Your healing physician or Chiropractor has released you from medicine for your motor vehicle emergency and adequate time has passed so you're about to position yourself to sit down with Adjuster Henry Hard-Nose. His owner is Rock Solid Insurance, the firm who insures Fred Fuddle, the personel who plowed into your rear end, smashing you with a huge crash which was responsible for your injuries plus the "Pain and Suffering" you've had to endure.

To be adequately compensated for what you've gone through you must have accumulated what's identified in the world of insurance claims as "Special Damages". Those are your healing bills, your Lost Wages plus every dollar paid out to help with your recovery. When construction the value of a personal injury claim there are some key elements you should be aware of:

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Liability: In the vast majority of motor vehicle accidents it's clear who was at fault. Assuming that Fuddle struck you a excellent blow in the rear end (rear-enders make up well over half of the motor vehicle accidents that take place in the United States each year) yours is a case that must be settled. (Final Statistics prove that in 83% of accident's that took place in 2003 it's clear who was at fault) !

Placing A Value On Your Personal Injury Claim

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The very doubtful liability case has little, if any, community value. If that's the situation you should secure the services of the local Legal Beagle who does a good job at that, Attorney I.M. Greedy. But, if you do, be very specific when you sign Greedy's "Contingency Fee Agreement". Read it closely. Don't sign anyone that will let him payment you one penny, other than his general fee. Do not - - in any way whatsoever - - allow him to chisel any money from you, for his out-of-pocket expenses. All Greedy should be compensated for (if he's victorious at busting loose some bucks from Rock Solid) is his fee and that should be no more than the usual locally published proper ration of the total recovery.

Type Of Injury: If there are severe injuries (which make up only ten to fifteen percent of all motor vehicle accidents) you should secure the services of a lawyer. But, if you've had minor injuries like whiplash, bumps, bruises, sprains and/or strains (and it's clear you're not at fault) you can deal with and rule the claim yourself.

Type Of someone You Are: Rate yourself and be brutally honest. You're most likely an median motor vehicle owner/driver, living a general life. But, if you've spent some time behind bars, have a criminal record, or a history of character defects that often get your butt in a jam with the local cops (and this is well-known) you must take those facts into notice when forming expectations concerning what your case is worth.

The Type Of someone Fred Fuddle Is: The great Fred Fuddle looks, or the great the "entity" "(Fuddle's firm or company, etc.) appears, the great for Rock Solid. But, if Fuddle is a known bookie or drug dealer, they're in deep "stuff". On the other hand, if Fuddle is a well-loved philanthropist, that can be a plus for Rock Solid Insurance. Or if the vehicle that struck you was a van driven by Pastor Frederick Fuddle, and the named insured is The Fuddle Camp For Lost Souls, that can be a plus for Rock Solid.

But, if the "entity" that hit you was a dilapidated junk pile on wheels operated by Fred "Goof-Ball" Fuddle, and the named insured is The Fuddle Rotted Cow Manure Corporation, that will obviously not be favorable for Rock Solid.

Damages: There are "Medical extra Damage" Expenses, "Non-Medical extra Damages" Expenses, and/or your "Property Damage" Expenses.

Medical extra Damage Expenses: These typically comprise Cost of Ambulance, emergency Room, Hospital and/or Clinic Charges, Chiropractor, and/or Dentist, Over-The-Counter Drugs and/or prescription Medications, Laboratory Fees and Services, Diagnostic Tests: X-Rays and (Ct) Scan, Prosthetic Appliances or Surgical Apparatus, (Cranes & Crutches), bodily Therapy, Registered and/or Practical Nurse Fees, Ace Bandages, Gauze and Tape, Heating Pads, Creams, Lotions, Ointments, Balms and Salves.

When it comes to listing your healing extra Damage "expenses" don't overlook one single dollar because, when it comes time to rule your claim, that dollar can increase the value of your payment for "Pain and Suffering" by a multiplier of four or even five! (Yes, that means a .00 bill can be worth .00 to 0.00 more ,in your pocket, from Rock Solid Insurance, at community time).

Non-Medical extra Damages: These typically comprise Lost Wages and Earnings, Lost Vacation time and/or Sick Leave, travel Expenses (car rentals, group transportation, expenses incurred getting to and from your Chiropractor and/or hospital and/or bodily therapy "treatment" of some sort) Household Help while disability and/or Child Care. Be sure to secure written proof of such "Non Medical" extra Damages.

Lost Wages: The earnings you lost, because you were unable to work, is an area where adjusters take terrible benefit of the typical claimant because they know so small about it.

Commissions and overtime can make a huge contrast in your lost earnings. Be sure to get a letter from your employer, on their legal letterhead, explaining that in detail. Or, if you're self-employed, get this data stated on your accountants letterhead.

The time you miss from work (thus the money you may have lost) is calculated and this element constitutes what is known as "Lost Wages" or "Lost Time Verification". In most situations you're entitled to payment for lost time and earnings, even if you have no actual loss of money! Such as, for example, when your salary is paid by your firm insurance coverage, or by taking sick leave, or some similar arrangement.

Even if you're salaried you should secure a "Lost Earnings", or "Time Lost Verification", in writing on your employer's letterhead.

If You'Re Self-Employed: To prove your lost earnings you'll probably have to assemble some inside data for Hard-Nose. If you don't like the idea of submitting secret documents to him, in the privacy of your home or office, just think how you'd feel about producing them in the non-private environment of a courtroom. When a case goes to trial, and if you want to prove your damages so as to secure adequate compensation, that's your only alternative.

Two important Areas concerning Lost Wages: Did the injury necessitate a convert of job or employment at a lesser rate? Or, did the injury allow your going to work but only on a part-time basis? If the talk to whether examine is "Yes", it would be wise to ask your owner to document these facts on their letterhead.

It'S Crucial For You To Know: Even if you've been paid while out of work, you can still compute your time lost from work as "Lost Wages" .

Property Damage Expenses: These typically comprise Motor vehicle Repair, Damaged Clothing, Broken Glasses, cost of Substitute Car Rentals, Towing and Storage. Make copies of all bills relating to any of your property damage expenses. Keep the originals. Be sure to have these in your possession when you and Hard-Nose plunk yourselves down to "Talk Turkey". Photocopies are adequate to give him.

Your Age: Because of their obvious innocence, insurance claim emergency victims, up to the age of 12, generally have perfect community results. Those in their teens, and into their late 50's, fall into a fairly general category because they're generally thought about to be at the height of their bodily stamina. Those in their late 60's, and over, regularly fare extremely well; primarily due to the condolence that's often invoked, from a judge or jury, because of general attitudes concerning frailty and the elderly.

Most important To Remember:The data Hard-Nose places into your file plays a major role in the greatest value of your claim. Never underestimate the importance of his impressions and conclusions! Should, one day, your case ends up in front of a judge, or jury, what Hard-Nose feels, observes and then reports into your file at Rock Solid about you, his insured Fred Fuddle, and/or possible witnesses, etc., (in increasing to the data you've documented for him) could have heavy influence on the value of your claim - - especially if Fuddle is a loser and he's well in the wrong. At that point the only thing stalling a community is the whole of money it's going cost to get rid of you.

And, should your file end up in the hands of the local defense attorney for Rock Solid Insurance, all the obvious factors about you, your injury and liability, will cause him to gasp, "Hey, what's going on here? My legal fees will be higher than the few hundred more bucks this one can be dumped for."

The bottom line: Your out-of-pocket expenses correctly recorded and presented, your injury data properly documented and your lost wages clearly established will seriously increase the dollar value of your personal injury claim.

Question: How does Dan know this to be true? Answer: "Because for 38 years Dan was right there, where he saw and done that" !

Disclaimer: The purpose of this "How To" insurance Claim record "Placing A Value On Your Personal Injury Claim" is to help people understand the motor vehicle emergency claim process. Dan Baldyga does not make any guarantee of any kind 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. Wherever such professional help is desired it is the Individual'S responsibility to secure said services.

Dan Badlyga has had 3 "How To" insurance Claim books published, the last being Auto emergency Personal Injury insurance Claim (How To rate And rule Your Loss) which can be found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com.

This book explains, in simple language, "How To" deal with your motor vehicle property damage and/or personal injury claim. It also contains Base (The Baldyga Auto emergency community estimate Formula). The Base method will construe how to rule the value of the "Pain and Suffering" you endured - - because of your motor vehicle emergency injury!

Placing A Value On Your Personal Injury ClaimElder Scrolls Oblivion GOTY, Extreme Graphics, Part 1: Showing Off God Rays / SSAO (in 1080p HD) Tube. Duration : 11.67 Mins.

Part 1: Welcome to Cyrodiil, and Showing off God Rays and Screen Space Ambient Occlusion (Oblivion GOTY Walkthrough) Click Here for Next Video: www.youtube.com Hello Imperials, and all others who in Cyrodiil do dwell! This is the first video in my TES IV: Oblivion series, with totally decked-out extreme graphics. I am using many enhancement mods, including RAEVWD, Qarl's Texture Pack 3, DarNified UI and Oblivion Graphics Extender v2 with SSAO and God Rays. I also upload all of my game footage in dazzling 1080p HD, so try watching these in the highest definition that you possibly can! In this first video, I introduce you to the game, and I begin in the sewers underneath the Imperial prison, in an area called the Sanctum. I show you how volumetric SSAO (screen space ambient occlusion) works, then we head out through the sewer grate and into Cyrodiil. I show off the God Rays that took me a whole day to troubleshoot and configure, and I also show off the enhanced UI . I also explain how RAEVWD works (acronym for Really Almost Everything Viewable When Distant). I hope you enjoyed it, and watch for more videos very soon! Here are the mods I use, and links to them: 1. Unofficial Oblivion Patch: tesnexus.com 2. Really AEVWD Cities, Imperial City, and New Sheoth: tesnexus.com 3. Natural Environments: Weather, Vegetation, Water, and Habitat: tesnexus.com 4. Oblivion Graphics Extender v2: Volumetric_SSAO.fx and Godrays.fx: tesnexus.com 5. DarNified UI: tesnexus.com 6. Qarl's Texture ...

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Wednesday, January 25, 2012