Personal injury insurance claims are mostly based on how badly your body was hurt, how much money you had to pay for medical care, and how much "pain and suffering" you had to go through because of the injury.
What else does the injury mean to you besides messing up your body (and sometimes your love life)? It means you'll have to pay a lot of money to fix your car, pay for lost wages, change your lifestyle, deal with a lot of trouble, and feel pain and discomfort for a short or long time because of your injuries.
Also, there is a long list of medical costs that could happen. For example: Doctor/Chiropractor, Prescription Drug Bills, Ambulance, Emergency Room Care, Hospital or Clinic, Specialist and/or Dentist, Laboratory Fees and Services, Diagnostic Tests, X-Rays and (CT) Scan, Prosthetic Appliances or Surgical Apparatus (Canes & Crutches), Physical Therapy, Registered and/or Practical Nurse Fees, Gauze and Tape, Ace Bandages. The insurance company has to pay for all of these
Also, creams, lotions, ointments, balms, salves, etc. (If the woman in your life uses any of these on your aching body, I'm sorry to say that you can't claim the cost of her work.)
ALL OF THE FOLLOWING MUST BE PAID FOR BY THE INSURANCE COMPANY: Even though only a small number of car accidents lead to big, serious injuries, that doesn't mean you shouldn't get paid big, serious money!
EXAMINATION BY THE INSURANCE COMPANY DOCTOR: Claims Adjuster Henry Hard-Nose of Rock Solid Insurance will usually try to pull a fast one by telling you he wants you to be examined by the doctor of his choice, Dr. Nuttin' Wrong, the local medical con man with the worst reputation. Be wary of a request like this. In the reports they are paid a lot of money to write, the doctors who work for your insurance company are known for saying, "There is no objective basis" for your complaints.
You don't have to let Dr. Nuttin' Wrong check you out. Rock Solid Insurance can't make you see their doctor unless your claim becomes a formal court case. So, stay put until your doctor, Ole "Doc" Comfort, tells you it's okay to move. After that, it's fine to agree to be checked, since it's too late to say no. So much time will have passed that Dr. Wrong won't be able to help you feel less pain, discomfort, and suffering from your injury.
WHAT TO DO ABOUT YOUR MEDICAL BILLS IF YOU MAKE THE MISTAKE OF HAVING ATTORNEY I. M. SHARP REPRESENT YOU: If it's clear that you weren't at fault, tell the Legal Beagle you hired, I. M. Sharp, Esquire, that you don't want his contingency fee to be taken out of the money he gets for fixing your car, paying your medical bills, or making up for lost wages. You tell him that these are damages you would have gotten no matter what, whether he took care of your case or you settled it yourself. Don't be so stupid as to give him a big chunk of what the insurance company was going to pay you anyway, whether Attorney Sharp worked on the case or not. It's the height of financial stupidity to do this!
YOUR BODILY INJURIES: It's a fact that most people who get hurt in car accidents only get minor injuries. Pain from injuries can be measured, but you can't tell exactly how much you can take. Everyone has a different "pain threshold," or the point at which they start to feel pain. The kind and amount of pain you feel is not always directly related to how badly you were hurt. It has a lot to do with what you've been through before, how well you remember it, and how well you can understand what hurt you and what happened because of it.
Physical pain is made worse by stress and strain, and personal anxiety will make it much worse. There are also feelings that come up because of the injury. A physical injury will always cause some amount of mental stress. The length and severity of this depends on who you are, what the long-term effects of your injury will be, and what stresses or strengths you're going through in your life at the time of your injury. (If you can't stand her and she takes a pill, it will hurt less than if you really liked her and she dumped you for your best friend.)
When it comes to muscle injuries, one thing to keep in mind is that when one part of the body needs rest (by sending out a pain signal), you help your body by putting a new load on other muscles without even realising it. Even though those muscles might not have been hurt directly in the accident, they can still get messed up and cause a lot of pain because of their new job.
WARNING: The only reason for this claim tip is to help people understand how to file a claim for a car accident. Dan Baldyga and (name the magazine/newsletter and/or website) don't make any kind of guarantee. They also don't claim to offer any kind of professional or legal service or to be a replacement for a lawyer, an insurance adjuster, a claims consultant, or someone else in a similar position. When this kind of professional help is needed, it is UP TO THE INDIVIDUAL TO GET IT.
