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 | Settle Your Own Injury Claim Ebook | |
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 | |  | | E-book Category: Auto, Legal, Manuals
E-book Title: Settle Your Own Injury Claim
Book Description: Stop the Insurance Company From Making Ridiculous Offers!
Dear Injured Consumer,
An irresponsible driver hits you and now you have to have the car towed, inspected, and repaired (correctly, hopefully).
You must also get a rental car, fill out paperwork, file a claim, call different 1-800 numbers, be put on hold, worry about your insurance rates, and take recorded statements.
You will have to arrange for medical care, process paper work so the ambulance provider and doctors get paid, lose time from work, and still meet your bills, expenses, and obligations.
You are supposed to do this all on your own! Even if you have "full coverage."
And the worst part: insurance adjusters will attempt to devalue your claim and not give you any compensation for your inconvenience.
Simply put: this is very unfair - I can help!
The person that hit you did not have any real consequences... you have to deal with an adjuster and hope that they treat you right- Until Now!
Here's the story...
Insurance Companies Take Advantage of Consumers Like You
They know that if you want to get legal representation, a lawyer will take anywhere from 30 to 50% of your settlement!
In fact, if your case goes to trial, they will take at least 60% to account for "legal cost"!
You would end up with less money than your attorney!
But, insurance companies know that if you are not represented, you will likely settle for SUBSTANTIALLY less than you are LEGALLY ENTITLED TO.
They hope that you do not fully understand your legal rights and therefore not stand up for them.
I wrote this eBook to teach you how to settle your own injury claim!
With this information, you can ask for all the damages you are entitled and substantially increase your settlement award!
Most Unrepresented Parties Do Not Know That They Are Entitled to Future Pain And Suffering.
This tip alone will cover the cost of these materilas, many times over.
Stop being trampled by the insurance company. Let's Learn and Defend your rights!
Learn how I, an attorney, and all the lawyers in my firm settle injury claims. You can keep the entire settlement award. No need to share it with anyone else.
You will have the tools you need to start and finish the settlement process without a lawyer. You will learn what to ask for, what documents you will need, and how to get them!
Hit the Adjuster With More Knowledge Than They Thought You Had!
This is not a 50-page eBook with general information about injury claims. This is a 225-page eBook with an in-depth analysis on how personal injury claims work and how they are settled.
You will learn how to calculate your own pain and suffering, how to negotiate a fair settlement, and how to avoid the traps insurance adjusters will lay for you.
Get thousands more for your pain and suffering by simply following the proper steps to document your claim!
Stop arguing with the adjuster over irrelevant evidence. Document your claim correctly so there is no dispute! Your case will settle because you have the proper evidence to back up your demands.
Get an insider's view of the process and establish what you are rightfully owed. Don't take a penny less!
Think about it, insurance adjusters handle thousands of claims per year. This is probably your first insurance negotiation. You will be at a substantial disadvantage if you do not learn and put these techniques into practice.
Insurance companies will use dirty strategies to get you to settle for substantially less than you should.
They will cut your rental car short, they will prolong the negotiation process so you get desperate and settle, and they will let some of your bills go unpaid so collectors call you. These are among the many illegal strategies they will use to get you to settle quickly and for a lot less.
In fact, some adjusters will call your boss and ask very intrusive questions so the accident looks like it is your fault!
Not only that, adjusters will try to get a recorded statement from you the day of the accident (or as close to the day of the accident as possible). They will use your testimony against you. They will tell you that the recorded statement is required, HOWEVER, You have an absolute right to decline taking this recorded statement!
These materials will teach you how to decline unresonable adjuster's requests, but will empower you with the proper arguments to move the claim forward towards the proper settlement!
Here is the table of contents of Settle Your Own Injury Claim for your review
Settle Your Own Injury Claim
Table of Contents
Legal Disclaimer and Guarantee 6
Introduction 9
Chapter 1 - Introduction to Injury Claims 14
Chapter 2 - No Lawyer: A Win-Win Situation 19
Chapter 3 - Little Steps = Strong Settlement 25
3.1 Reporting 25
3.2 The Accident Information Form 28
3.3 Talking to your Insurance Company 32
3.4 Talking to the at-fault Insurance Company 34
3.5 Reducing your Risk of losing any of your rights 38
Chapter 4 - How Coverage Works in Car Accidents 42
4.1 Property Damage Liability Coverage 43
4.2 Comprehensive Coverage 43
4.3 Collision Coverage 44
4.4 Uninsured and Underinsured Motorist Coverage 45
4.5 No Fault Coverage 46
4.6 Personal Injury Protection (PIP) 46
Chapter 5 - The Adjuster's Job 53
5.1 Adjuster's Claim Pending 57
5.2 Adjuster's Duty to Recover what is Paid 58
5.3 Recorded Statements 59
5.4 Facing the Adjuster 60
Chapter 6 - The Insurance Policy 63
6.1 Read your Policy and Declarations Page 63
6.2 Responsibilities of the Carrier and Insured 64
6.3 Limitations on Coverage 65
Chapter 7 - Legal Approach to Car Accidents 66
7.1 The Effect of Fault and Liability 67
7.2 Getting Money for Your Children 68
7.3 Damages owed to you 70
7.4 Fault Offsets 71
Chapter 8 - The Evidence that Supports your Claim 73
8.1 Eye Witnesses 73
8.2 Police Reports 78
8.3 Photographs 82
8.4 Diagrams 86
8.5 Evidence from the Scene 87
8.6 Newspaper Articles 88
Chapter 9 - Insurance Evaluation and Settlement Tactics 90
9.1 Independent Medical Evaluations 90
9.2 Surveillance 103
9.3 Adjusters Formulas and Software 107
9.4 Bodily Injury Reserve 109
Chapter 10 - Injuries, Damages, and Pain and Suffering 112
10.1 Seek Medical Treatment Immediately 114
10.2 What You Can Expect From Treatment 115
10.3 Indications and Symptoms 117
10.4 Categories of Injuries 118
10.5 Type of Injuries 118
10.6 Pain and Tolerance 126
10.7 Partial and Total Disability 127
10.8 Lingering Pain 128
10.9 Aggravation of Already Existing Injury 129
10.10 Medical History and Other Considerations 130
Chapter 11 - Medical Treatment 133
11.1 Physical and Massage Therapy 135
11.2 Medical Specialists 136
11.3 Dealing with Different Providers 138
11.4 Diagnostic Testing 141
11.5 Pre Accident Condition v. Maximum Medical Improvement 142
Chapter 12 - Documenting your File to Increase Settlement Value 144
12.1 What to Look in Medical Reports 144
12.2 Medical Reports 148
12.3 ER Records and Reports 151
12.4 Wage Loss and Disability Documentation 152
12.5 School Expenses and Other Issues 152
12.6 Loss of Sick Days, Personal Days, and Vacations 153
Chapter 13 - The Value of Damages 156
13.1 Property Damage 156
13.2 General Damages 157
13.3 Special Damages 157
13.4 Medical Special Damages 158
13.5 Non-medical Special Damages 158
13.6 Wage Loss and Earning Capacity 159
13.7 Self-Employed or Business Owner 161
13.8 Commissions and Overtime 162
13.9 Tips and Gratuities 163
13.10 Homemakers 163
13.11 Essential Services 164
13.12 Sick Leave or Vacation Pay 164
13.13 Opportunity Cost 165
13.14 Proving your General Damages 166
13.15 Permanent Injury 167
13.16 Emotional Distress 167
13.17 Life Disruptions 168
Chapter 14- Organizing your File and Claim 169
14.1 Overview of the Claim 171
14.2 Correspondence 171
14.3 Witness Statements / Accident Report 172
14.4 Photographs/Property Claim Documentation 172
14.5 Insurance Policy / Declarations Sheet 173
14.6 Medical Correspondence 173
14.7 Medical Summary 173
14.8 Medical Reports 174
14.9 Medical Records 174
14.10 Medical Specials Summary 175
14.11 Medical Bills 176
14.12 Wage Loss / Disability Documentation 177
14.13 Other Special Damage Bills 177
14.14 Your State Law 177
14.15 Subrogation/Liens 179
14.16 Treatment Calendar 182
14.17 Follow Up and File Tasking 184
Chapter 15 - Settlement Evaluation 187
15.1 Where is the Value? 187
15.2 Injury Evaluation Scenarios 193
15.3 Establishing your Range 197
15.4 Summary of the Value Formula 202
Chapter 16 - Negotiation of the Injury Claim 204
16.1 Let's be Reasonable 204
16.2 Negotiation Workflow 205
16.3 The Waiting Game: Good Things Come to Those Who Wait! 208
16.4 Not Letting your Claim Fall through the Cracks 208
16.5 Be Polite, Yet Firm 209
16.6 The Unreasonable Adjuster 209
16.7 Settlement Authority 210
Conclusion 211
Appendix 217
A. 50 States Statute of Limitations Table 217
B. Fault Laws and Regulations for all States 220
C. Small Claims Court Limits for all 50 States 223
D. Links to the Department of Insurance for all 50 States 224
E. State Minimum Liability Insurance RequirementsMore... | 
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