High Risk Auto Insurance
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High risk auto
insurance, accidents, personal injuries and insurance claims
are here to stay. No matter how far into the 21st Century American’s
elect to drive (unless by the beginning of the 22nd Century we’re
all zipping around in our own personal space ship) motor vehicle
accidents will continue to pile up; with no end in sight!
There are more than 200,000,000 licensed
drivers in the United States. (As of 2003 we’re close to a
yearly 7 million motor vehicle accidents, involving well over 3.5
million injuries).
Car accident crashes cost society an estimated
$4,900 per second. That’s about $25,000 in the time it took
to read this fact.
Current records show that most American driver’s
will have a near motor vehicle accident 1 to 3 times per month and
will be in a collision of some type on the average of every 5 to
8 years plus these records also indicate that licensed teenagers
are 22 more times likely to get a speeding ticket than those who
are 65 years of age or older.
In 1896 there were only four cars registered
in all the United States. Two of them collided with each other in
St. Louis.
By the year 2025 there will be 33 million
people 70 years or older in America. This segment of the population
will be growing 2.5 as fast as the total population. They will make
up the largest percentage of the “turning left” and
“rear end” accidents. Slowly but surely Senior Citizens
have developed a higher accident ratio than teenagers. (This will,
in time, seriously impact the typical Senior Citizen’s pocketbook).
And also, by 2025, the total costs for motor vehicle accidents in
the United States will exceed 450 billion dollars.
The world’s most solitary tree is located
at an oasis in the Tenere Desert in Central Africa. There’s
not one other standing tree within 31 miles. In 1960, it was smashed
into by a truck.
Up-to-date statistics clearly reflect that
1 out of every 5 Americans are involved in an alcohol-related car
crash at some time in their lives and the day in which motor vehicle
accident injuries occur most often is Saturday. Sunday is second.
FIVE CRUCIAL MEDICAL DEVELOPMENTS THAT HAVE SLOWLY BUT SURELY COME
TO PASS. THESE WILL SERIOUSLY (AND FOREVER) IMPACT THE VALUE OF
PERSONAL INJURY CLAIMS IN THE YEARS TO COME:
Records prove that a motor vehicle accident
of as little speed as 5 MPH can produce a “whiplash-type”
injury.
The symptoms arising from an injury sustained
in a motor vehicle accident do not necessarily present themselves
immediately following an accident.
Medical research and clinical experience
have accumulated enough information to demonstrate that the delay
of an injury symptom is the norm.
Studies have established that the delay of
a symptom does not eliminate the possibility of severe injury.
It’s been proven that individuals can
continue to be symptomatic for many months (even years!) after a
motor vehicle accident. In addition approximately 75% of them remain
symptomatic for a minimum of 6 months after the accident. (And current
up-to-date statistics reveal that between the first and second year
after an accident has occurred over 20% of those injured actually
have their symptoms worsen).
Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved
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