Auto Accident Personal Injury Insurance Claim: How to Evaluate and Settle Your Loss

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Auto Accident Personal Injury Insurance Claim: How to Evaluate and Settle Your Loss

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  • 製本 Paperback:紙装版/ペーパーバック版/ページ数 140 p.
  • 商品コード 9781588203281
  • DDC分類 368.014

Table of Contents

Introduction                                       xi
First Things First 2 (5)
Promptly Notify
Accidents Involving The Government
Contact With Your Own Insurance Company
Contact With The Other Drive's Insurance
Company
Statue of Limitations
You Were the Victim of a Tort 7 (3)
What Is A Tort?
Who Is Responsible?
Minors And Parents And Family
What Financial Rewards Can You Expect?
Basic Rules Of Liability
Gathering Accident Facts 10 (10)
The Eye Witness
Photographs
Newspaper Accounts
Developing A Diagram Of The Accident Scene
The Police Report - If There Is One
Crash Evidence
Place Yourself In The Other Driver's
Position
School Records
Damages 20 (7)
Medical Special Damage
Non-Medical Special Damage Expenses
Property Damage Expenses
Compensatory Damages
Lost Time And Earnings
If Your're A Housewife
Sick Leave Or Vacation Pay
Lost Opportunities
Your Age
Household Help, Child Care And Travel Costs
Gross Pay Vs Net Pay
Property Damage 27 (4)
Actual Cash Value (Acv)
Some General Considerations
Total Loss
Depreciation
Fair Market Value
Other Property Damage
Your Bodily Injury 31 (17)
What Does The Injury Mean To You
Signs And Symptoms
Types Of Injuries
Minor Bodily Injuries
Pain and Nerve Impulses
Spinal Cord
Strain And Stress
Anxiety
Emotional Reactions
Muscles
Referred Pain
Tendons And Ligaments
Atrophy
Scars
Joints
Arthritis
X-Ray Examinations
Whiplash
Your Doctor Or Chiropractor's Role
Documenting Your Disability
Total Disability And Partial Disability
What A Medical Report Should Contain
Subjective Complaints
The ``Senior Citizen'' Crash Victim
Hospital Records And Reports
Demonstrating Your ``Pain And Suffering''
Residual Or Permanent Injury
Emotional Distress
Securing Compensation For Life Disruptions
Missed Vacation Or Recreation
Cancelled Special Event
Insurance Adjusters 48 (5)
Who They Are And How They Work
The Adjuster's Claim Load
The Initial Contact
Your Statement - Signed Or Recorded
Tape Record Your Meetings
Have A Witness Present
Examination By The Insurance Company Doctor
Base the Baldyga Auto Accident Settlement 53 (8)
Evaluation Formula
The Core Value
The Premium Value
The Low Value
The Mean Value
Three Settlement Evaluation Examples
Calculating The Settlement Value
How to Negotiate with an Adjuster 61 (5)
The ``Reasonable'' Factor
The Negotiation Process In Action
Be Willing To Wait
Stay On Top Of Your Claim
Handling The ``Negative'' Adjuster
Settlement Authority
Stalemate! You and the Adjuster Agree to 66 (5)
Disagree
Going Over The Adjuster's Head
Small Claims Court
Contacting The State Department Of Insurance
The Threat Of A Lawsuit
No-Fault Insurance a General Discussion 71 (6)
States With No-Fault Jurisdiction's
``Add On'' ``Monetary Threshold'' And
``Serious Injury Threshold''
States With ``Add On'' Coverage
``Choice'' No-Fault
States With ``Monetary Thresholds''
States With ``Serious Injury'' Thresholds
The Bottom Line Regarding No-Fault
Some Various Insurance and Claim Handling 77 (10)
Insights
Property Damage Liability Coverage
Comprehensive Coverage
Collision Coverage
Uninsured And Underinsured Motorist Coverage
Medical Payments Coverage
Arbitration
Appendix A Initial Personal Checklist Regarding 87 (2)
Your Accident
Appendix B Statutes Of Limitation 89 (3)
Appendix C Locating A Missing Witness 92 (2)
Appendix D After Impact Checklist 94 (6)
Appendix E Sample Of A Lost Wage And Earning 100(2)
Verification Document (Full or Part Time)
Appendix F Self-Employment Affidavit 102(2)
Appendix G Checklist Of Personal Injury Damages 104(3)
Appendix H State Listing Of Small Claims Court 107(1)
Limits
Index 108