Motor Vehicle Accident Insurance Claim Guide

This is a FREE Insurance Claim Guide

Your “Motor Vehicle” tin be a truck, car, motorcycle - - you name it! If it’s powered by a motor and have got 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 as a motor vehicle accident. It inside information the rudiments of how one should with their property damage and/or personal injury claim.

AFTER impact CHECKLIST

We heartily suggest you do a transcript of this "Impact Checklist" to be kept convenient within the confines of your motor vehicle. A “Guide” to mention to so you’ll be certain, should an accident take place, that you’ve covered everything.

Other than the fact that one must obtain from the other operator, both their drivers licence and motor vehicle registration information, you should also continue to make the following:

IMMEDIATELY make special note OF: Name Calling and computer addresses of oculus witnesses. And later the investigating police force officers name and badge number. weather CONDITIONS: Snow, rain, fog, mist, sleet, etc. road SURFACE: Dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, etc. VISIBILITY: Sunny, cloudy, dusk, night, moonlight, etc. (Was the sun in the other driver’s face)? traffic CONTROLS: Were there overhead lights? Posted velocity bounds signs? Stop or warning signs? Hospital or school zone signs? CREATE Type A DIAGRAM: Drive area: Flat, crowned, straight, curved, macadam, asphalt, concrete, cobblestone, dirt, etc. Bespeak the breadth of street. Show the location of impact, gouge and/or skid marks. status OF MOTOR vehicle THAT STRUCK YOU: Age and general overall condition. Are their state review spine displayed and up to date? Were iron or snowfall tyres needed? arsenic SOON arsenic possible tax return TO THE scene AND catch PHOTOGRAPHS: It’s most of import to take images of: Skid or gouge mark’s on the route surface plus the damage to both vehicles. photographs OF YOUR BODILY INJURIES: It's crucial to the ultimate value of your claim to catch a battalion of colored photographs (up stopping point and from different angles) of your carnal injuries - - especially all achromatic and bluish Marks or bruises.

INSIGHTS INTO handling YOUR claim (There Are Six Areas You Must Be Familiar With) 1. Out-Of-Pocket Expenses 2. Lost Time From Work - Lost Wages 3. Property Damage Losings 4. What Your Medical Doctor And/Or Chiropractor Reports Should State 5. Medical Payments Coverage 6. What To Make If An Adjuster Refuses To Cooperate

You Should Travel Into Detail Regarding These (Below Listed) Six Areas:

(1) OUT-OF-POCKET EXPENSES:These are disbursals that tin be measured in definite sums of money of money. They are the foundation of the computations used to present damages (including that often great and extra amount paid to you for your “Pain and Suffering”) regarding any financial loss flowing directly from the injury you may have got sustained.

MEDICAL EXPENSES: Obtain all measures and services rendered. (Prior to their beingness sent out, you have got ever right to inquire for and read the important Concluding Reports regarding your physical status from your Doctor, Chiropractor, “Medical Specialist” and/or Dentist).Medical Expenses Typically Include: Ambulance ~ Emergency Room ~ Hospital or Clinic ~ Lab Fees and Services ~ Diagnostic Tests: (X-rays and/or Connecticut Scan) ~ Registered or Practical Nurse Fees ~ Medicine and/or Prescription Medications ~ Prosthetic Appliances or Surgical Apparatus (Canes & crutch, etc.) ~ Physical Therapy ~ One Bandages, Gauze & Tape ~ Heating Pads ~ Creams, Ointments, Balms & Salves. As you read them do certain these Medical Reports include the length of clip of your “Total Disability” and/or your “Partial Disability”. These are of tremendous value because they warrant the often HUGE, extra payment made for your “Pain and Suffering” . (Plus this information will also turn out your claim for Lost Wages).

NON-MEDICAL DAMAGE EXPENSES. These include: Doomed Wages and Earnings ~ Lost Vacation Time and/or Ill Leave ~ Travel Expenses: (Transportation costs incurred getting to and from The Doctor and/or Hospital, etc.) ~ Household Aid During Disability ~ Child Care During Recuperation.

(2) doomed time FROM work - - doomed WAGES - - YOUR "LOSS EARNING CAPACITY": The weeks, hours and/or years you were not able to work (thus the money you may have got lost) is added up and documented on company letterhead. You’re often entitled to compensation for “Lost Time and Earnings” even if you have got got no existent loss of money ! Such as, for example, if your wage is paid by some other insurance coverage you may have or by taking ill leave of absence or some other similar arrangement. It doesn’t matter if you're employed full time, portion time, self-employed, ain your ain business, retired, unemployed, or a homemaker not employed outside the home, you should maintain a written record of all household aid and/or kid care needed during your disablement period.

All of these represent an component of your “SPECIAL DAMAGES” mainly "Lost Wages". Insurance companies usually don't see your clip away from work (because of an injury) as “Lost Time And Earnings” but as “Lost Earning Capacity”. In most states 1 is entitled to compensation for lost clip and earnings even if they have got no loss of money. For example, when your wage is paid for by another insurance coverage you have got or by taking ill leave of absence and/or some other similar type of arrangement. There are specific states of affairs to be considered and called to the head when it come ups to being employed either full-time or part-time. More elaborate information (regarding these above declared area’s of your loss) are establish in chapter four “Damages” within the book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.

(3) PROPERTY DAMAGE LOSSES: “AGREED COST TO REPAIR”: This figure have been negotiated between your damage repair individual and the insurance adjuster. Be certain you cognize (and possess a written transcript of) exactly what that figure is.COLLISION: There's usually a deductible. Read your policy. (If you’re not at fault you should eventually be able to get this money back).PROPERTY DAMAGE LIABILITY: Protects you for damages you make to the property of another (i.e. his or her trees, lawn, shrubs, mailbox, etc.) EXCLUSIONS: These are stated in your policy. A good regulation of pollex is, “If it’s not excluded, it’s covered”. Read your policy closely to discover your exclusions and how they apply. sum LOSS: A “Total Loss” is when the motor vehicle damage transcends the value of the vehicle, as declared within all of the up-to-date and “Official” Property Damage books and/or documents. OTHER PROPERTY DAMAGE LOSSES: Clothing, jewelry, watches, oculus or sunglasses, etc. You can also accumulate for your (or any other individuals) personal property which happened to be in the car and was damaged. (Be certain to have got written cogent evidence of the cost of each point damaged plus the day of the month it was purchased). Never forget: You’re entitled to be reimbursed for any charges you may have got incurred for towing, storage and/or replacement motor vehicle rental, or for that matter - - any other every other transportation.

The above is a very legal brief review. For more than in-depth information read chapter FIVE: PROPERTY DAMAGE establish in AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.

(4) WHAT YOUR MEDICAL doctor AND/OR chiropractor REPORT SHOULD STATE: Each “Injury Evaluation Factor” should be clearly stated within each of your concluding Medical Reports. For example: That your disablement is solely the consequence of the accident. If there were any pre-existing conditions aggravated by your injuries? What treatments were administered and for what duration? What medicines were prescribed, in what amounts and for how long? What symptoms or medical problems were such as medicines meant to relieve? Were there any adverse reactions demonstrated? Ask to read them before they're sent to the adjustor so you're sure it explicates the nature, plus the extent and frequence of the hurting that an injury, such as as yours, will likely cause.

PROGNOSIS: This is the clearly stated information (regarding your personal injury progress) and should include: The portion played by a pre-existing condition, if any? Their anticipation of any possible hereafter impermanent disability/impairments? Bashes the individual attending you expect any additional or future treatments? length OF YOUR “TOTAL” DISABILITY: Why? Because it's so of import (when it come ups clip to settle) this is clearly stated in hebdomads and days. length OF YOUR “PARTIAL” DISABILITY: Again (and for the same ground as above) this too should be clearly stated in hebdomads and days. (Specific details, regarding both “Partial” and “Total” Disability , and the unbelievable value it supplies for you in your claim, are establish in chapter SIX: YOUR BODILY INJURY).

(5) MEDICAL PAYMENTS COVERAGE: If you have got this coverage in your motor vehicle policy, it will pay (up to the bounds stated) for all medical measures arising out of the accident - - regardless of who’s astatine fault! (You must read your policy carefully because the “Who”, “Why” and/or “How” of this often differs).

A word ABOUT wellness INSURANCE PLANS: In certain instances, it may be possible to have got got your medical measures paid and yet avoid any repayment by tapping into your health insurance coverage, or some other program you may have. (Yes, this means, under certain circumstances, you may be able to accumulate twice for the same medical bills)!

(6) WHAT TO bash IF THE adjuster garbages TO COOPERATE? These Are Your Usual And Routine Choices: a. Endanger that you're going to obtain the services of a lawyer to stand for you. b. Go over the adjuster’s head. c. Resoluteness your loss in Small Claims Court. d. Contact the proper people (working through the State Department of Insurance) implementing the clip honored rule of “Good Faith” vs. “Bad Faith”.

All the information necessary for you to deal with and manage the above issues are spelled out within the table of contents of AUTO ACCIDENT PERSONAL INJURY INSURANCE claim (How To Measure And Settle Your Loss) establish on the internet at http://www.autoaccidentclaims.com Oregon http://www.caraccidentclaims.com. This book also incorporates base (The Baldyga Auto Accident Settlement Formula). THE base formula will state you exactly how many dollars the "Pain and Suffering" you endured are worth.

DISCLAIMER: The lone intent of this article is to assist people understand the motor vehicle accident claim process. Dan Baldyga, makes not offer a warrant of any sort whatsoever, NOR to replace for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such as as professional aid is desired it is the people RESPONSIBLY to obtain such services.

Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved.