CarCrashAssist.com » car crash myths

Are Males or Females worse at driving?

staff — Mon, 07 Dec 2009 22:14:41 +0000

The verdict is in. I think I’m a little shocked, but the numbers don’t lie. Although I always knew that males caused more severe accidents, I always thought women were involved in a higher amount of accidents. My ego is officially shot and you women win once again. Good on ya for safer driving women and men, lets take this as an opportunity to sharpen our driving skills.

Top 10 auto accident insurance myths

staff — Fri, 06 Nov 2009 12:00:18 +0000

From Seven Mistakes That Can Wreck Your Auto Accident Case comes good advice on “myths” about personal injury cases and the insurance industry. Just because someone told you something doesn’t mean it’s true.

You must give a recorded statement to the at-fault insurance company or your claim will be denied.
You must sign a medical authorization at the request of the at-fault insurance company or your claim will be denied.
If you make a claim for uninsured motorist benefits, your insurance company will raise your insurance rates.
If you make a claim for PIP it will raise your insurance rates.
If you submit a reasonable settlement demand to the insurance company you will get a reasonable settlement offer.
If you file a claim with your own insurance company they will treat you better than the at-fault driver’s insurance company.
If you get into an accident that was not your fault there will be enough insurance to pay for all your bills, lost wages, and injuries.
You can expect the same settlement that your friend, cousin, neighbor, co- worker, etc. received for his or her accident case with similar injuries.
You will get you money from the jury or insurance adjuster for all your past and future medical bills, and loss of income, because your doctor says you were injured.
You will get rich if you are in an accident because.

Remember, each personal injury claim is different, and settlement awards vary depending on state and insurance companies. For a free evaluation of your claim, click here, or see our Personal Injury Settlement Booklet for step-by-step instructions on settling your own claim.

Near death experience doesn’t help your claim

staff — Thu, 02 Jul 2009 15:46:02 +0000

I hear it all the time. Someone is upset about their offer from the insurance company and they say, “doesn’t the adjuster realize I could have died?” or “the EMT in the ambulance said I should have died”.

My counter argument is always, “Well, you didn’t die. I could have been involved in a car accident while driving to work today. Does that mean I can make an accident claim against all the people I passed on the freeway this morning because I could have been involved in an accident with them?” Of course not.

Insurance claims are all about what actually happened, not what “could have” happened. This isn’t horse shoes or hand grenades where getting close counts. This is about what actually happened and what injuries you were treated for. Let me tell you what “could haves” are worth:

“I could have died” = $0 in pain and suffering
“I could have taken time off work, but I decided to tough it out” = $0 in wage loss
“I could have had a surgery, but decided I didn’t want to do it” = $0 in medical bills for a surgery that didn’t happen
“I could have treated longer, but I didn’t have the time and had to go back to work” = $0 in brownie points for cutting your treatment short

Are you seeing a trend? You can only get paid for what actually happened. If you actually died, your family would be paid for you actually dying. If you actually had a surgery, your claim is worth significantly more money than not having a surgery. If you actually missed work, you can claim actual wage loss.

Don’t get caught up in the “could haves” and focus on what actually happened with your injury. Similarly, don’t think the insurance companies are going to treat you better because you decided to tough it out and cut short the recommended treatment from your physician. Do what your doctors say and that will be what actually happened to you and not what “could have” happened to you.