Shopping for car insurance is not easy. There are so many alternatives, how to pick the right one? We have gathered the most useful and up to date information for buying and choosing the right car insurance. We hope this site proves useful for you in your quest! Don't forget to bookmark us and come back often!
~Car Accident Insurance Claim~ Regarding Impacts And Injuries
by Dan Baldyga
As of January 2003 it was determined that in the good ole‘ US of A, there were approximately 12.3 million motor vehicle accidents involving over 21 million vehicles last year. This amounts to a little over one crash per second. Let’s take a look at four of the most common of these gazillion impacts and the typical injuries they cause.
#1. LOW SPEED IMPACTS - - ESPECIALLY REAR-ENDERS: These are crashes that are considered to be any collision that takes place at speeds under 10 MPH. While there is absolutely no justification to call it a “Low Speed” impact that’s what the insurance industry loves to identify them as. Why ? Because a moniker like that is supposed to indicate that the, “so-called impact”, you were subjected to could not possibly have caused an injury.
It’s true that when such a crash does take place there’s often not a lot of damage done to the motor vehicle and yet, in most cases, people involved in these types of accidents more often than not suffer injuries - - neck injuries especially!
Although the insurance industry would like to have those making a claim think differently an injury can and absolutely does occur when a low impact collision takes place. The most common is identified as the “Whiplash”. This takes place when the occupants don’t have the slightest idea about the impending collision so they can’t brace themselves by forcing their back and/or neck against the seat or headrest. Because of this their body gets whipped and snapped about something fierce.
Automobile bumpers are built to withstand up to a 5 MPH crash without damage. This is not done to insure the safety of the occupant but rather to protect and limit the damage to the bumpers, keeping the cost of repair to a minimum. Many times vehicle to vehicle impacts can sustain an impact of 8 to 9 MPH before there’s recognizable damage to the motor vehicle. However, when the bumper doesn’t crumble and absorb the force of the impact, more of that crash is felt by the occupants. IMMEDIATE
Cars at up to 90%
off the book value!
INJURIES: The individual that’s been crashed into by another (even at only 5 MPH) is thrown forward with a severe jerking motion - - causing necks to snap and backs to twist. Because of this many “Soft Tissue” styled injuries take place, including multiple body bruises, plus chest and rib injuries. In most cases adjusters attempt to deny the possibility of injuries in a low speed impact but research substantiates just the opposite! Sure, the motor vehicle will show little damage but the velocity and accompanying force have to be transferred somewhere, and that’s to those sitting in that vehicle. Cars are built to withstand such minor impacts - - the human body is not!
#2. FRONTAL COLLISIONS: In most frontal impacts the occupant’s can generally brace themselves because they’re usually aware of the collision they’re about to be subjected to. In Frontal Collisions the speed and weight of the vehicle play a role in the injuries of the occupant. (The more the vehicle crumbles at impact the less severe the injuries to the occupants. Many times airbags will deploy). In frontal impact collisions the speed and size of the vehicle determines the injuries that can take place. (And - - getting back to rear-end collisions for just a moment - - the striking vehicle not only undergoes a collapse, but transfers momentum to the car that’s been struck by pushing it forward. The airbag may or may not explode. This depends upon the rigidity of the vehicle that’s been struck).IMMEDIATE INJURIES: Head and neck, back, spine, rib and clavicle, arms and legs, concussions, soft tissue, internal, dislocations, abrasions, cuts and bruises.48 to 72 hours later: Headache, blurred vision, dizziness and loss of taste, smell or hearing. Also, difficulty breathing, blood in urine or stool, swelling, loss of motion and visualized bruising take place.
#3. SIDE IMPACT: Many times the occupants head will hit the side window and bounce off of it. There are no air bags nor bumpers, engines, etc., to help protect ones body or absorb the force of
Get a free
brand new car!
the impact. IMMEDIATE INJURIES: Head and neck, arms & legs, soft tissue, dislocations, scrapes and bruises. 48 to 72 hours later: Pain, headache, blurred vision, dizziness, loss of taste, smell or hearing, numbness or tingling (and basically the same as those listed above) so, at the risk of being repetitious but because it’s so important, I must say once again: It’s of major importance that the individual exposed to impact - - no matter how slight it may seem to have been - - should immediately be examined by a medical professional.
#4. ROLL-OVER ACCIDENTS: The typical roll-over accident is very serious. The most common factors in single vehicle accidents are approaching a curve at too high a speed, leaving the pavement or highway, or over-correcting the steering wheel - - particularly in vehicles with a short wheel base. The severity of injuries to the occupants generally depends on the beginning velocity of speed, the number of rolls, condition of the vehicle, and what your motor vehicle rolled through, over and into! Damage to the vehicle is generally extensive. It has been determined that 60% of the economic costs from roll-overs resulted from occupant ejection, and that the initial roll-over speed was between 40 to 60 MPH. (A recent study reported that restrained occupants showed a higher proportion of neck injuries than the unrestrained).
IMMEDIATE INJURIES: The whole nine yards - all of those as detailed above.
*******************
The bottom line (to all 4 of the above) is that in all motor vehicle accidents - - no matter how minor the damage it’s of the greatest importance that each and every individual immediately visit a medical professional for a physical examination and/or consultation. So, should you find yourself at the scene of an accident and somebody asks if you think they should see a doctor, your answer should always be, "ABSOLUTELY " ! Stare straight into their eyeballs and tell them, “It’s your body. There’s only one to a customer. You should do whatever you can
to take care of it and protect it”.
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, Thomas Brown nor ARTICLE CITY 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.
Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved
Dan Baldyga - Author
19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733 0127 FAX: (413) 731 8358
Mail to: "mailto:dbpaw@attbi.com"
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss)
Found on the internet at: "http://www.autoaccidentclaims.com"
For over 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retried and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.
Related Articles
Car Insurance Rates – Can You Lower Them? -
Car insurance rates are prohibitive nowadays. Many families really struggle to pay the car insurance bill each month. And car insurance rates vary...
Cheap Car Insurance Company - A Little Help To Make Your Rates A Little Cheaper -
Is there really such a thing as a cheap car insurance company?
Cheap and car insurance don't seem to be soul mates of
compatibility. Insurance has...
New Jersey Car Insurance - What Do You Need To Know About It? -
When purchasing New Jersey car insurance there are many decisions you will have to make. You need to understand what kind of car insurance coverage...
Car Insurance Discounts -
Trying to save money wherever you can is important to us all. Insurance should be no different. Do not assume that your agent knows everything about...
Insurance for those owning Kit Cars, Classic or Imported Cars -
Car insurance policies can be perplexing as there are a number of insurance companies offering different types of insurance coverage with different...
Need more information? Try a search:
Latest news on Car Insurance
car insurance - Yahoo! News Search Results
Updated :
Estimate car insurance before purchasing a car
It doesn't matter whether you're buying a new car or used car; it's easy to get caught off guard about the costs to keep that car on the road, especially when it comes to car insurance.Car insurance rates ...
Publ.Date : Fri, 10 Feb 2012 00:01:34 -0800
Jennifer Waters's Consumer Confidential: Bigger cars get better insurance rates
You may think that new small, economy car you’re eyeing will save you money in the long run because gas costs will be lower than your neighbor’s minivan, but think again: The insurance rates could wipe those savings out, even if you’re a great driver.
Publ.Date : Thu, 09 Feb 2012 21:16:24 -0800
Car insurance firms revving up mobile app features
Progressive's new mobile app allows anyone with a smartphone to get car insurance quotes by taking a photo of their driver's license.
Publ.Date : Thu, 09 Feb 2012 15:37:49 -0800
Winter Weather Forcing Drivers to Reconsider Their Car Insurance
LONDON, February 7, 2012 /PRNewswire/ --A sharp drop in temperature and predictions of snow are giving many drivers pause for thought as they review whether their car insurance policy gives them adequate ...
Publ.Date : Tue, 07 Feb 2012 01:00:00 -0800
How Does Your Car Insurance Company Classify Your Ride?
Car insurance companies determine your insurance rates based on several factors. One of the main factors is what kind of car you drive. In the UK, a Group Rating Panel reviews each type of car and provides a suggested risk factor for each model. Insurers can use these group ratings to help establish standard premiums for the cars based on the criteria that the Rating Panel uses.
Publ.Date : Tue, 31 Jan 2012 16:14:08 -0800
Young male drivers pay double what women pay for car insurance
Young males pay twice as much for their motor insurance than female drivers.
Publ.Date : Thu, 09 Feb 2012 04:46:10 -0800
Want better car insurance rates? Let the AA track your driving
If you could save over $1,300 on your annual car insurance by letting your provider track your driving, would you? That's the question U.K. drivers are mulling this morning, as the country's Automobile Association (AA) is set to launch a new insurance policy that would place a "black box" into a car, allowing the organization to make sure its insured drivers are behaving on the road. According ...
Publ.Date : Fri, 10 Feb 2012 06:17:13 -0800
Increased Web Site Traffic