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<head><meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1" > <meta content="http://www.deskshare.com/st.aspx" name="Site Translator"></head> SEGURO de ACCIDENTE de ~AUTO CAIM~ que consigue reembolsado para su "dolor y que sufre" por: Dan Baldyga Youve tenía un accidente del vehículo de motor hace una cierta hora cuando un carácter local por el nombre del fuddle de Fred roto en su extremo posterior pero ahora usted está en el estiramiento casero con su ajustador, I. M. Fuerte, y youre que va a ser pagado su pérdida por el patrón de Strongs, oscile el seguro sólido. Una buena porción de ella estará para su "dolor y sufrir". Es decir, en la mazarota de los establecimientos de demanda de seguro, sus "daños compensatorios". Hablemos de eso: DOLOR CORPORAL DE LESIÓN: ¿Cuánto dolor puede un soporte individual? La respuesta a ésa es: La reacción al dolor diferencia no solamente con cada uno de nosotros, pero a menudo dentro de cada uno de nosotros. Mientras que el dolor puede ser medido generalmente científico, los límites de la resistencia humana no pueden. Todos tenemos un diverso "umbral del dolor" - - es decir, el punto en el cual nosotros comienza a sentir señal de socorro física mientras que entramos en, y después tratamos de, un período del sufrimiento. Mucho depende de qué está entrando encendido en su vida y de cómo usted lo experimenta. El temperamento y los factores psicologicos están implicados. Como, por ejemplo, su vida personal es en confusión (para cualquier número de razones) y ésa ha obstaculizado su capacidad de recuperarse. ¡O, quizás la compañía que usted trabaja para está en el borde de la bancarrota! El mecanismo a través de el cual usted siente lesión es tan complicado que hay las épocas en que el mismo dolor aparece ser más (o menos) que el de días anteriores. Por ejemplo: un día usted tiene un problema que las causas usted a quejarse sin fin. Esto le hace imposible vivir con y su dolor se parece ser mucho más fuerte. Todavía, una situación similar en un día mucho mejor, doesnt le trastornó tan profundo y el dolor no está casi como malo. SU "DOLOR Y SUFRIMIENTO" (Sus Daños Compensatorios): El tipo de lesión que usted sufrió, como resultado del fuddle de Fred que se estrella en usted (más la naturaleza y la longitud de su tratamiento) están dos de los mejores indicadores para que el ajustador y el seguro sólido de la roca consideren el mirar del "dolor y el sufrir" de usted experimentaron. Sin embargo, hay varias otras áreas que usted debe llamar a la atención del ajustador fuerte para hacerlo enterado de lo que usted ha estado tratando. . MEDICATION: The fact that you were prescribed either over-the-counter or prescription medication by Ole Doc Comfort, your family physician, to relieve pain, inflammation (and/or any other injury symptoms), will help to convince I. M. . Strong that your injuries were serious and caused you to endure a great deal of "Pain and Suffering". . No matter which way you slice that cake, the more powerful the medication, and the longer its prescribed for, the greater the value your claim will be. . That's a fact of life in the business of insurance claims. . LENGTH OF RECOVERY: The longer your recovery period, the greater your "Pain and Suffering"- - therefore the higher the settlement value of your bodily injury. . Make sure Doc Comfort clearly indicates this in his Final Medical Report. . Tell him he must state in writing (via the weeks and months) how long it will be, before you were able to engage in your routine activities. . Make sure he doesn't send that report directly to Adjuster Strong. . You get it first and then later on youll send it along to Strong. . But, before you do, read it. . If good Ole Doc Comfort hasn't clearly stated this, hand it back to him and tell him he must. . You have every right to insist that he does. . You're paying his bills, it's your report, your insurance claim, and your big bucks he's not being serious about! . As long as you continue to have physical problems you should keep going back to see your doctor, again and again, and again ! . Other than the obvious "Pain and Suffering" it will help to convince Rock Solid Insurance youve endured, there are two other very good reasons for doing this. . They are as follows: . (1) The fact that your records show visits to your doctor, four, six, eight (or even more) weeks after the accident, will convince Adjuster Strong and Rock Solid that your injury took a long time to deal and required continual attention. . (Plus it clearly indicates each and every day you were unable to work and therefore it proves, beyond the shadow of any doubt, the income you lost). . Never forget: Your attending physicians Medical Report is the only way you can prove you were unable to work and in any court of law that will justify your claim for lost wages. . (2) When you visit Doc Comfort be sure to tell him there's been little (if any!) decrease of your pain, discomfort, stiffness or immobility. . Make sure, when he does execute that Final Medical Report, this is clearly stated in his written remarks. . If it isn't you have every right to go back, hand it to him and insist that it is. . SCARS: In many instances large and obvious scaring increase's the value of your claim (big time!) - - especially if the scarred portion of your body is visible. . If you've been sitting at a desk for 25 years, your chin is double, your hair is gone, and you own a bulging stomach, and thats where the scar is, its not going to be worth much. . But, if you're a tall, dark and handsome, twenty year old and the scar is on your face, than it's worth a ton. . Take colored photographs of every scar and every scrape that causes swelling and/or discoloration to your skin plus every mark on your body! . After youve handed a copy of those photographs to Adjuster I M. . Strong hell be sending them to his boss in the Home Office. . Ive been in that seat so I can flat out guarantee you his immediate superior in the home office will stare at those photos and gulp. . Hell blanch, take a deep breath and send Strong a one liner that reads something like: Do whatever it takes to get rid of this one. . Se! . ttle it and lets move on. . If the scar is bad enough insist that Dr. . Comfort refer you to a Plastic Surgeon for an opinion as to whether your scar can be repaired and/or removed. . Once you've been examined ask that Specialist to detail in writing (and insist that he send his report to you) how much it will cost to make it look right again. . You may never get it repaired, and/or removed, but include that Plastic Surgeon's report, plus copies of the bills youve accumulated because of your visits to him, and hand them to Adjuster Strong. . This will absolutely, positively give your claim more value ! . QUESTIONS & ANSWERS REGARDING OBTAINING THE SERVICES OF A LAWYER: . QUESTION: Is it necessary to obtain the services of an attorney who will take a cut of 33 1/3% of the settlement (in some states up to 50% ) he recovers from the insurance company of the individual who struck you? . ANSWER: Yes, there are some situations where it makes sense to do so. . HOWEVER: Especially in a case where the impact is absolutely not your fault in any way, shape, manor or form - - you should be clear with the lawyer you choose that those out-of-pocket expenses you would have been paid (weather they represented you or not) should not be part of his settlement! . Lets say, for example: You were at a dead stop while waiting for a light to change from red to green, when struck a tremendous blow in the rear by a distracted driver. . Its 100% clear to all concerned that the damages you received will be paid by the insurance company of the individual that struck you. . The property damage to your motor vehicle is $2,800, your lost wages are $450, your final Doctors bill (plus all your other Out-Of-Pocket Medical Expenses) comes to $750 for a total (Property Damages/Lost Wages/Medical Bills) of $4,000. . you live in an area where the lawyers typical Contingency Fee is 33 1/3% . . QUESTION: Should that lawyer take 33/13% ($1,333.33) of that $4,000? . ANSWER: No! . QUESTION: Why not? . ANSWER: Because you were going to get that $4,000 weather there was an attorney representing you or not! . In a situation where the liability is clear the attorney should take, as his fee, 33 1/3% of everything he gets above and beyond , that $4,000! . So, lets say the attorney obtained a settlement of $4,800 for your Pain and Suffering. . When that figure is added to the $4,000 of Out-Of-Pocket Expenses (as detailed above) the total would come to $8,800. . To be fair he should not take 1/3 of $8,800 ($2,933.33 - - thus leaving you with $5,866.66) but 1/3 of the $4,800 ($1,600 - - thus leaving you with $7,200). . QUESTION: What has he done to earn that additional $1,333.34? . ANSWER: Absolutely nothing! . DISCLAIMER: The only purpose of this article ~ AUTO ACCIDENT INSURANCE CLAIM ~ Getting Reimbursed For Your Pain And Suffering is to help people understand the motor vehicle insurance claim process. . Neither Dan Baldyga nor ARTICLE CITY make any kind of guarantee 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 INDIVIDUALS RESPONSIBILITY to obtain such services. . Dan Baldygas third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at <a href="http://autoaccidentclaims.com" target=new> . http://autoaccidentclaims.com </a> . or <a href="http://wwwcaraccidentclaims.com." target=new> . http://wwwcaraccidentclaims.com. </a> . 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). . BASE explains how to determine the value of the Pain and Suffering you endured - - because of your personal injury. . Copyright (c) 2003 by 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: <a href="mailto:dbpaw@comcast.net"> . dbpaw@comcast.net </a> . AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM . (How To Evaluate And Settle Your Loss) . Found On Internet At: <a href="http://www.autoaccidentclaims.com" target=new> . http://www.autoaccidentclaims.com </a> . Or: <a href="http://www.caraccidentclaims.com" target=new> . http://www.caraccidentclaims.com </a> <table width=100% cellpadding=8 cellspacing=0 border=0 bgcolor=#dddddd><tr><td> Sobre El Autor . For 30 years Dan Baldyga was a claims adjuster, supervisor, manger and also a trial assistant. . He is now retired and spens his time attempting to assist those involved in motor vheicle accident claims so they will not be taken advantage of. <a href="mailto:dbpaw@comcast.net"> . dbpaw@comcast.net </a> </td></tr></table>