Motor Vehicle Accident Insurance Claim Guide

This is a guide to insurance claim

Your "motor vehicle" may be a truck car, motorcycle - you name it! If it is powered by a motor and has one, two, three, four (or more) wheels this "Guide" is for you.

The information below is a bare-bones "Guide" to those who have had a car accident. It details the basics of how they should with their property damage and / or personal injury claim.

CHECKLIST AFTER IMPACT

We strongly advise you to make a copy of this "Impact Checklist" to keep on hand within the confines of your motor vehicle. A "Guide" to refer to the way you are sure, should an accident occur, you've covered everything.

Apart from the fact that should be obtained from another operator, regardless of their driving license and the registration information of the motor vehicle, one must proceed to perform the following:

Immediately make special note: Names and addresses of eyewitnesses. And as the investigation of police officers and badge number. Weather: Snow, rain, mist, fog, sleet, etc. ROAD SURFACE: Dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, etc. VISIBILITY ': sunny, cloudy, sunset, night, moonlight, etc. (the sun was in another driver's face)? Traffic controls: There were overhead lights? Posted speed limit signs? Stop or warning signs? Hospital or school zone signs? Create a diagram: Driving area: Flat, crowned, straight, curved, macadam, asphalt, cement, gravel, dirt, etc. Indicate the width of the road. Show the location of impact, gouge and / or skid marks. CONDITIONS OF motor vehicle that struck you: Age and general overall condition. Is their state inspection sticker displayed and updated? Have chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO SCENE AND SNAP PHOTOGRAPHS: It 's more important to take pictures of: Skid or gouge mark on the road surface, the more damage both vehicles. PHOTO OF YOUR Personal Injury: E 'key to the ultimate value of the request to take a large number of color photos (up close and from different angles) of your injuries, especially all the black and blue stripes or bruises.

INSIGHTS INTO THE DEMAND MANAGEMENT (There are six areas that should be familiar with) 1. Out-of-pocket expenses 2. Time lost from work - Lost Wages 3. Property Damage Losses 4. What Your Doctor and / or relationships should declare Chiropractor 5. Medical payments coverage 6. What if a governor refuses to cooperate

You should go into detail regarding these (listed below) six areas:

(1) OUT-of-pocket expenses: These are costs that can be measured in money. They are the basis of calculations used for the compensation (including the often large and extra amount paid to you for your "Pain and suffering") in relation to any financial loss flowing directly from the lesion may have suffered.

MEDICAL EXPENSES: Obtain all bills and services. (Before being sent, you always have the right to request and read the crucial Final Reports regarding the physical condition of your doctor, Chiropractor, "Medical specialists" and / or dentist) Medical expenses generally include:. Ambulance ~ Emergency Room ~ Hospital or clinic laboratory Rates and Services ~ Diagnostic tests (X-rays and / or CT scan) or practical nurse Commissions ~ ~ ~ ~ = HEAD NNS Medicine and / or prescription drugs ~ ~ ~ HEAD = NNS Appliances prosthesis or surgical instruments (Canes and crutches, etc.) ~ Physical Therapy ~ Ace Bandages, gauze pads and tape ~ ~ ~ ~ = HEAD NNS creams, ointments, balms and ointments. As you read these reports to ensure that doctors have the time of your "total disability" and / or your "Partial Disability". These are of enormous value because they justify, often huge, made to supplement your "pain and suffering." (Plus this information will also prove your request for lost wages).

DO NOT GIVE MEDICAL EXPENSES. These include lost wages and salaries ~ Vacation time lost and / or sick leave ~ travel expenses: (Transport costs are always incurred to and from the doctor and / or hospital, etc.) ~ Household Help During Disability Child Care During Recovery.

(2) LOST time at work - lost wages - YOUR "LOSS EARNING CAPACITY": the weeks, hours and / or days that they were unable to work (and therefore the money you may have missed) is added and documented on letterhead. You are often entitled to compensation for "lost time and earnings," even if you have no actual loss of money! How, for example, if your salary is paid by some other insurance you may have or by taking sick leave or some other similar arrangement. No matter if you are employed full time, part time, self employed, own your own business, retired, unemployed or a housewife is not employed outside the home, you should keep a written record of all the domestic help and / or child care during the period necessary to disability.

All these constitute an element of "SPECIAL DAMAGES" mainly "Lost Wages". Insurance companies usually do not see your time away from work (due to an injury) as "the lost time and profit," but as "Lost earning capacity." In most states you are entitled to compensation for lost time and earnings even if they have any loss of money. For example, when your salary is paid by another insurance coverage you have or taking sick leave and / or some other similar type of agreement. There are specific situations that must be considered and called the front line when it comes to be engaged either full time or part-time. More detailed information (regarding these above areas is your loss) are found in the fourth chapter, "Damages" with demand book AUTO ACCIDENT PERSONAL INJURY INSURANCE.

(3) LOSS property damage: "Agreed cost of repair": This figure has been negotiated between your damage repair person and the insurance adjuster. Make sure you know (and have a written copy of) exactly what is.COLLISION figure: There is usually a deductible. Read your policy. . (If you are not at fault you should eventually be able to get this money) CONVERTED LIABILITY 'DAMAGE: Protects you for damages that are the property of another (eg trees, its lawn, shrubs, mailboxes, etc.) EXCLUSIONS: These are stated in your policy. A good rule of thumb is: "If it is not excluded is covered." Read your policy closely to discover how and exclusions apply. TOTAL LOSS: a "total loss" is when the motor vehicle damage exceeds the value of the vehicle, as shown in all the up-to-date and "official" books of damage to property and / or documents. OTHER LOSSES property damage: clothing, jewelry, watches, eye or sun glasses, etc. You can also collect for your (or any other individuals) personal property which happened to be in the car and was damaged. (Make sure you have written proof of the cost of each item damaged plus the date you purchased). Do not forget: You are entitled to reimbursement for any expenses that may be incurred for towing, storage and / or replacement of motor vehicles hire, or for that matter - any other alternative transportation.

The above is a very short review. For more details read CHAPTER FIVE: DAMAGE found in claim ACCIDENT PERSONAL INJURY AUTO.

(4) What your doctor and / or report Chiropractor must indicate: Each "factor of the injury" should be clearly indicated in each of your final medical reports. For example: That your disability is only the result of the accident. If there were pre-existing conditions aggravated by your injuries? What treatments were administered and for how long? What medications have been prescribed, how much and for how long? What symptoms or health problems were such medications meant to relieve? There were no adverse reactions demonstrated? Ask to read them before being sent to the controller so you are sure that explains the nature, beyond the scope and frequency of pain that an injury like yours, will likely cause.

PROGNOSIS: This is the information clearly (regarding your personal injury progress) and should include: The role played by a pre-existing condition, if any? Their prediction of possible future temporary disability / disabilities? The individual attending anticipate any further treatment or future? Length of your DISABILITY '"TOTAL": Why? Why is it so important (when it comes time to solve), this is clearly stated in weeks and days. Length of your DISABILITY '"partial": Even in this case (and for the same reason mentioned above) this must be clearly stated in weeks and days. (Specific details, regarding both "Partial" and "Total" Disability, and the incredible value it provides for you in your complaint, you are in the sixth chapter: YOUR PERSONAL INJURY).

(5) MEDICAL PAYMENTS GUARANTEED: If you have this coverage in your policy for motor vehicles, you will pay (up to specified limits) for all medical expenses resulting from the accident - regardless of who is to blame! (You must read your policy carefully, because the "About", "Why" and / or "How" of this often differs).

A WORD ON health insurance plans: In some cases, it may be possible to have medical expenses paid and yet avoid any repayment by tapping health insurance coverage, or some other plan you may have. (Yes, this means that, under certain circumstances, you may be able to collect twice for the same medical accounts)!

(6) WHAT TO DO IF THE GOVERNOR refuses to cooperate? These are your choices and usual routine: a. Threaten that you're going to get the services of a lawyer to represent you. b. Vai over the head of the regulator. c. Resolve your loss in small claims court. d. Contact the right people (working with the State Department of Insurance) implementing the time honored principle of "good faith" against "bad faith".

All information necessary to address and manage the issues mentioned above are defined by the content of accident claim PERSONAL INJURY INSURANCE AUTO (How to evaluate and resolve your loss) that are on the Internet at http://www.autoaccidentclaims . http://www.caraccidentclaims.com com or. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you endured worth it.

DISCLAIMER: The sole purpose of this article is to help people understand the motor vehicle accident claim process. Dan Baldyga, does not offer a warranty of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. If such professional help is desired it is the individuals RESPONSIBLY for providing such services.

Copyright (c) 2004 By Daniel G. Baldyga. ....