Placing A Value On Your Personal Injury Claim

Your Medical Doctor or Chiropractor has released you from treatment for your motor vehicle accident and enough time has passed so youre about to position yourself to sit down with Adjuster Henry Hard-Nose. His employer is Rock Solid Insurance, the company who insures Fred Fuddle, the individual who plowed into your rear end, smashing you with a tremendous crash which was responsible for your injuries plus the Pain and Suffering youve had to endure.

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

LIABILITY: In the vast majority of motor vehicle accidents its clear who was at fault. Assuming that Fuddle struck you a mighty 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 accidents that took place in 2003 its clear who was at fault) !

The very doubtful liability case has little, if any, settlement value. If thats the situation you should obtain the services of the local Legal Beagle who does a good job at that, Attorney I.M. Greedy. But, if you do, be very careful when you sign Greedys Contingency Fee Agreement. Read it closely. Dont sign anything that will let him charge you one penny, other than his normal 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 hes successful at busting loose some bucks from Rock Solid) is his fee and that should be no more than the usual locally published accepted percentage 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 obtain the services of a lawyer. But, if youve had minor injuries like whiplash, bumps, bruises, sprains and/or strains (and it's clear you're not at fault) you can handle and settle the claim yourself.

TYPE OF PERSON YOU ARE: Rate yourself and be brutally honest. Youre most likely an average motor vehicle owner/driver, living a normal life. But, if youve 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 consideration when forming expectations regarding what your case is worth.

THE TYPE OF PERSON FRED FUDDLE IS: The better Fred Fuddle looks, or the better the "entity" (Fuddles business or company, etc.) appears, the better for Rock Solid. But, if Fuddle is a known bookie or drug dealer, theyre 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 Special Damage Expenses, Non-Medical Special Damages Expenses, and/or your Property Damage Expenses.

MEDICAL SPECIAL DAMAGE EXPENSES: These typically include 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), Physical 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 Medical Special Damage expenses dont overlook one single dollar because, when it comes time to settle 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 $20.00 bill can be worth $80.00 to $100.00 more ,in your pocket, from Rock Solid Insurance, at settlement time).

NON-MEDICAL SPECIAL DAMAGES: These typically include Lost Wages and Earnings, Lost Vacation time and/or Sick Leave, Travel Expenses (car rentals, public transportation, expenses incurred getting to and from your Chiropractor and/or hospital and/or physical therapy treatment of some sort) Household Help during disability and/or Child Care. Be sure to obtain written proof of such "Non Medical" Special Damages.

LOST WAGES: The income you lost, because you were unable to work, is an area where adjusters take terrible advantage of the typical claimant because they know so little about it.

Commissions and overtime can make a huge difference in your lost earnings. Be sure to get a letter from your employer, on their official letterhead, explaining that in detail. Or, if youre self-employed, get this information 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 youre entitled to compensation 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 company insurance coverage, or by taking sick leave, or some similar arrangement.

Even if youre salaried you should obtain a "Lost Earnings", or "Time Lost Verification", in writing on your employers letterhead.

IF YOURE SELF-EMPLOYED: To prove your lost earnings youll probably have to assemble some inside information for Hard-Nose. If you dont like the idea of submitting private documents to him, in the privacy of your home or office, just think how youd 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 collect adequate compensation, thats your only alternative.

TWO CRITICAL AREAS REGARDING LOST WAGES: Did the injury necessitate a change 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 answer to either question is Yes, it would be wise to ask your employer to document these facts on their letterhead.

ITS CRUCIAL FOR YOU TO KNOW: Even if youve been paid while out of work, you can still compute your time lost from work as Lost Wages .

PROPERTY DAMAGE EXPENSES: These typically include 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 sufficient to give him.

YOUR AGE: Because of their obvious innocence, insurance claim accident victims, up to the age of 12, generally have excellent settlement results. Those in their teens, and into their late 50s, fall into a fairly normal category because theyre generally considered to be at the height of their physical stamina. Those in their late 60s, and over, usually fare extremely well; primarily due to the sympathy thats often invoked, from a judge or jury, because of general attitudes regarding frailty and the elderly.

MOST IMPORTANT TO REMEMBER:The information Hard-Nose places into your file plays a major role in the ultimate 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 addition to the information youve documented for him) could have massive influence on the value of your claim - - especially if Fuddle is a loser and hes absolutely in the wrong. At that point the only thing stalling a settlement is the amount of money its 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 positive 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 information 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" !

Copyright (c) 2005 by Daniel G. Baldyga. All Rights Reserved

DISCLAIMER: The purpose of this "How To" Insurance Claim Article "PLACING A VALUE ON YOUR PERSONAL INJURY CLAIM" is to help people understand the motor vehicle accident 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 INDIVIDUALS RESPONSIBILITY to obtain said services.

Dan Badlyga has had 3 "How To" Insurance Claim books published, the last being AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle 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" handle your motor vehicle property damage and/or personal injury claim. It also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will explain how to determine the value of the "Pain and Suffering" you endured - - because of your motor vehicle accident injury!

Dan Baldyga spent over 3 decades within the area of Insurance Claims, as an Adjuster, Supervisor and then Manager. He was then promoted to Trial Assistant where he worked another 5 years on thousands of Insurance Claim case.

eMail: dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss) - http://www.autoaccidentclaims.com

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Finding MLM Software

One of the keys to running a good MLM program is the ability to manage affiliates without spending too much money. Lucky for you, there are MLM software programs out there that can help. They vary in type and effectiveness, so you must look through them and determine what will work best for you. Some are literally junk and others run like a charm. Don't hesitate to check reviews of the software and also check testimonials.

One type of MLM software that you will commonly find is stand alone software. For this type, you would pay one fee to actually own the program. Once you have installed it on your server, it is easy to get it integrated with your other systems. Generally this type of MLM software has a lot in the way of functionality and does not cost you a lot after the initial fee. On the other hand, it does need to be installed, and you may have to hire someone to do that for you. You may also find that you need more web space and thus have to upgrade your hosting service. If you are skilled enough, you will be able to install this software on your own, eliminating the extra cost.

Another type of MLM software is hosted. In this case, a third party provides the program to you. They actually host the program and then charge you to access it. The best part about this type of MLM software is that it requires no real skill. In addition, upgrades are put out on a regular basis in most cases. Also, up front cost is usually lower. On the downside, fees are there every month and often increase with volume. So it actually costs you more as you have more success.

MLM software can and should be a big part of your business plan. It can help you track your business while also increasing your customers and recruits. The key is to find the type of software and particular version that is right for you. Aside from stand alone and hosted software there are also other types that may interest you. The best thing you can do is simple investigation to find out what will work for you. Do some searches on the internet to determine what is available and what would best suit your particular situation. I prefer to use google as my search engine of choice and most of the time I get good results.

Keith Londrie II is a well known author. For more information on Identity Theft, please visit MLM Information for a wealth of information. You may also want to visit keith's own web site at http://keithlondrie.com/

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Lowering Your Cholesterol in Different Ways

Available for lowering your cholesterol levels are various low cholesterol diet options. One of these options is the Mediterranean diet. This diet helps by replacing the saturated fat from your usual meals with monounsaturated fats. When it comes to improving high cholesterol values, studies have shown that this low cholesterol diet is one of the most effective diet therapies.

You can lower your LDL-cholesterol levels without lowering your heart-protective HDL-cholesterol levels by simply substituting monounsaturated and polyunsaturated fats for saturated fats in your diet. The main sources of monounsaturated fatty acids include peanut butter, olive oils, peanuts and peanut oil. Recent studies have shown that almonds help reduce the risk of heart disease and may lower LDL-cholesterol levels.

Limiting the amount of saturated fat in your diet to just 10 percent of daily calories and also reducing the total fat intake to 30 percent of daily calories is another low cholesterol diet recommendation. In the first phase of this standard nutritional approach, dietary cholesterol intake is limited to less than 300 milligrams per day.

In the second step of this low cholesterol diet, dietary cholesterol and fat calories are limited even further. For those who wish to reduce their weight along with their cholesterol these low cholesterol diet phases do a wonderful job, but remember that this diet may lower the HDL cholesterol as well as the LDL. Consult your doctor or a registered nutritionist in order to determine which low cholesterol diet strategy is best for you.

When treating overweight individuals with high cholesterol levels, the combination of weight reduction through exercise and diet has a positive benefit on the cholesterol numbers. Not only do you get to promote the reduction of high cholesterol levels, but you also get to reduce other coronary heart disease risk factors by simply:
decreasing diabetes risk
reducing triglyceride levels
reducing blood pressure
raising HDL cholesterol levels

In order to design a workout program and a low cholesterol diet that suits you best, it is recommended that you speak with your healthcare provider for more information. In some cases, the healthcare provider may prescribe you medication. Remember that when you begin a medication therapy program, side effects may appear. It is highly important to discuss them with your doctor and be sure to adhere to your medication program.

Jean Helmet is a content editor who focuses on a wide array of niche health topics. Her latest website - Natural Cholesterol Supplement focuses on cholesterol as a whole, and in particular, a natural product our editors personally use with excellent health results known as - Cholest-Natural

Be sure to check out our cholesterol product of choice, it is the natural supplement we use and recommend to friends and family, and have done for over 3 years.

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Credit Cards are Sure Way to Bankruptcy?

Have you heard about bankruptcy and do you know what it means to file for it? Yes, to go bankrupt sounds awful but in fact a great number of people announce themselves bankrupts every year and no one has found it impossible to recover from it so far.

Well now, there are many reasons you can go bankrupt but all of them boil down to the same thing bad spending habits and improper money management. And it becomes all the more easy today to display bad spending with credit cards.

Credit cards give you boundless freedom to spend but it is only a seeming permission. Your creditors invite you with attractive initial rates, keep you with generous rewards and have you spending more and more in chase of these rewards.

You find it irresistible to keep from pulling out your plastic monster each time you drop in at a nearest fast food even if it is a simple cup of coffee. In the end you get into deep financial trouble and bankruptcy is often the result.

Cardholders opinions on the bankruptcy matter very often polar. Some think it is the end of the world, others find it a perfect way to avoid financial obligations connected with credit card debt. While the second issue is under consideration of the Bankruptcy Law, the fist one is perfectly clear. It is NOT the end of the world and there are points proving that.

People think that they will lose everything as the government will sell all their property and they will have to start a new life with almost nothing to begin with. Calm down. It is not quite so. Certain kinds of assets like your house, a car, money in retirement plan and your clothing are protected by the law of every state and most people passing through bankruptcy keep everything they have.

People think everyone will know about their complete insolvency and their reputation will be killed. Dont worry. If you just an ordinary citizen, do not work in a major company and is not connected with the media somehow, your bankruptcy will be known only to your creditors and relatives.

There is an opinion that if you are married, you have to file for bankruptcy together with your spouse who is actually at fault. Not necessary. If you have separate accounts, you are liable only for your own debts. However it often happens that the partners both have their names on the account and in this case they file together.

Many are afraid that they will lose eligibility for a new credit in the future. But their fears are not grounded. Credit card companies, especially those that offer credit cards with no or bad credit history will be glad to have you as a client. Of course, it is more profitable for creditors as they charge you higher interest rates but on the other hand you get a perfect chance to re-build your damaged credit history, provided you display strong discipline and pay all your credit card bills duly.

Some bankrupts think that the filing itself will improve their credit rating as it will wipe out all the debts. It is completely wrong. First of all, some types of debts cannot be discharged. We speak here about child support, government-issued student loans and debt which are the result of fraud. Second, bankruptcy is the worst record in your credit report and it affects your creditworthiness and credit file for as long as 10 years.

But for the last point, everything speaks for the fact that bankruptcy can be easily faced, though really unpleasant it is. It is not an advertisement of bankruptcy but you should know that is isnt so awful as it is spoken of and you should go and file for it if the situation demands that.

Sometimes, cardholders who are really in serious debt, avoid doing it and the debt spiral leads them to suicide. Get the truth about bankruptcy and use it to save your finances and reputation.

Juana D.Wilson writes for Credit-cards-guru.com. She has been working in the field of personal finance management for 6 years dealing with credit card issues.

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