SPECIAL FOR THE READERS OF PHYSICIANS PLUS

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~ADJUSTER HENRY HARD-NOSE ~

AND YOUR “PAIN AND SUFFERING”

By: Dan Baldyga

WHEN IT COMES TO A MOTOR VEHICLE ACCIDENT YOUR “PAIN AND SUFFERING” IS WHAT YOU GET PAID BIG BUCKS FOR: It’s an absolute necessity that you ask your Chiropractor to provide you with medial attention as soon as possible after you've been smashed into. This decision can make the difference between ending up with a fistful of thousand dollar bills, or a “Nuisance Value” settlement - - a small payment made to close the case.

Your claim of bodily injury has no credibility with Adjuster Henry Hard-Nose unless it’s been verified by the personal injury report executed by your Chiropractor. If you don’t obtain his services, but still attempt to justify an injury that produced "Pain and Suffering" (and also contend you’ve lost time from work) Hard-Nose is not going to buy it. At the end of the day you won’t be paid much, if anything at all, for your loss.

IF YOUR INJURY IS RELATIVELY MILD: Under normal, routine circumstances your Chiropractor will probably see you five to eight times without providing any complicated treatment. You may be x-rayed, prescribed some pills, told to rest a few days,weeks (or even months) and possibly be advised to avail yourself of heat therapy, to be administered, by your honey, at home.

IF YOUR INJURY IS MORE SERIOUS: You may have to wear a cervical collar (a neck brace) for a few weeks. This can be uncomfortable but it will assist in your physical recovery and produce a higher settlement value of your claim. Your Chiropractor may refer you to a specialist, such as an Orthopedist (a bone doctor) or a Neurologist (a specialist in nerve damage).

MINOR BODILY INJURIES: The vast majority of motor vehicle accidents cause minor injuries. Bodily injury pain cannot be specifically measured (temperament and psychological factors are involved) nor can the limits of human endurance. Each one of us has a different “pain threshold". That is, the point at which we begin to feel physical discomfort.

The amount and quality of pain you feel is not strictly dependent on the bodily injury inflicted. It has much to do with your previous experiences, how well you remember them, and your ability to understand the cause of the pain and its consequences. For example, the ex-Hockey player will probably experience a blow much differently than the individual who was never able to play contact sports because to help with the family income he had to find employment and work, full time, at an early age.

HOW MUCH PAIN CAN A PERSON STAND? There’s no specific answer to that question. Sudden pain, even of less intensity than, for example, a serious burn, can overwhelm the higher nerve centers; so much so that a man could faint.

Is Hard-Nose aware of and understand all of the above? You can bet your last dollar he does!

NEGOTIATING A PERSONAL INJURY SETTLEMENT

HARD-NOSE AND YOUR PHYSICAL ANGUISH: Don’t kid yourself that Hard-Nose can’t get a handle on, nor understand, the "Pain and Discomfort" you’ve been through. He can but even so he’ll try to act as though what you’ve been experiencing is no big deal. Why? Because he knows your claim will cost a lot more money if you get the idea he understands what you’ve been through, regarding the impact your body was subjected to. Hard-Nose is well aware of where you’ve been, and where you’re coming from, because he negotiates with injured people, day in and day out (all of them struggling with your identical problems) as he goes about the business of settling cases that involve "Pain and Suffering. He handles identical issues every hour of his work life. He knows what you’re going through but (and never forget this) his job is to make you believe your over exaggerating your complaints. QUESTION: "How can Dan be so sure about that"? ANSWER: "Because that's what he did for over 30 years"!

He’s fully aware of all there is to know about Hard Injuries vs.Soft Injuries. He’s constantly in contact with the twisted, bruised, battered, pulled and snapped problems of pain that people must endure because of injured Tendons and Ligaments, Muscle Strain and/or Spinal Cord injuries. Each and every day he’s exposed to the wide range of problems that injured people must endure. These also include Stress, Anxiety and/or Emotional Reactions. Hard-Nose may be a low down, heartless, and often uncaring but he’s no dummy when it comes to comprehending the legal concept of “Pain and Suffering“. His paycheck depends upon how well he understands these factors. Why? Because they’re so dramatically involved in the amount of money that’s paid out (when it comes to such matters) by the corporation he makes his living stonewalling for. So, you may ask, exactly how does Henry Hard-Nose make his living? The answer to that one is very simple: He’s paid to manipulate injured people into ridiculously low settlement’s.

HARD-NOSE AND YOUR MEDICAL BILLS: Adjuster Hard-Nose may try to con you by telling you that many of your medical expenses don't qualify as "Medical" in character. He'll attempt to divide your medical costs into two areas - - one part "Diagnostic" and the other "Treatment". In "Diagnostic" he'll include ambulance and/or emergency room costs, the cost of X-rays, plus visits to specialists. The rest of your bills, usually the money paid out to the hospital emergency room and regular office visits to your chiropractor, physical therapy and medication, he'll term "Treatment". Those items he incorrectly identifies as "Diagnostic" are bills that Hard-Nose will try to disallow - - telling you that they're not "Medical" in nature.

He knows, if he can get away with doing this, the value of your claim will have been drastically reduced, because the bottom-line amount of your "Special Damages" has been dramatically downgraded. Hard-Nose will contend that only the "treatment" portion of your bills are "directly related" to the severity of your injury, therefore that's what truly reflects the value of your "Pain and Suffering".

Don't let him get away with that ! Demand full inclusion of ALL medical bills, otherwise your personal injury claim will be drastically reduced in value. To clearly understand what I'm advising here you should go to the internet, type in the web site http://www.autoaccidentclaims.com. ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) and purchase my third and latest book which also goes into detail explaining BASE (The Baldyga Auto Accident Settlement Evaluation). The BASE Formula is a new, exciting and revolutionary concept which will advise you how much money your "Pain and Suffering" is worth!

Talk to Adjuster Henry Hard-Nose, conjuring up all the authority you can muster (just as if you understand everything there is to know about the settlement and personal injury evaluation process - - and if you've read my book you will) and tell him, “Legally speaking you can't separate medical expenses into two categories. Each bill I have goes hand-in-hand with all the others. It would be impossible for me to get properly treated without being thoroughly diagnosed and, even more important than that, I can’t place a value on my personal injury claim until all my Special Damages have been correctly assessed”.

When he hears that Hard-Nose will blanch and then gulp! Why? Because he knows, in his black heart, what you're telling him is true. He’ll suddenly become aware that you know how to go about placing a value on your “Pain and Suffering”. And that, should put an end to his nonsense.

DISCLAIMER: This article ~ CAR ACCIDENT INSURANCE CLAIM ~ REGARDING IMPACTS AND INJURIES is intended for background information only. Its purpose is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Dr. George Langlitz III, CCDP, nor PHYSICIANS PLUS make any guarantee of any kind whatsoever NOR purports to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. where such professional help is desired IT IS THE INDIVIDUAL’ RESPONSIBILITY TO OBTAIN IT.

Dan Baldyga’s third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at: http://www.autoaccidentclaims.com. This book reveals “How To” successfully handle your motor vehicle accident claim, so you won’t be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the “Pain and Suffering” you endured - - because of your personal injury.

Dan Baldyga - Author
19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733 0127 FAX: (413) 731 8358
Mail to: dbpaw@attbi.com
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
Found at: http://www.autoaccidentclaims.com