This is a free guide on insurance claim
Your "motor vehicles" may be a truck, car, motorcycle - what you want! If it is powered by an engine and one, two, three, four (or more) wheels this "Guide" is for you.
The information below is a bare-bones "Guide" for those who have had such a motor vehicle accident. It details the basics of how they should property damage and / or personal injury claim.
LIST AFTER IMPACT
We strongly suggest you make a copy of this "Impact Checklist" to be kept at hand within the limits of your motor vehicle. A "Guide" to refer to what you know for sure, in accident takes place, you have everything covered.
Except that we must obtain from the operator on the other hand, both their driver's license and car registration information, you should also proceed to do the following:
SPECIAL NOTE TO IMMEDIATELY do: Names and addresses of eyewitnesses. And later, the police investigation into the officers' name and badge number. Weather: snow, rain, fog, mist, sleet, etc. ROAD: dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, visibility etc.: sunny, cloudy, dusk, night , moonlight, etc. (it was the sun in front of the other driver)? TRAFFIC CONTROLS: Are there ceiling? Posted speed limit signs? Stop or warning signs? Signs of the hospital zone or school? Create a diagram: driving area: Flat, crowned, straight, curved, macadam, asphalt, concrete, pavement, dirt, etc. Indicate the width of the street. View the location of impact, gouge and / or skid marks. CONDITION OF VEHICLE YOU who hit: the age and general condition overall. Is their state inspection sticker displayed and updated? Were chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO THE SCENE AND SNAP PHOTOGRAPHS: It is most important to take pictures of: Skid or gouge mark on the road surface and damage to both vehicles. PHOTOS of your injury: It is essential to the ultimate value of your application to make a multitude of color photos (up close and from different angles) of your injury - particularly all black and blue marks or bruises.
INSIGHTS INTO processing of your application (there are six points you should be familiar with) 1. Out-of-Personal expenses 2. Lost work time - Loss of wages 3. Loss of property 4. What your doctor and / or reports chiropractor must state 5. Medical Coverage Payments 6. What if an Adjuster refuses to cooperate
You should go into detail on these six (Below is) Areas:
(1) OUT-OF-Personal expenses: These are expenses that can be measured in money determined. They are the basis of calculations used to award damages (including the amount and often much extra you paid for your "pain and suffering") concerning any financial loss arising directly from the injuries you sustained.
MEDICAL EXPENSES: Obtain all bills and services rendered. (Before they are sent, you have the right to request and read the crucial Final Reports regarding your physical condition of your physician, chiropractor, "specialist" and / or dentist) Medical expenses generally include:. Ambulance ~ Emergency Room ~ Hospital or Clinic ~ Laboratory Fees and Services ~ Diagnostic Tests: (X-ray and / or CT Scan) ~ Registered Nurse or Fees ~ Medicine and / or prescription drugs or prosthetic ~ surgical devices (crutches and Cannes, etc.) Physical Therapy ~ Ace Bandages, Gauze & Tape ~ Heating Pads ~ of Creams, ointments, balms and ointments. As you read make sure that the medical reports include the length of time your "total disability" and / or your "Partial Disability". They are invaluable because they often justify the enormous, an additional payment for your "pain and suffering." (More information will also prove that your claim for lost wages).
FEES FOR ANY non-medical. These include: lost wages and earnings lost ~ Vacation Time and / or Sick Leave ~ Travel Expenses: (transportation expenses to travel and by the physician and / or hospital, etc.) Help ~ For households care for disabled children ~ During Recovery.
(2) working time lost - LOST WAGES - YOUR "LOSS EARNING CAPACITY": The weeks, hours and / or days you were unable to work (and money you lost) added and documented head Company. You are often entitled to compensation for "lost time and earnings," even if you do not have the actual loss of money! Such as, for example, if your salary is paid by some insurance coverage you may have or by taking sick leave or other similar arrangement. It does not matter if you are employed full time, part-time self-employed, owning your own business, retired, unemployed or a housewife not employed outside the home, you should keep a written record of all household help and / or child care needed during your disability period.
All these form part of your "SPECIAL DAMAGES" mainly "Lost Wages". Insurance companies are generally not see your time away from work (due to injury) as "lost time and earnings" but as "the lost earning capacity." In most states we are entitled to compensation for lost time and earnings, even if they have not lost money. For example, when your salary is paid by another insurance coverage you have or by taking sick leave and / or other similar type of arrangement. There are specific situations to be considered and called to the forefront when it comes to be employed full time or part time. More detailed information (about the area shown above is your loss) are found in chapter four Damages within the book AUTO ACCIDENT INSURANCE injury claim.
(3) loss of property, "Okay cost of repair": This figure was negotiated between you and the repair of damage insurance adjuster. Be sure you know (and have a written copy of) exactly what that is.COLLISION figures: There is usually a deductible. Read your policy. DAMAGE LIABILITY (If you are not at fault you should eventually be able to recover the money) PROPERTY:. Protects you for damage you made for the good of others (ie, its trees, lawn, shrubs, mailboxes, etc.) EXCLUSIONS: These are stated in your policy. A good rule is: "If it is not excluded it is covered. " Read your policy carefully for exclusions and discover how they apply. TOTAL LOSS: A "total loss" is when the vehicle damage exceeds the value of the vehicle, as shown throughout the update and "official" books of damage and / or documents. OTHER property losses: clothing, jewelry, watches, sunglasses, eye etc. You can also collect for your (or anyone) personal property which happened to be in the car and was damaged. (Be sure to have written proof of the cost of each damaged item and the date it was purchased). Always remember: You are entitled to be reimbursed for expenses you have incurred for towing, storage and / or rental replacement vehicle engine, or for that matter - any other alternative transportation .
The above is a very brief review. For more in-depth information read CHAPTER FIVE: Property damage in AUTO ACCIDENT INSURANCE DAMAGE personal claim.
(4) WHAT YOUR DOCTOR AND / OR CHIROPRACTOR REPORT must indicate: Each "injury factor assessment" should be clearly indicated in each of your previous medical reports. For example: that your disability is solely the result of the accident . If there were pre-existing conditions aggravated by your injuries? What are the treatments were administered and for how long? What drugs were prescribed, how much and for how long? What are the symptoms or medical problems were such medications meant to relieve? Is there evidence of adverse effects? Ask them to read before they are sent to the expert if you are sure it explains the nature and the extent and frequency of pain as an injury, like yours, is likely to cause.
PROGNOSIS: This information is clearly stated (regarding your progress injuries) and should include: The role played by a pre-existing condition, if any? Their anticipation of a possible future temporary disability / impairment? That the person you plan to attend all other treatments or future? LENGTH OF YOUR "total" disability: Why? Because it is so important (when it comes time to settle) this is clearly stated in the weeks and days. LENGTH OF YOUR "PARTIAL" DISABILITY: Again (and for the same reason as above), it should also be clearly indicated in the weeks and days. (Specific details, regarding both "partial" and "Total" Disability and the incredible value it gives to you in your application can be found in chapter six: YOUR bodily injury).
(5) MEDICAL PAYMENTS COVERAGE: If you have this coverage in your auto insurance policy, he must pay (within the limits indicated) for all medical bills arising from the accident - no matter who is at fault! (You must read your policy carefully because the "Who," "Why" and / or "how" of it often differs).
A WORD ON PLANS HEALTH INSURANCE: In some cases it may be possible to have your medical bills paid and yet avoid any repayment by tapping into your health insurance coverage, or any other plan you may have. (Yes, that means, in certain circumstances, you may be able to collect twice for the same medical bills)!
(6) WHAT IF THE ROD refuses to cooperate? These are your usual choices and routine: a. Threat that you will obtain the services of a lawyer to represent you. b. Go to the head of the adjustment screw. c. Solve your loss in Small Claims Court. d. Contact the appropriate people (through the State Department of Insurance) implementing the principle of time honored "good faith" vs. "bad faith".
All necessary information to enable you to process and manage the issues above are contained in the contents of AUTO ACCIDENT INSURANCE DAMAGE personal claim (How To Evaluate And Settle Your Loss) found on the website http://www.autoaccidentclaims. com or http://www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how much money the "Pain and Suffering" you endured are worth.
WARNING: The only purpose of this paper is to help people understand the motor vehicle accident reporting process. Dan Baldyga, does not offer a warranty of any kind, nor substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the individuals responsible way to obtain such services.
Source: http://EzineArticles.com/11239
Your "motor vehicles" may be a truck, car, motorcycle - what you want! If it is powered by an engine and one, two, three, four (or more) wheels this "Guide" is for you.
The information below is a bare-bones "Guide" for those who have had such a motor vehicle accident. It details the basics of how they should property damage and / or personal injury claim.
LIST AFTER IMPACT
We strongly suggest you make a copy of this "Impact Checklist" to be kept at hand within the limits of your motor vehicle. A "Guide" to refer to what you know for sure, in accident takes place, you have everything covered.
Except that we must obtain from the operator on the other hand, both their driver's license and car registration information, you should also proceed to do the following:
SPECIAL NOTE TO IMMEDIATELY do: Names and addresses of eyewitnesses. And later, the police investigation into the officers' name and badge number. Weather: snow, rain, fog, mist, sleet, etc. ROAD: dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, visibility etc.: sunny, cloudy, dusk, night , moonlight, etc. (it was the sun in front of the other driver)? TRAFFIC CONTROLS: Are there ceiling? Posted speed limit signs? Stop or warning signs? Signs of the hospital zone or school? Create a diagram: driving area: Flat, crowned, straight, curved, macadam, asphalt, concrete, pavement, dirt, etc. Indicate the width of the street. View the location of impact, gouge and / or skid marks. CONDITION OF VEHICLE YOU who hit: the age and general condition overall. Is their state inspection sticker displayed and updated? Were chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO THE SCENE AND SNAP PHOTOGRAPHS: It is most important to take pictures of: Skid or gouge mark on the road surface and damage to both vehicles. PHOTOS of your injury: It is essential to the ultimate value of your application to make a multitude of color photos (up close and from different angles) of your injury - particularly all black and blue marks or bruises.
INSIGHTS INTO processing of your application (there are six points you should be familiar with) 1. Out-of-Personal expenses 2. Lost work time - Loss of wages 3. Loss of property 4. What your doctor and / or reports chiropractor must state 5. Medical Coverage Payments 6. What if an Adjuster refuses to cooperate
You should go into detail on these six (Below is) Areas:
(1) OUT-OF-Personal expenses: These are expenses that can be measured in money determined. They are the basis of calculations used to award damages (including the amount and often much extra you paid for your "pain and suffering") concerning any financial loss arising directly from the injuries you sustained.
MEDICAL EXPENSES: Obtain all bills and services rendered. (Before they are sent, you have the right to request and read the crucial Final Reports regarding your physical condition of your physician, chiropractor, "specialist" and / or dentist) Medical expenses generally include:. Ambulance ~ Emergency Room ~ Hospital or Clinic ~ Laboratory Fees and Services ~ Diagnostic Tests: (X-ray and / or CT Scan) ~ Registered Nurse or Fees ~ Medicine and / or prescription drugs or prosthetic ~ surgical devices (crutches and Cannes, etc.) Physical Therapy ~ Ace Bandages, Gauze & Tape ~ Heating Pads ~ of Creams, ointments, balms and ointments. As you read make sure that the medical reports include the length of time your "total disability" and / or your "Partial Disability". They are invaluable because they often justify the enormous, an additional payment for your "pain and suffering." (More information will also prove that your claim for lost wages).
FEES FOR ANY non-medical. These include: lost wages and earnings lost ~ Vacation Time and / or Sick Leave ~ Travel Expenses: (transportation expenses to travel and by the physician and / or hospital, etc.) Help ~ For households care for disabled children ~ During Recovery.
(2) working time lost - LOST WAGES - YOUR "LOSS EARNING CAPACITY": The weeks, hours and / or days you were unable to work (and money you lost) added and documented head Company. You are often entitled to compensation for "lost time and earnings," even if you do not have the actual loss of money! Such as, for example, if your salary is paid by some insurance coverage you may have or by taking sick leave or other similar arrangement. It does not matter if you are employed full time, part-time self-employed, owning your own business, retired, unemployed or a housewife not employed outside the home, you should keep a written record of all household help and / or child care needed during your disability period.
All these form part of your "SPECIAL DAMAGES" mainly "Lost Wages". Insurance companies are generally not see your time away from work (due to injury) as "lost time and earnings" but as "the lost earning capacity." In most states we are entitled to compensation for lost time and earnings, even if they have not lost money. For example, when your salary is paid by another insurance coverage you have or by taking sick leave and / or other similar type of arrangement. There are specific situations to be considered and called to the forefront when it comes to be employed full time or part time. More detailed information (about the area shown above is your loss) are found in chapter four Damages within the book AUTO ACCIDENT INSURANCE injury claim.
(3) loss of property, "Okay cost of repair": This figure was negotiated between you and the repair of damage insurance adjuster. Be sure you know (and have a written copy of) exactly what that is.COLLISION figures: There is usually a deductible. Read your policy. DAMAGE LIABILITY (If you are not at fault you should eventually be able to recover the money) PROPERTY:. Protects you for damage you made for the good of others (ie, its trees, lawn, shrubs, mailboxes, etc.) EXCLUSIONS: These are stated in your policy. A good rule is: "If it is not excluded it is covered. " Read your policy carefully for exclusions and discover how they apply. TOTAL LOSS: A "total loss" is when the vehicle damage exceeds the value of the vehicle, as shown throughout the update and "official" books of damage and / or documents. OTHER property losses: clothing, jewelry, watches, sunglasses, eye etc. You can also collect for your (or anyone) personal property which happened to be in the car and was damaged. (Be sure to have written proof of the cost of each damaged item and the date it was purchased). Always remember: You are entitled to be reimbursed for expenses you have incurred for towing, storage and / or rental replacement vehicle engine, or for that matter - any other alternative transportation .
The above is a very brief review. For more in-depth information read CHAPTER FIVE: Property damage in AUTO ACCIDENT INSURANCE DAMAGE personal claim.
(4) WHAT YOUR DOCTOR AND / OR CHIROPRACTOR REPORT must indicate: Each "injury factor assessment" should be clearly indicated in each of your previous medical reports. For example: that your disability is solely the result of the accident . If there were pre-existing conditions aggravated by your injuries? What are the treatments were administered and for how long? What drugs were prescribed, how much and for how long? What are the symptoms or medical problems were such medications meant to relieve? Is there evidence of adverse effects? Ask them to read before they are sent to the expert if you are sure it explains the nature and the extent and frequency of pain as an injury, like yours, is likely to cause.
PROGNOSIS: This information is clearly stated (regarding your progress injuries) and should include: The role played by a pre-existing condition, if any? Their anticipation of a possible future temporary disability / impairment? That the person you plan to attend all other treatments or future? LENGTH OF YOUR "total" disability: Why? Because it is so important (when it comes time to settle) this is clearly stated in the weeks and days. LENGTH OF YOUR "PARTIAL" DISABILITY: Again (and for the same reason as above), it should also be clearly indicated in the weeks and days. (Specific details, regarding both "partial" and "Total" Disability and the incredible value it gives to you in your application can be found in chapter six: YOUR bodily injury).
(5) MEDICAL PAYMENTS COVERAGE: If you have this coverage in your auto insurance policy, he must pay (within the limits indicated) for all medical bills arising from the accident - no matter who is at fault! (You must read your policy carefully because the "Who," "Why" and / or "how" of it often differs).
A WORD ON PLANS HEALTH INSURANCE: In some cases it may be possible to have your medical bills paid and yet avoid any repayment by tapping into your health insurance coverage, or any other plan you may have. (Yes, that means, in certain circumstances, you may be able to collect twice for the same medical bills)!
(6) WHAT IF THE ROD refuses to cooperate? These are your usual choices and routine: a. Threat that you will obtain the services of a lawyer to represent you. b. Go to the head of the adjustment screw. c. Solve your loss in Small Claims Court. d. Contact the appropriate people (through the State Department of Insurance) implementing the principle of time honored "good faith" vs. "bad faith".
All necessary information to enable you to process and manage the issues above are contained in the contents of AUTO ACCIDENT INSURANCE DAMAGE personal claim (How To Evaluate And Settle Your Loss) found on the website http://www.autoaccidentclaims. com or http://www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how much money the "Pain and Suffering" you endured are worth.
WARNING: The only purpose of this paper is to help people understand the motor vehicle accident reporting process. Dan Baldyga, does not offer a warranty of any kind, nor substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the individuals responsible way to obtain such services.
Source: http://EzineArticles.com/11239
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