| |
| |
|
Insurance Information |
|
|
|
Insights Into Your Med-Pay Insurance Coverage
While Legal Romantics would like to characterize the trial of a lawsuit as a "Search For Truth" that's not a reality! Cases are decided on the evidence. When reviewing cases before them, judges invariably use the phrase, "The evidence shows", rather than, "The truth of the matter is". That first phrase is a reality that filters from the courtroom down to the objective evaluation of each case tried. If Fred Fuddle is the town drunk, or if his conduct at the accident scene was provably abnormal than the value of your case should increase. If your injuries are visible and/or demonstrable, it's likely your settlement will be larger. The conduct of both Fuddle and you before the accident may be significant. If you had been at a bar drinking heavily or raising holy hell out on the highway before the accident, you'll get less regard from the jury than if you were driving to your house of worship with your family. So, the circumstances of your behavior before, during, or after the accident increases or decreases the value of your settlement. THE SIX MOST IMPORTANT ELEMENTS IN THE "EVALUATION PROCESS": To be fully informed, you must know and understand the six primary evaluation elements that figure into the process of evaluation. They are as follows: (1) THE FACTS (2) THE EVIDENCE (3) THE LAW (4) YOUR INJURY (5) SPECIAL DAMAGES (6) THE INTANGIBILITIES. (1) THE FACTS: The gathering of the provable factual information is the first step in the evaluation. If you try to evaluate a claim without as complete a file of facts as possible, it's like going hunting for a lion with a slingshot. (2) THE EVIDENCE: You must weigh all factual evidence known to you against the actual evidence you can produce to substantiate it. No matter what information you're aware of, your position will always be stronger if you have the evidence to back you up. For example: You can talk until the cows come home about the unsightly black-and-blue marks you had on your face, ribs, and hips, the scar on your forehead, or the 75 feet of skid marks Fred Fuddle's auto left on the highway before he smashed into you, but Adjuster I. M. Smart will never adequately comprehend, (nor want to believe you) unless you provide him with photographs. Providing Smart with the proof-positive of photographs will cause his Supervisor's eyes to bulge as he inhales a deep breath of resignation and declares, "Hey, this one's gonna cost us" . QUESTION: "How can Dan be so sure about that"? ANSWER: "Because before Dan retired, after spending over 30 years on that firing line, he was an Insurance Adjuster, Supervisor, Manager and Trial Assistant. He's been there, saw that, plus heard (and felt) that many thousands of times"! Whenever possible you must help Adjuster I. M. Smart justify the settlement figure he wants to get approved by his immediate superior at Granite Mountian Insurance Corporation. (3) THE LAW: As proved in over 83% of the accidents in the United States in 2003 the impact you were subjected to is clearly the fault of "Fumbling" Fred Fuddle, so the law is on your side. Armed with the information found in my third book AUTO ACCIDENT PERSONAL INJURY (How To Evaluate And Settle Your Loss) plus THE BASE FORMULA (The Baldyga Auto Accident Settlement Evaluation Formula) you'll be able to do that. THE BASE FORMULA will correctly evaluate your "Pain and Suffering". Because of this, you can settle your own claim without handing a huge percentage to an attorney. A lawyer who has done nothing more than have his secretary send Fuddle a letter of representation and then think it's perfectly acceptable (after many moths, sometimes years, of hiding/stumbling/fumbling and verbally pitching his well-practiced answer when you asked, "Hey what's going on with my claim?" with an answer like, "I'm right on top of it, hang in there, old friend and I'll make it come out right", and then proceed to take a huge portion of your settlement dollars, for doing little or nothing to earn it. (4) INJURY TO YOU: The seriousness of your injury has to be considered. (Ole' Doc Comfort, your attending physician's Medical Report, should go into detail about that).Your age will have an effect on the time it takes you to recover. The time you lost at work will have a direct bearing on the length of your recovery. (5) SPECIAL DAMAGES: All of your direct and tangible losses are prime factors to be implemented in the consideration of the value of your claim.(Clearly stated details regarding Damages are found in Chapter Four of my book). (6) INTANGIBLE ELEMENTS: These include your reasonableness, your economic status, your standing in the community, the obvious sentiment conjured up when one considers the degree of the seriousness of your injury, plus the attitude of Fred Fuddle (and often your witness) regarding your case. Sympathy will come into play if you're a widow or a highly respected Little League Coach, in contrast to your being identified as a raucous bum with a history of getting into scrapes with the law. Emotional factors often have considerable weight in the evaluation of your claim. Whatever the intangible elements may be, you must force yourself to investigate and then evaluate them just as objectively as possible. So, if what's being contended is incorrect, you can deny them (plus you must prove the conclusions not to be true) when and where it becomes appropriate to do so. Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved DISCLAIMER: The only purpose of this article INSIGHTS INTO YOUR MED-PAY INSURANCE CLAIM COVERAGE is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor ARTICLECITY.COM make any guarantee of any kind what 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. Whenever such help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain such services. About The Author Dan Baldyga is now retired and spends his time writing articles to assist those who are involved in motor vehicle accidentclaims so they won't be taken advantage of: AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) http://www.autoaccidentclaims.com
MORE RESOURCES:
Insurance - Google News |
|
|
|
RELATED ARTICLES
Shopping Options for Auto Insurance Shopping for car insurance can be a big undertaking. It can be daunting at times but is very important. Life Insurance Fears Post the London Bombings Tragedy Following on from the tube train and bus bomb attacks in London there was a move from several UK insurance companies to reassure victims that claims would be processed "quickly and sympathetically". This need for reassurance came in light of concerns that many victims of the blasts would not be covered by their existing health and life insurance cover. What Is Permanent Life Insurance? Unlike term life insurance, permanent insurance policies such as universal life, variable universal life and whole life provide long-term financial protection. This type of insurance will cover you for the duration of your life and continued on time premium payments. Types of Long Term Care Insurance Regardless of what some people might think, medical insurance will not cover the expenses and services that long term care insurance covers.There are three types of long term care insurance. Life Insurance Whole Life or Term Life - Find Affordable Life Insurance Life insurance, whether you need term or whole life, can be a major expense. We all know the importance of having adequate life insurance. Term Life Insurance - Buy Term and Invest the Difference! The phrase "BUY TERM AND INVEST THE DIFFERENCE" evolves around the concept of term life policy which is a basic protection policy and the endowment/ whole life policy which has protection and investment/saving features. To put it simply, the phrase means that instead of taking up the endowment/whole life policy, an individual should buy a term policy for protection and the difference between the premiums of the two policies is to be invested by the individual himself to earn some dividend on the investment. How To Best Handle Health Insurance Plan Changes Many economists have suggested and recent economic data indicates that the economy is steadily moving in the right direction. A combination of several factors has no doubt had a negative impact on the economy over the last several years. About Accidental Death Dismemberment Insurance Quote We don't hear much about getting an accidental death dismemberment insurance quote as no one is really pushing or promoting the coverage as agents make very little money on it and is not worth promoting. They are looking for the larger ticket items with high commissions that being regular life insurance instead of offering you accidental death dismemberment insurance quotes. A Free Term Life Insurance Quote Is Only Easy To Obtain By searching online for life insurance, you can get a free term life insurance quote with no obligation to buy. In order to get the free term life insurance quote, you fill in the form on the appropriate page of the life insurance company website. Motor Vehicle Accident Insurance Claim Guide This is a FREE Insurance Claim GuideYour "Motor Vehicle" can be a truck, car, motorcycle - - you name it! If it's powered by a motor and has one, two, three, four (or even 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. Insurance or Assurance - Do You Need Reassurance? Insurance versus assurance: what is the difference?Should you care?Yes!!The world of finance is extremely complicated and there are many factors to consider when choosing any financial protection product.When looking for a policy you need to know what you are looking for and what is on offer in order that you get the right cover for your needs. The Immorality of Guarantee Issue Health Insurance While there are genuine debates about whether privatized health insurance or nationalized health insurance policies make more sense, there can be little doubt that guarantee issue policies represent the most immoral type of hybrid between the two. The argument that everyone should be covered by health insurance is an argument for a nationalized health care policy. Why Would I Need Auto Insurance Specialists? If you do not understand the way that auto insurance works, you really need to deal with auto insurance specialists. These are the agents that work for the insurance companies and they can answer any questions you might have. The Awful Truth about Annuity and Insurance Leads You see the websites, you see the ads: exclusive, never before sold, prospects eager to buy, insurance and annuity Leads. Some leads cost a few dollars - others are over one-hundred a pop. Can I Get Affordable Dental Care? In the United States most companies offer their employees dental insurance, but yet many do not. They slip through the holes of the system - the in-betweeners - that have to pay, but struggle to pay the out-of-pocket expenses. Cheap Health Insurance Rates and Personal Health Insurance If you've been out of school for a couple of years or perhaps just graduated from college, you're probably a candidate for cheap health insurance. Once a person reaches a certain age they're no longer covered by their parents health insurance plan. How Will an HSA Save Me Money? The Health Savings Account (HSA) is a tool to help you save money on health insurance. But how does it do that?A Health Savings Account (HSA) is just a savings account. Discount Insurance - Get Affordable Coverage For All Your Insurance Needs Insurance is an important part of our lives. If you are shopping for health, auto, life or home insurance you may be shocked by the dramatically rising costs of insurance coverage. Do An Auto Insurance Comparison And Benefit From The Savings It is very important to do an auto insurance comparison when you need insurance for your vehicle. Even if you are happy with the quote you get from your regular auto insurance company, it helps to shop around just to make sure you are getting the lowest possible rate. Life Insurance Information Life insurance is a personal insurance plan designed to pay out a sum of money on the death of the policyholder. Life Insurance is an insurance that is taken out against a persons life.
|
| home | site map |
| © 2006 |
