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Six Crucial Insurance Claims Possibilities
By:Dan Baldyga
There are DOZENS
of insurance claims 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
insurancesalesman.com
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
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