This is a FREE insurance guide.
Your "Car" can be a truck, car, motorcycle - you name it! If it is equipped with an engine and equipped with one, two, three, four (or even more) wheels, this “Guide” is for you.
The following information is a guide for those who have had such a car accident. It details the basics of how to damage property and / or injuries.
AFTER INFORMATION CHECK
We sincerely suggest that you make a copy of this “Impact Checklist” so that it is convenient within your vehicle. The “guide” to refer to this, in order to be sure, an accident has to happen that you have all embraced.
In addition to the fact that you need to get from another operator, both their driver’s license and vehicle registration information, you should also do the following:
IMMEDIATELY MAKE A SPECIAL NOTE: Names and addresses of eyewitnesses. And later, the name of the police investigator and the number of the badge. WEATHER CONDITIONS: Snow, rain, fog, fog, sleet, etc. ROAD SURFACE: Dry, wet, slippery, ice, etc. ACCOMMODATION: City, suburban, business, wooded, etc. D. VISIBILITY: Sunny , cloudy, twilight, night, moonlight, etc. (Was there a sun on the other driver)? TRAFFIC MANAGEMENT: Were there elevated lights? Published speed limit signs? Stop or warning signs? Signs of a hospital or school zone? CREATE A SCHEME: Driving area: flat, crowned, straight, curved, rubble, asphalt, concrete, cobalt, dirt, etc. Specify the width of the street. Show the location of bumps, bumps and / or slip marks. THE CONDITION OF THE CAR OF A CAR THAT STRUCTURES YOU: Age and General Condition. Is their state inspection label displayed and relevant? Are chains or winter tires needed? HOW IT IS POSSIBLE TO RETURN INTO PHOTO SCENE AND DRAWING: The most important thing is to take a picture: A sign of a slip or rack on the road surface plus damage to both vehicles. PHOTOS OF YOUR GREAT DAMAGE: It is imperative that your claim draws a lot of color photographs (close and at different angles) from your injuries - especially all black and blue marks or bruises.
INSIGHTS INTO HANDLING YOUR CLAIM (There are six areas you need to know) 1. Unplanned expenses 2. Lost time from work - lost wages 3. Damage to property damage 4. What your medical doctor and / or chiropractors reports should the State 5 Coverage of medical services 6. What to do if the correspondent refuses to cooperate
You must enter the details regarding these (below listed) six areas:
(1) POCKET EXPENSES: These are expenses that can be measured in specific amounts. They are the basis of the calculations used to award damages (including that often a large and additional amount paid to you for your Pain and Suffering) in relation to any financial loss arising directly from the injury you may have supported.
MEDICAL EXPENSES: Get all your bills and services. (Before you were sent, you ever had the right to request and read important final reports of your physical condition from your doctor, chiropractor, “medical specialist” and / or dentist). Technical expenses Usually include: first aid ~ emergency department ~ hospital or clinic ~ laboratory fees and services ~ diagnostic tests: (X-ray and / or CT scan) ~ registered or practical nurse fees ~ medicine and / or prescription drugs ~ prosthetic devices or surgical apparatus (canes and crutch, etc.) ~ Physical therapy ~ Ace Bandages, gauze and tape ~ Heating pads ~ Creams, ointments, balms and salva. As you read them, make sure that these medical reports include the duration of your “total disability” and / or your “incomplete disability”. They are of great importance because they often justify the HUGE, extra charge for your “Pain and Suffering”. (Plus, this information will also prove your claim for lost wages).
INSUFFICIENT EXPENSES. These include: loss of wages and incomes ~ lost vacation time and / or sick leave ~ travel expenses: (transportation costs associated with getting to and from the doctor and / or hospital, etc.) ~ Household assistance during disability ~ child care during recovery.
(2) LOST TIME FROM WORK - LOST INFECTIONS - - YOUR "LOSS LOSS OF LOSS": weeks, hours and / or days when you could not work (that money you lost) are added and documented on company letterhead, you often You are entitled to compensation for “lost time and income”, even if you do not have the actual loss of money! For example, for example, if your salary is paid by any other insurance coverage that you may have, or by taking sick leave or another similar agreement. It doesn't matter if you are full-time, part-time, self-employed, owning your own business, retiree, unemployed or housewife not working outside your home, you must keep a written record of all home care and / or child care you need during your stay. period of disability.
All of them constitute an element of your SPECIAL LOSS, mainly Lost Wages. Insurance companies usually do not see your time away from work (due to injury) as "lost time and income", but as "lost ability to earn." In most states, everyone must pay compensation for lost time and earnings, even if they have no loss of money. For example, when your salary is paid at the expense of other insurance coverage that you have, or by taking sick leave and / or some other similar type of arrangement. There are specific situations that should be considered and brought to the fore when it comes to being hired for both full-time and part-time work. More information (related to the above area of your loss) is contained in CHAPTER FOUR “Damage” in the book “AUTOMATIC EMERGENCY PERSONAL INSURANCE INSURANCE CLAIM”.
(3) LOSS OF DAMAGE TO REAL ESTATE: “AGREED COST FOR REPAIR”: this figure was agreed between the person responsible for the repair and the insurance regulator. Make sure you know (and have a written copy) exactly what this figure is. REDUCTION: This is usually a deductible. Read your policy. (If you are not mistaken, you can always return this money). RESPONSIBILITY FOR DAMAGE TO DAMAGE: Protects you for damage that you do to other property (for example, his or her trees, lawn, shrubs, mailbox)) EXCEPTIONS: This is stated in your policy. A good rule of thumb is: "If this is possible, it will be closed." Read your policy carefully to learn about your exceptions and how to apply them. GENERAL LOSS: “Total loss” is when damage caused by motor vehicles excludes the cost of the vehicle, as indicated in all updated and “official” books on property and / or documents. OTHER DAMAGES OF DAMAGE TO REAL ESTATE: clothes, jewelry, watches, glasses or sunglasses, etc. You can also collect personal property for your (or any other person) that was in the car and was damaged. (Make sure you have written proof of the value of each damaged item plus the date it was purchased). Never forget: you are entitled to a refund for any fees that you incur for towing, storing and / or replacing a car, or, for that matter, any other alternative transportation.
The above is a very brief overview. For more information, read CHAPTER FIVE: REAL ESTATE LOSS found in AUTOMATIC PERSONAL INSURANCE INSURANCE CLAIM.
(4) WHAT YOUR MEDICAL DOCTOR AND / OR CHIROPATOR'S REPORT SHOULD CONSTITUTE: Each “Injury Assessment Factor” should be clearly indicated in each of your final medical reports. For example: that your disability is solely the result of an accident. If there were any pre-existing conditions aggravated by your injuries? What procedures were carried out and for how long? What drugs were prescribed, in what quantities and for how long? What symptoms or medical problems were associated with these treatments? Have any adverse reactions been demonstrated? Ask them to read before they are sent to the regulator, so you will see that it explains the nature, as well as the amount and frequency of pain that can lead to injury, such as yours.
FORECAST: This is clearly marked information (about your progress with regard to personal injury) and should include: the role that the pre-existing condition plays, if any? Their prediction of any possible future temporary disability / deterioration? Do you expect any further or future treatment from you? THE LENGTH OF YOUR “TOTAL” DISABILITY: Why? Because it is so important (when it is time to settle), it is clearly stated in weeks and days. THE LENGTH OF YOUR “PARTIAL” DISABILITY: Again (and for the same reason as above) this should also be clearly indicated after weeks and days. (Specific details regarding both “partial” and “complete” disability, as well as the incredible value it provides to you in your application, are contained in chapter SIX: YOUR FAST BROADCASTING).
(5) MEDICAL PAYMENT COVERAGE: If you have this coverage in your car policy, it will pay (up to the set limits) for all medical bills resulting from an accident - no matter who is to blame! (You should carefully read your policy because “Who,” “Why,” and / or “How” are often different).
WORD OF HEALTH INSURANCE PLANS: In some cases, it may be possible to pay your medical bills and, nevertheless, avoid any redemption by clicking on your insurance coverage or some other plan you may have. (Yes, this means that under certain circumstances you will be able to collect twice for the same medical bills)!
(6) WHAT TO DO IF THE REGULATOR REFUSES THE COOPERATION? These are your usual and usual options: a. Threaten that you will receive a lawyer to represent you. b. Go over the head of the regulator. from. Allow the loss of minor claims in court. e. Contact the appropriate people (working through the State Department of Insurance), following the time-honored principle of “Good Faith” versus “Bad Faith”.
All the information necessary to solve and eliminate the above problems is set out in the content of AUTOMATIC COURT INSURANCE CLAIM (How to assess and settle losses), which can be found on the Internet at: http://www.autoaccidentclaims.com Egypt http: // www. caraccidentclaims.com. This book also contains BASE (Baldyga Auto car crash formula). The BASIC FORMULA will tell you how many dollars you are suffering and pain and suffering.
DISCLAIMER: The sole purpose of this article is to help people understand the process of obtaining claims on the highways. Dan Baldyga offers no guarantee, NOR replaces a lawyer, insurance agent or claims counselor or the like. In cases where such professional assistance is desired, INDIVIDUAL RESPONSIBILITIES receive such services.
Copyright (c) 2004 by Daniel G. Baldyga. All rights reserved.
