mutual Insurance Companies
stated that, From 1980 to 2003, the Bodily Injury Claim rate increased
by 19%. They went on to say, There were 1.05 Personal Injury
claims per 100 insured cars.
YOU MUST WATCH OUT FOR THE OTHER DRIVERS ADJUSTER
Youve got to be wary of the insurance adjuster contacting you, requesting
a statement so he can, Settle your claim.
In most instances the only reason the adjuster from the other insurance company
wants your statement is so to determine if he can build a defense against
your claim or make his payment to you, as low as possible. More often than
not adjusters contact you (under the pretext of helping you to settle your
claim) and then attempt to use the information theyve obtained - -
to minimize or deny your claim.
Unless the Police Report clearly places the fault on the other driver you
must be very careful how you Handle and/or Deal with
the adjuster assigned to your case because the adjuster is paid, and moved
up the claims ladder, partly because of what he knows, and learned on-the-job,
about insurance claims, but mostly because of how profoundly hes capable
of taking advantage of those who have a legitimate one.
DISCLAIMER: The only purpose of this article AUTOMOBILE ACCIDENT
CLAIMS is to help people understand the motor vehicle accident claim
process. Dan Baldyga does not make any guarantee of any kind whatsoever;
NOR does he purport to engage in rendering any professional or legal service;
NOR to substitute for a lawyer, an insurance consultant, or the like. Where
such professional help is desired it is the INDIVIDUALS RESPONSIBILITY
to obtain said services.
Dan Baldygas third insurance claim book AUTO ACCIDENT PERSONAL INJURY
INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the
This book reveals How To successfully handle your motor vehicle
accident claim so you wont be taken advantage of. It also goes into
detail regarding the revolutionary 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
Copyright (c) 2005 By Daniel G. Baldyga. All Rights Reserved.
Dan Baldyga has a lifetime of experience in the field of motor vehicle accidents,
personal injury and compensation. He has written 3 books on the subject and
his articles are read by millions of readers every year.
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