Total Disability and/or your Partial Disability

All Rights Reserved.The information below is a bare-bones Guide for those who have had such a motor vehicle accident. (Was the sun in the other driver's face)? TRAFFIC CONTROLS: Were there overhead lights? Posted water spray nozzles limit signs? Stop or waing signs? Hospital or school zone signs? CREATE A DIAGRAM: Driving area: Flat, crowned, straight, curved, macadam, asphalt, concrete, cobblestone, dirt, etc. ROAD SURFACE: Dry, wet, slippery, icy, etc.AFTER IMPACT CHECKLISTWe heartily suggest you make a copy of this "Impact Checklist" to be kept handy within the confines of your motor vehicle.The above is a very brief review. b. Resolve your loss in Small Claims Court. For example: That your disability is solely the result of the accident.INSIGHTS INTO HANDLING YOUR CLAIM (There Are Six Areas You Must Be Familiar With) . There are specific situations to be considered and called to the forefront when it comes to being employed either full-time or part-time. What To Do If An Adjuster Refuses To CooperateYou Should Go Into Detail Regarding These (Below Listed) Six Areas:(1) OUT-OF-POCKET EXPENSES:These are expenses that can be measured in definite sums of money.) EXCLUSIONS: These are stated in your policy.

PROPERTY DAMAGE LIABILITY: Protects you for damages you do to the property of anothe.  Property Damage Losses . (Plus this information will also prove your claim for Lost Wages). For more in-depth information read CHAPTER FIVE: PROPERTY DAMAGE found in AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM. Never forget: You're entitled to be reimbursed for any charges you may have incurred for towing, storage and/or substitute motor vehicle rental, or for that matter - - any other alteate transportation. LOST TIME FROM WORK - - LOST WAGES - - YOUR "LOSS EARNING CAPACITY": The weeks, hours and/or days you were unable to work (thus the money you may have lost) is added up and documented on company letterhead.

MEDICAL PAYMENTS COVERAGE: If you have this coverage in your motor vehicle policy, it will pay (up to the limits stated) for all medical bills arising out of the accident - - regardless of who's at fault! (You must read your policy carefully because the Who, Why and/or How of this often differs). They are the foundation of the calculations used to award 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 sustained. Threaten that you're going to obtain the services of a lawyer to represent you. A Guide to refer to so you'll be certain, should an accident take place, that you've covered everything. PROPERTY DAMAGE LOSSES: AGREED COST TO REPAIR: This figure has been negotiated between your damage repair person and the insurance adjuster. d.Other than the fact that one must obtain from the other operator, both their drivers license and motor vehicle registration information, you should also proceed to do the following:IMMEDIATELY MAKE SPECIAL NOTE OF: Names and addresses of eye witnesses. WEATHER CONDITIONS: Snow, rain, fog, mist, sleet, etc. As you read them make sure these Medical Reports include the length of time of your Total Disability and/or your Partial Disability. A good rule of thumb is, If it's not excluded, it's covered.

This book also contains BASE (The Baldyga Auto Accident Settlement Formula). (Yes, this means, under certain circumstances, you may be able to collect twice for the same medical bills)! WHAT TO DO IF THE ADJUSTER REFUSES TO COOPERATE? These Are Your Usual And Routine Choices: a.About The AuthorFor over 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and Trial Assistant. CONDITION OF MOTOR VEHICLE THAT STRUCK YOU: Age and general overall condition. his or her trees, lawn, shrubs, mailbox, etc. These are of enormous value because they justify the  often HUGE, extra payment made for your Pain and Suffering .

These include: Lost Wages and Eaings ~ Lost Vacation Time and/or Sick Leave ~ Travel Expenses: (Transportation costs incurred getting to and from The Doctor and/or Hospital, etc. (Specific details, regarding both Partial and Total Disability , and the incredible value it provides for you in your claim, are found in CHAPTER SIX: YOUR BODILY INJURY). What Your Medical Doctor And/Or Chiropractor Reports Should State 5. In most states one is entitled to compensation for lost time and eaings even if they have no loss of money