By: Dan Baldyga

In 2002 there were reported to be “An estimated” six million three hundred and fifteen thousand motor vehicle accidents in the United States for that whole year. That figure comes down to about 17,301.37 accidents per day !

Also in 2002, there were 2.9 million injures and 42,815 people were killed. An average of 115 persons die each day in motor vehicle crashes in the United states - that made it about one every 13 minutes !

#1.     Motor vehicle accidents are third in the “Top 10 Causes” of Safety & Health Incidents in the whole United States.

#2.     86% of these (above) “Reported-Accidents” involved only one driver. (I state “Reported” so as to protect thousands of individuals financially, HOWEVER - - many are not)!

#3.     One third were caused by drivers losing control of the vehicle and leaving the road. Another third was caused by the vehicle being struck from behind.

Hand-held (or even hands-free) cell phones led to highly significant “Problems” in all drivers performance. (It’s not clear yet exactly how many of these “Problems” caused an accident in 2003 but they are far too dangerous to operate while driving) !

“Why should I question my agent”? You may justifiably ask.

The answer to that one is very simple, “Because your insurance carrier may never tell you“ !

#1.     Should they decide your motor vehicle is a “Total Loss” how do they then determine the value of your vehicle?

#2.     Are you entitled to payment for sales tax and registration fees for a new car? (Today there are 29 states that do, so don’t let this one slip out of sight because yours may be one of them).

#3.     In some states you’re entitled to a “Diminished Value“. How about yours?

#4.     What does it mean to “Stack” your coverage? Ask your agent because you may be doing that. If he does, how much money can you save or lose?

#5.     If you do indeed make a claim how would and/or could that increase your rates? (Maybe you shouldn't) ? Again, ask your agent. If he’s “legit” he'll tell you!

#6.     Will your credit history dramatically affect your auto insurance premium ? If so what suggestions does your agent have to get around this problem?

#7.     Will paying in installments increase your overall bill? (If that’s true, and the way he now has it set up, how much money could you save by doing this some other way)?

#8.     Other than your own Home Owners Policy is the personal property in your car covered by your auto insurance? (If he gives you a flippant answer like, “Oh yeah, don’t worry about that”. Ask him to show you exactly where that’s stated in the auto insurance policy).

There’s no doubt that Auto Accident “Insights” become a reality and/or change. It’s for those reasons that PhysicansPlus.Net continues to supply this information to its readers. Please believe Dan Baldyga when I say, “It’s a pleasure to attempt to bring the readers of this absolutely sensational Newsletter up-to-speed” !

DISCLAIMER: The purpose of this article "AUTO ACCIDENT INSIGHTS - -  AS OF LATE 2004" is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Dr.George Langlitz III nor PHYSICANSPLUS.NET 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.

Dan Baldyga has a  lifetime of experience in moor vehicle accidents, personal injury and compensation. Over the years Dan has written several books on this subject matter. In his books Dan reveals insurance industry secrets surrounding these types of claims.  All of the information necessary for your to deal with and handle the above issues are spelled out in his third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss)  found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book reveals, in simple language, “How To” handle your property damage claim so you won’t be taken advantage of. It also goes into detail regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA explains how to determine the value of the “Pain and Suffering” you endured - - because of your personal injury !

Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved.