There are DOZENS of insurance claim possibilities which will increase the
dollars awarded you in the settlement of your personal injury insurance claim.
Some of them rarely see the light of day but some do. The six I’ve listed below
are crucial for you to be aware of as you prepare to go to war with Adjuster
Henry Hard-Nose regarding the value of your loss. They are:

(1) EMOTIONAL REACTIONS TO YOUR INJURY: When it comes to placing a dollar
value on the “Emotional Reaction” of an injury one enters into an area where
most individuals, even experienced claims adjuster’s and Legal Beagles, are at a
loss.

Four often ignored “Characteristic Symptoms” can be: Confusion, Anxiety,
Depression and Denial. (“Denial”, that is, regarding the seriousness of your
injury and the constant pain you feel. This usually comes to pass when one
refuses to complain anything is seriously wrong, convincing themselves it will
work itself out).

If any of the above “Emotional Reactions” (which are a direct result of
“Characteristic Symptoms“) becomes a reality it would be wise for you to see a
shrink. Maybe you won’t immediately identify this as something you need to have
checked out but the person you climb into bed with probably will. When she tells
you you‘re not functioning (between your ears) all that well, listen up! If
that’s what you’re told you should swallow hard and obtain an expert’s opinion.
You may consider yourself a muscular "Power To Be Reckoned With" but you’re not
Superman so, talk to a specialist, explain what’s happening, and let it all hang
out.

Once you’ve been discharged, get that specialist’s written Medical Report and
hand it to Hard-Nose, along with the medical bills for your treatment. Is that
legit? The answer is absolutely, yes! Can he refuse to accept them and suggest
they add no value to your claim? The answer is absolutely, no!

(2) EMOTIONAL DISTRESS: Emotional distress is legitimate "Pain and Suffering"
and you should be compensated for it. For example, problems that may develop
over the effects of an accident within the area of your work or business, or
perhaps interfere with your sex life! Whatever it is that’s causing you problems
you should see a specialist. Keep going back to see him for as long as it takes
to return to normal. At the end of his treatment, when he's finally discharged
you, ask for and obtain his written report. Present that to Adjuster Henry
Hard-Nose along with the specialist’s bill for their services.

This is a legitimate expense and it positively gives your personal injury
more value !

(3) SECURING COMPENSATION FOR LIFE DISRUPTIONS: If your injuries caused you
to miss some special training you had arranged to take advantage of, you'll
probably, at some point, want to make that time up. The difficulty you may
experience in making up that missed time (or perhaps never again being able to
obtain it) has the potential to increase the value of your settlement. To
achieve this you must obtain written proof and present it to Adjuster Hard-Nose.

Also to be taken into consideration is a vacation you may have been unable to
take, or some recreational event’s in which you could not participate in and/or
a missed special event, like a wedding or a reunion, etc. All of these, properly
documented, add value to your claim because they are specific examples of the
inconvenience and discomfort you've endured as a direct result of your injury.

(4) YOUR AGE: In the evaluation of an individuals "Pain and Suffering", age
is always a factor because the older you are the longer the periods of Total or
Partial Disability will be. This will affect the course of treatment plus the
length of time of the "pain killers" you’ve been ordered to take. For example:
Over age 50 disability is about 10% to 15% longer, over age 60 disability is
about 20% to 30% longer, over 70 disability can be 35% to 45% longer and over 75
disability can often be 50% and longer.

(5) PRE-EXISTING MEDICAL PROBLEMS: Also pre-existing conditions are factor’s
that must be considered: For example: Arthritis, Sugar Diabetes, Pervious
Injuries and/or Previous Operations that have left you with on-going problems,
etc.

Whatever that pre-existing situation may be you should look to your attending
physician for advice. Don't avoid discussing this with him. If any doubt exists
you should insist your doctor refer you to a specialist for consultation. If
your physician is legit he'll agree. If he doesn't than kiss that
goodie-two-shoes "goodbye" and go dig up a specialist on your own. It's your
body and there's only one to a customer!

(6) ONE THING YOU SHOULD NEVER FORGET IS THAT THE VISIBLE DAMAGES TO YOUR
MOTOR VEHICLE CAN VERY OFTEN PROFOUNDLY AFFECT THE AMOUNT OF MONEY YOU'RE
EVENTUALLY PAID.

If your vehicle was badly smashed, that goes a long way proving that your
injuries were sever and therefore painful. You must snap photographs of your
motor vehicle. Shoot a couple rolls of colored and also black and white (black
and white because in some instances colored photographs cannot be entered as
evidence in a court of law). Take them from different angles and various
distances. Like for example, 30 feet away, then 15, then right up close.

Make two sets. One for you and one for Hard-Nose. Blow them up into 8X10
glossies and present them to him. Both the size of your repair bill and those
photographs will go a long way towards proving two important points: First, that
you know what you're doing and second, that the injuries you received from that
god-awful impact (and the long period of pain, suffering and discomfort you‘ve
had to deal with) - - if and when viewed by a judge or jury - - are proof
positive of what your injury caused your body to endure.