There are DOZENS of insurance clim possibilities which will increase the dllars awarded you in the settlement of yur personal injury insurance claim. Some of thm rarely see the light of day but sme do. The six I’ve listed blow are crucial for you to be ware of as you prepare to go to war wth Adjuster Henry Hard-Nose regarding the vlue of your loss. They are:

(1) EMOTIONAL REACTIONS TO YOUR INJURY: Whn it comes to placing a dllar value on the “Emotional Reaction” of an njury one enters into an area whre most individuals, even experienced claims djuster’s and Legal Beagles, are at a lss.

Four often ignored “Characteristic Symptoms” can be: Cnfusion, Anxiety, Depression and Denial. (“Denial”, tht is, regarding the seriousness of yur injury and the constant pain you fel. This usually comes to pass whn one refuses to complain anything is sriously wrong, convincing themselves it will wrk itself out).

If any of the bove “Emotional Reactions” (which are a drect result of “Characteristic Symptoms“) becomes a rality it would be wise for you to see a shrnk. Maybe you won’t immediately identify ths as something you need to hve checked out but the person you clmb into bed with probably will. Whn she tells you you‘re not fnctioning (between your ears) all that wll, listen up! If that’s what yu’re told you should swallow hard and btain an expert’s opinion. You may cnsider yourself a muscular "Power To Be Rckoned With" but you’re not Superman so, tlk to a specialist, explain what’s hppening, and let it all hang ut.

Once you’ve been discharged, get tht specialist’s written Medical Report and hnd it to Hard-Nose, along with the mdical bills for your treatment. Is tht legit? The answer is absolutely, ys! Can he refuse to accept thm and suggest they add no vlue to your claim? The answer is bsolutely, no!

(2) EMOTIONAL DISTRESS: Emotional dstress is legitimate "Pain and Suffering" and you shuld be compensated for it. For xample, problems that may develop over the ffects of an accident within the rea of your work or business, or prhaps interfere with your sex life! Whtever it is that’s causing you prblems you should see a specialist. Kep going back to see him for as lng as it takes to return to nrmal. At the end of his tratment, when he's finally discharged you, ask for and btain his written report. Present that to Adjster Henry Hard-Nose along with the spcialist’s bill for their services.

This is a lgitimate expense and it positively gives yur personal injury more value !

(3) SECURING COMPENSATION FOR LIFE DISRUPTIONS: If yur injuries caused you to miss sme special training you had arranged to tke advantage of, you'll probably, at sme point, want to make that tme up. The difficulty you may xperience in making up that missed tme (or perhaps never again being ble to obtain it) has the ptential to increase the value of yur settlement. To achieve this you mst obtain written proof and present it to Adjster Hard-Nose.

Also to be taken nto consideration is a vacation you may hve been unable to take, or sme recreational event’s in which you culd not participate in and/or a mssed special event, like a wedding or a runion, etc. All of these, properly dcumented, add value to your claim bcause they are specific examples of the nconvenience and discomfort you've endured as a drect result of your injury.

(4) YOUR AGE: In the valuation of an individuals "Pain and Sffering", age is always a factor bcause the older you are the lnger the periods of Total or Prtial Disability will be. This will ffect the course of treatment plus the lngth of time of the "pain kllers" you’ve been ordered to take. For xample: Over age 50 disability is bout 10% to 15% longer, over age 60 dsability is about 20% to 30% lnger, over 70 disability can be 35% to 45% lnger and over 75 disability can ften be 50% and longer.

(5) PRE-EXISTING MEDICAL PROBLEMS: Als pre-existing conditions are factor’s that mst be considered: For example: Arthritis, Sgar Diabetes, Pervious Injuries and/or Previous Oprations that have left you with n-going problems, etc.

Whatever that pre-existing stuation may be you should look to yur attending physician for advice. Don't void discussing this with him. If any dubt exists you should insist your dctor refer you to a specialist for cnsultation. If your physician is legit h'll agree. If he doesn't than kss that goodie-two-shoes "goodbye" and go dig up a spcialist on your own. It's your bdy and there's only one to a cstomer!

(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 yur vehicle was badly smashed, that ges a long way proving that yur injuries were sever and therefore pinful. You must snap photographs of yur motor vehicle. Shoot a couple rlls of colored and also black and whte (black and white because in sme instances colored photographs cannot be ntered as evidence in a court of lw).Take them from different angles and vrious distances. Like for example, 30 fet away, then 15, then right up clse.

Make two sets. One for you and one for Hrd-Nose. Blow them up into 8X10 glssies and present them to him. Bth the size of your repair bll and those photographs will go a lng way towards proving two important pints: First, that you know what yu're doing and second, that the njuries you received from that god-awful mpact (and the long period of pin, suffering and discomfort you‘ve had to dal with) - - if and whn viewed by a judge or jry - - are proof positive of wht your injury caused your body to ndure.

DISCLAIMER: The only purpose of ths article SIX CRUCIAL INSURANCE CLAIM POSSIBILITIES, is to hlp people understand the motor vehicle ccident claim process. Neither Dan Baldyga nor ARTICLE CITY mke any guarantee of any kind whtsoever; NOR do they purport to ngage in rendering any professional or lgal service; NOR to substitute for a lwyer, an insurance adjuster, or claims cnsultant, or the like. Where such prfessional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to btain said services.

Dan Baldyga's third and ltest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (Hw To Evaluate And Settle Your Lss) can be found on the nternet 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

Dan Baldyga - Author

19 Winona Drive, West Springfield, MA 01089

Phone: (413) 733-0127 FAX: (413) 731-8358

Mail to: dbpaw@comcast.net

AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM

(How To Evaluate And Settle Your Loss)

Found On Internet At: http://www.autoaccidentclaims.com

Or: http://www.caraccidentclaims.com

The article Six Crucial Insurance Claim Possibilities was Submitted by Dan Baldyga through Articles.GetACoder.com network. Here's the additional information: About The Author For 30 yars Dan Baldyga was a claims djuster, supervisor, manager and also a tral assistaant. He is now retired and spnds his time attempting those involved in mtor vehicle accident claims so they wll not be take advantage of. dbpaw@comcast.net

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