There’s nothing that has a greater impact on evaluating a personal injury
insurance claim than the damage done to your body, the medical bills that are a
direct result of that injury and the “pain and suffering” you were forced to
deal with.

Besides botching up your body (and sometimes your love life) what else does
the injury mean to you? It means a ton of financial expense’s, including
repairing your motor vehicle, lost wages, a shock to your life style, a
tremendous inconvenience and short or long periods of pain and discomfort - -
all of it a direct result of your injuries.

Plus, there's a long list of possible medical expenses. 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 all of which the insurance company must
pay whether they like it or not!

Also, Creams, Lotions, Ointments, Balms and Salves, etc. (Should the lady in
your life apply any of these to your aching body I'm sorry to tell you this but
her labor is not an expense you can claim).

YOU MUST BE COMPENSATED BY THE INSURANCE COMPANY FOR ALL OF THE ABOVE: It's
true that a very small percentage of motor vehicle accidents cause big, serious
injuries but that doesn't mean you shouldn't be paid big, serious bucks!

EXAMINATION BY THE INSURANCE COMPANY DOCTOR: Claims Adjuster Henry Hard-Nose
of your Car
Insurance firm will usually try to pull a fast one
insisting he wants you to be examined by the physician of his choice, the local
medical con-man of all time, Dr. Nuttin' Wrong. Beware of such a request.
Doctors assigned by the insurance company are notorious for stating, in the
report they're paid big bucks to execute, "There is no objective basis", for
your complaints.

You don't have to agree to be examined by Dr. Nuttin' Wrong. Rock Solid
Insurance cannot insist that you submit to their doctor for an examination
unless your claim actually becomes a formal court case. So, hold your ground
until your attending physician, Ole “Doc” Comfort, has released you. After that
it's okay to agree to be examined because by then it's too late! So much time
will have passed it will be impossible for Dr. Wrong to minimize the pain,
discomfort and suffering your injury has caused you.

WHAT TO DO ABOUT YOUR MEDICAL BILLS IF YOU MAKE THE MISTAKE OF OBTAINING
LEGAL HELP FROM ATTORNEY I. M. SHARP: Should yours be a case in which there's no
question that you're not at fault, make it clear to the Legal Beagle you've
hired, I. M. Sharp, Esquire, that you expect his Contingency Fee will not apply
to that which he recovers for the damage to your car, your medical bills, and/or
your payment for lost wages. You tell him these are damages you would have
collected ANYWAY - - whether he was handling the case for you or if you settled
it yourself. Don't you dare be foolish enough to hand him a huge percentage of
that which you were going to be paid by the insurance company, whether Attorney
Sharp handled the case or not. To do so is the height of financial stupidity!

YOUR BODILY INJURIES: It's a proven fact that the vast majority of motor
vehicle accidents cause minor injuries. While bodily injury pain can be
specifically measured the limits of what you can endure cannot. Each of us has a
different "pain threshold" - - that is, the point at which we begin to feel
physical pain. The amount and quality of pain you feel is not strictly dependent
on the bodily injury inflicted. It has a lot to do with your previous
experience, how well you remember it, and your ability to understand what caused
you that pain, and its consequences, the last time around.

Stress and strain magnify physical pain plus personal anxiety will greatly
increase it. There are also emotional reactions to the injury. A bodily injury
is bound to cause some degree of mental distress. The duration and severity that
depends on a number of factors: The type of individual you are, the ultimate
consequences of the injury you sustained, and the life stresses or strengths
you're experiencing at the time of your injury. (If you can't stand her and she
takes a powder you’ll handle your pain better if you really dig the chick and
she dumped you for your best friend)!

When it comes to muscle injuries one thing you must keep in mind is that when
one part of the body demands rest (by sending out a pain signal) and - - without
your even realizing it - - you help your body by placing a new burden on other
muscles. It gets complicated because although those muscles may not have been
directly injured in the accident, they can still get buggered up and produce a
lot of pain because of their new role.

DISCLAIMER: The only purpose of this claim tip is to help people understand
the motor vehicle motor vehicle accident claim process. Neither Bruce Gow  nor
http://www.insurancehq.com.au
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. Where such professional
help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.