The Insurance and Whiplash Guide I Hope You ll Never Have To Use But If You Do You ll Be Glad You Read This First!

Size: px
Start display at page:

Download "The Insurance and Whiplash Guide I Hope You ll Never Have To Use But If You Do You ll Be Glad You Read This First!"

Transcription

1 The Insurance and Whiplash Guide I Hope You ll Never Have To Use But If You Do You ll Be Glad You Read This First! A special thanks goes to Dr. Steven Eggleston, DC, Esq. for his expertise and his years of service to his fellow man. What you re about to learn may prove to be some of the most valuable knowledge you ever have because it my save your life, your money, your house, and everything you hold dear in this world. This information isn t some secret from the depths of King Tut s tomb, it s information everyone has access to, but most never look for it until it s too late. With nearly 200 million people driving in this country chances are you ll be involved in at least one car accident. Obviously some car accidents are worse than others, but all of them have the potential to cause damage to you and everyone else in your car, even if the speed is less than 5 mph and there was no visible damage to either car. This little guide is designed to help you PURCHASE THE RIGHT KIND AND AMOUNT OF CAR INSURANCE so that almost any expense you incur following an accident will be covered. And this guide will give you advice on what do following an accident so you and everyone in your car can get the medical attention they might need. Get The Right Type AND Amount Of Car Insurance BEFORE You Get In An Accident It has been my experience that most people purchase car insurance based on how much they will have to pay in monthly premiums. The cost of your monthly premium is certainly a factor to take into consideration, but its only one factor and not the most important. Making sure you have THE RIGHT TYPE AND AMOUNT OF CAR INSURANCE IS THE MOST IMPORTANT FACTOR. Having just the state required minimums will get you on the road and keep you out of jail, but will hardly cover your expenses if you were involved in an accident. Take some time to understand the different types of insurance and then speak with your agent to help guide you into getting adequate amounts of each type of coverage you want. Quick Tip: I recommend working with an independent insurance broker rather than a captive insurance agent that only sells insurance from one company. If you go with one of the big name companies you ll only get to chose from what they have to offer. The insurance broker can shop around with all the different insurance companies and find you the best deal while still giving you all the coverage you need. I personally recommend:

2 Here are the different types of coverage: Dean & Dean Insurance Agency MEDICAL PAYMENTS This pays the bills for the doctor, hospital, ambulance, chiropractor, acupuncture, dentist, and physical therapist if you are injured in a car accident. Just a quick ride in an ambulance and a visit to the emergency room can add up to $3,000, $5,000, or $15,000 or more in a hurry. The cost of getting this type of insurance is very inexpensive. It covers you even if you re riding in someone else s car and it pays the bills even if the accident is your fault. It s recommended that you purchase the maximum amount and make sure there is little to no deductible. UNINSURED MOTORIST This pays for your pain and suffering if the person that hit you has no insurance or not enough to compensate you fully. It is not expensive so it s recommended you purchase the maximum because it s protecting you. COLLISION This pays to repair your car after the accident even if the accident was your fault. If you caused the accident you ll have to pay a deductible first, but the insurance company will often waive the deductible if the accident wasn t your fault. COMPREHENSIVE This pays you if your care is stolen, vandalized, or broken into and things are stolen from it. LIABILITY This pays for injuries to other drivers in you cause the accident. It s the only coverage required by law in California and many insurance agents sell you only this coverage and call it full coverage. Now you know this is hardly full coverage so make sure you have more than just this type of insurance. RENTAL CAR REIMBURSEMENT If your car needs to be repaired after an accident you may need to rent a car in the meantime. TOWING Your vehicle may need to be towed to the repair shop from the scene of the accident. This coverage will reimburse you for any towing expense. As you can clearly see purchasing just enough insurance to get you legally on the road is hardly enough insurance to put your life and the life of your family back together following an accident. Be smart and be responsible when purchasing insurance.

3 What To Do (and not to do) In The First 30 Days Following An Accident ***This is where you really need to pay attention!*** Having the right types and amounts of car insurance is a great start, but it s only the beginning. What you do in the moments immediately following an accident and what you do in the first few days or weeks can dramatically affect the rest of your life and the life of your family. Again, be smart and be prepared. Remember, insurance companies and their claim handlers deal with accidents daily and chances are you will only have one accident in your whole life. You are at an extreme disadvantage here. Also, remember that insurance companies make their profits by keeping money, not shelling it out to their clients (that s you). They will use every trick in the book to limit how much they have to pay out. If you are able (which may not be the case depending on the accident) try to get the following information from the other driver in the first 15 minutes after the accident; First and Last Name License Plate # Home Address Driver s License # Cell, Home, Work # Insurance Company Name and Phone # Insurance Policy # TAKE PHOTOS OF BOTH CARS CALL THE POLICE DO WHAT THE PARAMEDICS ADVISE YOU TO DO (LIKE GET IN THE AMBULANCE) What follows is general advice that will help protect you and your family, but every case is different and the best thing to do is contact a personal injury attorney as soon as you can. Until then, do this; 1. DON T give a recorded statement to the insurance agent when they contact you. Once you have an attorney they will communicate with the insurance company for you. If you speak with the insurance agent directly they may trick you into saying something that will hurt your case. 2. DON T sign any papers the insurance company sends you without consulting an attorney first. 3. DO NOT cash the $1,000 check the insurance company will send you for your injuries or to pay your doctor bills. If you do, you case is over forever no matter how much your doctor bills amount to in the furture.

4 4. DON T sign a Medical Authorization or Authorization to Release Medical Information. This gives the insurance companies full access to your medical history and they re looking for any excuse to not pay you. 5. Pay your doctor bills as they occur even if the accident wasn t your fault. Our United States justice system is set up to reimburse you for your expenses. Some doctors will work with you on a lien basis (which means they are willing to wait until your case settles before they get paid), but that can actually hurt your case. Insurance adjusters are trained that all fraud cases on done with medical liens. When you pay your own medical bills the adjuster knows it s not fraud and your case will likely settle faster and for more money. 6. Follow your doctor s advice and show up to your appointments. If you don t the insurance company will assume you must not be hurt and that you re just trying to get more money. 7. Tell your doctors everything that is wrong with you since the accident. 8. Tell your doctors whether you pain is increasing, decreasing, or staying the same. 9. Tell you doctors if your pain frequency is increasing or decreasing to more hours of the day, or about the same number of hours each day. 10. Do everything you can to get well as fast as possible. You only get one chance to get well and studies show 67% of all whiplash patients still hurt five years later. 11. Get a second opinion if your doctor s treatments are not helping. Understanding Whiplash The term whiplash is a general term that doctors use to describe the complex injuries that occur during car accidents. Whiplash includes injuries to your muscles, tendons, ligaments, discs, nerves, and brain. Car accidents, even minor accidents less than 10 mph, violently shake your head and neck for 300 milliseconds causing injuries to several types of tissues, not just muscles. With proper care muscle injuries can heal completely in 3-6 weeks, but the other injured tissues (ligaments, tendons, discs, nerve, brain) may take several months to heal and sometimes they will never completely heal leaving you with pain and symptoms for the rest of your life. When you find a doctor to help you after the accident make sure they have experience treating whiplash victims and that they fully understand the different types of tissues and structures that might have been injured in your accident. You should understand a little about each of the following so you can ask your doctor about them; 1. Torn Ligaments 2. Disc Herniations 3. Spinal Cord Pressure

5 4. Peripheral Nerve Pressure 5. Brain Concussion TORN LIGAMENTS Ligaments hold your bones together and they are very strong so it takes a significant amount of force to damage them and once damaged ligaments never completely heal. Due to the physics involved a car accident, even a slow one, can easily provide enough force to tear a ligament. Getting a torn ligament in a car accident is common and explains why many whiplash victims (67%) still have pain and symptoms 5 years after the accident. If you still have pain 6 weeks after the accident you and your doctor should suspect a torn ligament. DISC HERNIATION A disc Herniation will generally cause your arm or leg to tingle or be numb constantly. An MRI is the best way to see a disc herniation. If you have nearly constant tingling or numbness in your arm or leg ask your doctor about getting an MRI if they haven t ordered one already. Depending on where in the spine your disc herniated it may cause SPINAL CORD PRESSURE or PERIPHERAL NERVE PRESSURE. The most common symptom of either is numbness and tingling in an arm, hand, finger, leg, foot, or toe. Work with your doctor to determine if you have either. BRAIN CONCUSSION One of the most under-diagnosed injuries in a car accident is a concussion. Common symptoms include: 1. Headaches 2. Fatigue or dozing during the day 3. Memory problems 4. Difficulty concentrating 5. Higher blood pressure 6. Irritability 7. Mood swings 8. Anxiety 9. Depression 10. Bumping into things (poor balance) 11. Loss of libido 12. Hearing problems 13. Change in sense of taste or smell 14. Difficulty reading 15. Blurry vision 16. Weakness in arms or legs A concussion is a serious problem and your doctor should be able to test you for it. If you have a concussion follow your doctor s recommendations, but if you feel your doctor is lacking experience in this area then get a second opinion (preferably from a neuropsychologist).

6 Do You Really Need An Attorney? YES! At the very least get a consultation from an experienced P.I. (personal injury) attorney. Your attorney does not have to live near you to help you. I personally recommend: Dr. Steven C. Eggleston, DC, Esq 2601 Main St. Suite 800 Irvine, CA (949) As I mentioned in the title, I hope you never get in an accident, but if you do you ll be glad you read this report! Dr. Jason Gonzales, DC Upper Cervical Chiropractor

Whiplash and Whiplash- Associated Disorders

Whiplash and Whiplash- Associated Disorders Whiplash and Whiplash- Associated Disorders North American Spine Society Public Education Series What Is Whiplash? The term whiplash might be confusing because it describes both a mechanism of injury and

More information

By: Brett D. Baber, Esq. and Steven Blackwell, Esq. Lanham Blackwell & Baber Attorneys. 207.942.2898 www.lanhamblackwell.com

By: Brett D. Baber, Esq. and Steven Blackwell, Esq. Lanham Blackwell & Baber Attorneys. 207.942.2898 www.lanhamblackwell.com By: Brett D. Baber, Esq. and Steven Blackwell, Esq. Lanham Blackwell & Baber Attorneys I m part of the professional and dedicated team of civil litigation attorneys and mediators at Lanham Blackwell &

More information

SPECIAL REPORT THE FIVE STEPS TO SUCCESS IN YOUR INDIANA CAR ACCIDENT CASE

SPECIAL REPORT THE FIVE STEPS TO SUCCESS IN YOUR INDIANA CAR ACCIDENT CASE SPECIAL REPORT THE FIVE STEPS TO SUCCESS IN YOUR INDIANA CAR ACCIDENT CASE GUY S. DIMARTINO, DC, JD INDIANA CAR ACCIDENT LAWYER 1000 WASHINGTON STREET MICHIGAN CITY, IN 46360 (219) 874-4878 www.michigancityinjurylaw.com

More information

16 Steps to Getting a Fair Settlement for Your Injuries

16 Steps to Getting a Fair Settlement for Your Injuries The Petrylaw Personal Injury Reports 16 Steps to Getting a Fair Settlement for Your Injuries 1. Do not talk to anyone except your doctor, attorney or the police officer at the scene. Do not speak with

More information

What Is My Injury Claim Worth?

What Is My Injury Claim Worth? What Is My Injury Claim Worth? How insurance companies evaluate your injury accident case Based on California law. Written by a California licensed injury accident lawyer for Californians. Provided for

More information

Car & truck accidents require an experienced Louisville auto accident attorney

Car & truck accidents require an experienced Louisville auto accident attorney http://www.slechterlawfirm.com/car-truck-accidents/ Car & truck accidents require an experienced Louisville auto accident attorney Auto accidents happen fast. But the effects can sometimes last a lifetime,

More information

PI MEDPAY FORM. [J Do I have Medpay? [] How much Medpay do I have? [ ] Do I have primary or excess Medpay? [ ] Adjuster name and phone number

PI MEDPAY FORM. [J Do I have Medpay? [] How much Medpay do I have? [ ] Do I have primary or excess Medpay? [ ] Adjuster name and phone number PI MEDPAY FORM [J Do I have Medpay? [] How much Medpay do I have? [ ] Do I have primary or excess Medpay? [ ] Adjuster name and phone number [] Claim # PERSONAL INJURY QUES1"IONNAIRE Name: ----------------

More information

PERSONAL INJURY QUESTIONNAIRE

PERSONAL INJURY QUESTIONNAIRE PERSONAL INJURY QUESTIONNAIRE NAME: PHONE: ( ) ADDRESS: CITY/STATE/ZIP: AGE: BIRTHDATE: SEX: SS # EMPLOYER'S NAME/ADDRESS: YOUR INSURANCE CO: POLICY #: AGENT'S NAME & PHONE: NAME ON POLICY (IF OTHER THAN

More information

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com You are probably reading this guide because you were recently in an automobile accident. Now you are faced with some difficulties. The tasks of managing your care and your insurance claim can be confusing

More information

Handling Your Own Property Damage Claim After An Auto Accident in Texas

Handling Your Own Property Damage Claim After An Auto Accident in Texas Handling Your Own Property Damage Claim After An Auto Accident in Texas Table of Contents Handling Your Own Property Damage Claim after an Auto Accident in Texas... 1 Introduction... 3 Chapter 1... 4 Important

More information

A CONSUMER'S GUIDE TO AUTOMOBILE INSURANCE IN MARYLAND 1. Peter J. Basile, Shareholder Ferguson, Schetelich & Ballew, P.A.

A CONSUMER'S GUIDE TO AUTOMOBILE INSURANCE IN MARYLAND 1. Peter J. Basile, Shareholder Ferguson, Schetelich & Ballew, P.A. A CONSUMER'S GUIDE TO AUTOMOBILE INSURANCE IN MARYLAND 1 Introduction Peter J. Basile, Shareholder Ferguson, Schetelich & Ballew, P.A. 2011 We represent many clients who have been involved in car accidents,

More information

12 Common Auto Accident Myths: Protecting your rights and wallet after being injured in an auto accident.

12 Common Auto Accident Myths: Protecting your rights and wallet after being injured in an auto accident. 12 Common Auto Accident Myths: Protecting your rights and wallet after being injured in an auto accident. Introduction An auto accident can dramatically change your life. You could be injured and/or in

More information

Neck Injuries and Disorders

Neck Injuries and Disorders Neck Injuries and Disorders Introduction Any part of your neck can be affected by neck problems. These affect the muscles, bones, joints, tendons, ligaments or nerves in the neck. There are many common

More information

PERSONAL INJURY QUESTIONNAIRE. NAME: Date of Accident

PERSONAL INJURY QUESTIONNAIRE. NAME: Date of Accident PERSONAL INJURY QUESTIONNAIRE NAME: Date of Accident Where did accident happen? Describe the accident in your own words: What was your position in the car? Driver: if Driver were your hands on the steering

More information

Any rapid head movement can cause a Whiplash. ALTERNATIVE CARE CHIROPRACTIC Reston, Virginia

Any rapid head movement can cause a Whiplash. ALTERNATIVE CARE CHIROPRACTIC Reston, Virginia ALTERNATIVE CARE CHIROPRACTIC Reston, Virginia P ROV E N R E L I E F F RO M W H I P L A S H Any rapid head movement can cause a Whiplash injury. Although whiplash is commonly associated with car accidents

More information

WHERE TO GET MORE INFORMATION AND HELP

WHERE TO GET MORE INFORMATION AND HELP WHERE TO GET MORE INFORMATION AND HELP This Buyer's Guide is intended to provide general information to help you make coverage choices. It is not a substitute for the policy language, which governs. Additional

More information

Motor Vehicle Accident Guide

Motor Vehicle Accident Guide Motor Vehicle Accident Guide 9454 Wilshire Boulevard Penthouse Beverly Hills, California 90212 t 888-987-1818 f 888-266-5502 info@etehadlaw.com www.etehadlaw.com Table of Contents Cover Page i Table of

More information

Top 10 Mistakes Made After A Car Accident. www.chaikinandsherman.com 202.659.8600 800.299.8384

Top 10 Mistakes Made After A Car Accident. www.chaikinandsherman.com 202.659.8600 800.299.8384 Top 10 Mistakes Made After A Car Accident www.chaikinandsherman.com 202.659.8600 800.299.8384 1 In this Top Ten List, we have drawn upon our decades of experience in handling car accident cases to compile

More information

Accident Injuries and Your Car Insurance

Accident Injuries and Your Car Insurance Personal Injury Wrongful Death Slip & Fall Automobile Accidents Trucking Accidents Motorcycle Accidents Medical Malpractice Criminal Defense Accident Injuries and Your Car Insurance Critical Details You

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Chris Christie Governor. Kim Guadagno Lt. Governor. Commissioner

NEW JERSEY AUTO INSURANCE BUYER S GUIDE. Chris Christie Governor. Kim Guadagno Lt. Governor. Commissioner NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Commissioner WHERE DO I START?... 1 UNDERSTANDING YOUR POLICY... 2-6 Types of Coverages Standard and Basic Policies

More information

Home and Automobile Insurance Guide

Home and Automobile Insurance Guide Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined

More information

Motor Vehicle Accident Patient Intake Form

Motor Vehicle Accident Patient Intake Form Motor Vehicle Accident Patient Intake Form Name: Date of Accident (mm/dd/yyyy): Date of Birth (dd/mm/yyyy) (Cell) Telephone: (Home) (Work) Email: @ Insurance Information: Company Name: Name of Adjustor:

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE

NEW JERSEY AUTO INSURANCE BUYER S GUIDE NEW JERSEY AUTO INSURANCE BUYER S GUIDE AD9460ARR-0704 American Bankers Insurance Company of Florida American Bankers Insurance Company of Florida 11222 Quail Roost Drive, Miami, FL 33157-6596 NEW JERSEY

More information

Staff, please note that the Head Injury Routine is included on page 3.

Staff, please note that the Head Injury Routine is included on page 3. Staff, please note that the Head Injury Routine is included on page 3. This booklet explains what can happen after a concussion, how to get better and where to go for more information and help if needed.

More information

LESSONS OF AN EXPERIENCED NEW YORK BIKE ACCIDENT LAWYER

LESSONS OF AN EXPERIENCED NEW YORK BIKE ACCIDENT LAWYER April 2009 BIKING IN NYC LESSONS OF AN EXPERIENCED NEW YORK BIKE ACCIDENT LAWYER The Perils Of Bicycle Riding In New York City- Here s What You Need To Know EVER BEEN DOORED? I have. EVER BEEN CUT OFF

More information

NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* PL-50074 (03-12) Page 1 of 9 000001/00000 S1347I03 7668 07/23/12

NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* PL-50074 (03-12) Page 1 of 9 000001/00000 S1347I03 7668 07/23/12 NEW JERSEY AUTO INSURANCE BUYER S GUIDE *C00179480010000001* 000001/00000 S1347I03 7668 07/23/12 PL-50074 (03-12) Page 1 of 9 WHAT S INSIDE WHERE DO I START?... UNDERSTANDING YOUR POLICY... Types of Coverage

More information

BUYING CAR INSURANCE IN SOUTH CAROLINA

BUYING CAR INSURANCE IN SOUTH CAROLINA BUYING CAR INSURANCE IN SOUTH CAROLINA Do you think your Auto Policy Protects You and Your Family For the Road Ahead? The Truth May Surprise You. Goose Creek 103 Laurel Ave. Goose Creek, SC 29445 Phone:

More information

NEW JERSEY AUTO SUPPLEMENT

NEW JERSEY AUTO SUPPLEMENT AGENCY AGENCY CUSTOMER ID: NEW JERSEY AUTO SUPPLEMENT NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE NEW JERSEY AUTO INSURANCE BUYER'S GUIDE New Jersey Department of Banking and Insurance

More information

ACCIDENT HISTORY QUESTIONNAIRE

ACCIDENT HISTORY QUESTIONNAIRE ACCIDENT HISTORY QUESTIONNAIRE PATIENT INFORMATION Name Date Address City State Zip Code DOB Age SS# Marital Status Sex Male Female How did you hear about the office? Home Phone Work Phone Employer Occupation

More information

made simple Auto Insurance What s included:

made simple Auto Insurance What s included: Auto Insurance made simple What s included: How to read your Allstate Auto Policy Declarations Understanding auto insurance: Coverages Deductibles Coverage limits What to do in case of an accident Frequently

More information

Myburgh Attorneys HAVE YOU BEEN INJURED IN A CAR ACCIDENT? DO YOU KNOW SOMEBODY WHO HAS BEEN INJURED IN A CAR ACCIDENT? WHAT ARE YOUR RIGHTS?

Myburgh Attorneys HAVE YOU BEEN INJURED IN A CAR ACCIDENT? DO YOU KNOW SOMEBODY WHO HAS BEEN INJURED IN A CAR ACCIDENT? WHAT ARE YOUR RIGHTS? Myburgh Attorneys HAVE YOU BEEN INJURED IN A CAR ACCIDENT? OR DO YOU KNOW SOMEBODY WHO HAS BEEN INJURED IN A CAR ACCIDENT? WHAT ARE YOUR RIGHTS? THE ROAD ACCIDENT FUND (RAF) The RAF was created to compensate

More information

NEW JERSEY AUTO INSURANCE, BUYER S GUIDE

NEW JERSEY AUTO INSURANCE, BUYER S GUIDE NEW JERSEY AUTO INSURANCE, BUYER S GUIDE BG-NJ (1/14) WHAT'S INSIDE WHEREDOISTART?...1 UNDERSTANDING YOUR POLICY...2 Types of Coverages Standard and Basic Policies What are Limits and Deductibles? UNDERSTANDING

More information

Auto insurance basics

Auto insurance basics Auto insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC As an automobile owner and driver, most states require you to purchase car insurance. When buying a car insurance

More information

1. What s the difference between Limited Tort and Full Tort Auto Insurance Policies?

1. What s the difference between Limited Tort and Full Tort Auto Insurance Policies? Auto 1. What s the difference between Limited Tort and Full Tort Auto Insurance Policies? Limited Tort and Full Tort refer to different types of coverage under a auto insurance policy and what compensation

More information

Guide to Knowing Your Auto

Guide to Knowing Your Auto Guide to Knowing Your Auto & Homeowners Insurance Options Presented by: 1 When it comes to insurance, you can never know too much. What type of insurance is available and how much coverage you need? And

More information

What You NEED to a Car Accident

What You NEED to a Car Accident How recent changes in the law will affect you. Know YOUR Rights. Auto Accident Basics. IN THIS ISSUE Working with an Adjuster: What NOT to sign. Page 3 Medical Expenses: How will my initial medical expenses

More information

a consumers guide to No-Fault Automobile Insurance in Michigan

a consumers guide to No-Fault Automobile Insurance in Michigan a consumers guide to No-Fault Automobile Insurance in Michigan No-Fault Automobile Insurance in Michigan The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured

More information

6 Ways To Save Money On Auto Insurance In Ontario

6 Ways To Save Money On Auto Insurance In Ontario 6 Ways To Save Money On Auto Insurance In Ontario 6 Ways to Save Money on Auto Insurance in Ontario Contents Contents 01 Introduction 03 Auto Insurance 101 Mandatory Coverages 05 Auto Insurance 101 Optional

More information

Auto Insurance for New Mexico s Young Drivers

Auto Insurance for New Mexico s Young Drivers Auto Insurance for New Mexico s Young Drivers Prepared for New Mexico s Young Drivers and Their Parents by: One of the major events in many people s lives is earning the privilege of driving a motor vehicle.

More information

Journal. A workbook designed to organize and survey your incident & injury throughout the road to recovery. tywilsonlaw.

Journal. A workbook designed to organize and survey your incident & injury throughout the road to recovery. tywilsonlaw. YOUR INJURY Journal A workbook designed to organize and survey your incident & injury throughout the road to recovery SLIP/FALL CAR ACCIDENT WORKERS COMP TY WILSON LAW tywilsonlaw.com 866-937-5454 YOUR

More information

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM Form 1.03 July 9, 2014 MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM TO: (Name) (Address) FROM: KUBITZ & COMPANY Lawyers 1716 10 th Avenue S.W. Calgary, Alberta T3C 0J8 (City, Province, Postal Code) Home

More information

COMMERCIAL PPA EDITION

COMMERCIAL PPA EDITION NEW JERSEY AUTO INSURANCE BUYER S GUIDE COMMERCIAL PPA EDITION For Individually Owned Private Passenger Automobiles Written on Commercial Insurance Policies WHAT S INSIDE WHERE DO I START?...PAGE 2 UNDERSTANDING

More information

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured?

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? 3. How can I get help? 4. What information should I gather at the

More information

FIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper

FIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper DIFS is an equal opportunity employer/program. Auxiliary aids, services and other reasonable accommodations are available upon request to individuals with disabilities. FIS-PUB 0077 (6/13) Number of copies

More information

Colorado Personal Injury and Disability Lawyer. Auto Accident Victim s TOOLKIT. Call Now! 877-846-4878 www.mcdivittlaw.com

Colorado Personal Injury and Disability Lawyer. Auto Accident Victim s TOOLKIT. Call Now! 877-846-4878 www.mcdivittlaw.com Auto Accident Victim s TOOLKIT Call Now! 877-846-4878 www.mcdivittlaw.com 1 Auto Accident Victim s Toolkit An auto accident is overwhelming and the days following it are trying and confusing while dealing

More information

UNDERSTANDING YOUR AUTO INSURANCE

UNDERSTANDING YOUR AUTO INSURANCE This brochure was prepared by the Washington State Association for Justice (WSAJ) as a guide to help the citizens of Washington State understand their rights. Established in 1953, WSAJ represents attorneys

More information

Personal Injury Compensation Guide. Winston Solicitors LLP

Personal Injury Compensation Guide. Winston Solicitors LLP Personal Injury Compensation Guide Winston Solicitors LLP Compensation guide Here we provide a simple, plain speaking guide to no win no fee compensation claims for personal injuries in the UK. If you

More information

Personal Injury Office Policies Dixon Center for Integrative Health Care 211 Old Hickory Blvd. Nashville, TN 37221 (615) 646-1003

Personal Injury Office Policies Dixon Center for Integrative Health Care 211 Old Hickory Blvd. Nashville, TN 37221 (615) 646-1003 Personal Injury Office Policies Dixon Center for Integrative Health Care 211 Old Hickory Blvd. Nashville, TN 37221 (615) 646-1003 The following information outlines Dixon Center s policies on personal

More information

Motor Vehicle Accident Insurance Information

Motor Vehicle Accident Insurance Information AUTOMOBILE ACCIDENT OFFICE POLICY If you have been injured or suspect you have been injured during an automobile accident you must tell your insurance company within seven days of the occurrence of a motor

More information

WHAT TO DO IN CASE OF A CAR ACCIDENT or SLIP & FALL ACCIDENT

WHAT TO DO IN CASE OF A CAR ACCIDENT or SLIP & FALL ACCIDENT WHAT TO DO IN CASE OF A CAR ACCIDENT or SLIP & FALL ACCIDENT 10 things you must do after a motor vehicle accident How to talk to an insurance claim adjuster The steps you must take after a slip / trip

More information

New Jersey AUTO INSURANCE

New Jersey AUTO INSURANCE New Jersey AUTO INSURANCE Buyer s Guide Chris Christie Governor Kim Guadagno Lt. Governor Ken Kobylowski Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market through

More information

NEW JERSEY AUTO INSURANCE

NEW JERSEY AUTO INSURANCE NEW JERSEY AUTO INSURANCE BUYER S GUIDE Chris Christie Governor Kim Guadagno Lt. Governor Richard J. Badolato Acting Commissioner NJM Insurance Group offers personal auto insurance in the voluntary market

More information

The Guide To Buying Car Insurance in Washington

The Guide To Buying Car Insurance in Washington Your Guide To Getting the Best Insurance Coverage for Your Family The Guide To Buying Car Insurance in Washington Don t be without the Insurance Coverage that Insurance Companies Most Dread Selling Scott

More information

Patient Guide to Neck Surgery

Patient Guide to Neck Surgery The following is a sampling of products offered by Zimmer Spine for use in Anterior Cervical Fusion procedures. Patient Guide to Neck Surgery Anterior Cervical Fusion Trinica Select With the Trinica and

More information

Auto Insurance Buyers Guide

Auto Insurance Buyers Guide Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop

More information

20. Please describe any pain or symptoms: a. DURING the accident: b. IMMEDIATELY AFTER the accident: c. LATER THAT DAY: d.

20. Please describe any pain or symptoms: a. DURING the accident: b. IMMEDIATELY AFTER the accident: c. LATER THAT DAY: d. Name Date of Birth Phone Address City State Zip Email: Employer s Name Employer s Address Your Ins. Co. Claim # Claims Adjustors Name Driver/Owner Have you retained an attorney? ( ) Yes ( ) No If yes attorney

More information

Drive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently.

Drive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently. AUTO INSURANCE Drive confidently With the exception of your home, your car is probably the most valuable thing you own. It s an investment one you rely on every day to commute, shuttle the kids, run errands

More information

Recovering from Mild Traumatic Brain Injury/Concussion. A Guide for Patients and Their Families

Recovering from Mild Traumatic Brain Injury/Concussion. A Guide for Patients and Their Families Recovering from Mild Traumatic Brain Injury/Concussion A Guide for Patients and Their Families Recovering From Mild Traumatic Brain Injury/Concussion: A Guide for Patients and Their Families This booklet

More information

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM

MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM Form 1.03 September 9, 2015 TO: (Name) (Address) FROM: KUBITZ & COMPANY Lawyers 1716 10 th Avenue S.W. Calgary, Alberta T3C 0J8 (City, Province, Postal Code)

More information

WHAT IS THE LAW SURROUNDING CAR ACCIDENTS?

WHAT IS THE LAW SURROUNDING CAR ACCIDENTS? WHAT IS THE LAW SURROUNDING CAR ACCIDENTS? How Does The Law Determine Who s At Fault? When determining fault, there is no one answer that covers all scenarios. Accidents produce and are produced by many

More information

Your Personal Guide To Your Personal Injury Lawsuit

Your Personal Guide To Your Personal Injury Lawsuit Your Personal Guide To Your Personal Injury Lawsuit Know How To Do Things Right When You ve Been Wronged You have questions. And most likely, you have a lot of them. The good news is that this is completely

More information

AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS

AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS AUTO ACCIDENTS & PROPERTY DAMAGE CLAIMS A STEP-BY-STEP GUIDE FOR HANDLING A VEHICLE PROPERTY DAMAGE CLAIM WITHOUT HIRING AN ATTORNEY. Not every car wreck results in an injury. In cases where an accident

More information

Quick Preview PROPERTY DAMAGE

Quick Preview PROPERTY DAMAGE Quick Preview PROPERTY DAMAGE You are you first priority, take care of you first Understand rental insurance, towing and storage costs Figure out what kind of insurance coverage you have Choose a reputable

More information

MANITOBA PRESTIGE AUTO INSURANCE

MANITOBA PRESTIGE AUTO INSURANCE Page License Plate Insurance... 2 Why Plate Insurance Isn t Enough... 2 Added Liability Protection... 3 Family Protection Coverage... 3 Vehicle Damage Deductible... 3 Seasonal Lay-Up Coverage... 3 Non-Owned

More information

All about. auto. insurance

All about. auto. insurance All about auto insurance Legal Deposit Bibliothèque et Archives nationales du Québec, 2011 Legal Deposit Library and Archives Canada, 2011 Table of contents Buying auto insurance 4 Who is insured? 4 Who

More information

Buying Car Insurance

Buying Car Insurance Buying Car Insurance We blame the insurance companies And their agents for not thoroughly explaining And urging you to buy The most important auto insurance protection available They won t tell you, so

More information

Your Roadmap to Maximize Your Settlement!!!

Your Roadmap to Maximize Your Settlement!!! Your Roadmap to Maximize Your Settlement!!! Helpful tips to get the most money for your injuries. The Advocates Driggs, Bills and Day PC (801) 355 5550 www.utahadvocates.com 1 Table of Contents: Introduction:

More information

Brain Injury Association National Help Line: 1-800-444-6443 Brain Injury Association Web site: www.biausa.org Centers for Disease Control and

Brain Injury Association National Help Line: 1-800-444-6443 Brain Injury Association Web site: www.biausa.org Centers for Disease Control and Brain Injury Association National Help Line: 1-800-444-6443 Brain Injury Association Web site: www.biausa.org Centers for Disease Control and Prevention Web site: www.cdc.gov/ncipc/tbi Contents About Brain

More information

Consumer Federation of America s

Consumer Federation of America s Consumer Federation of America s Guide to Navigating the Auto Claims Maze: Getting the Settlement You Deserve You ve just be involved in a fender bender with another vehicle. Your car is damaged but drivable.

More information

ARE YOU DRIVING ON THIN ICE : FULL COVERAGE MIGHT NOT BE WHAT YOU THINK IT IS

ARE YOU DRIVING ON THIN ICE : FULL COVERAGE MIGHT NOT BE WHAT YOU THINK IT IS ARE YOU DRIVING ON THIN ICE : FULL COVERAGE MIGHT NOT BE WHAT YOU THINK IT IS By: Jay R. Vaughn, Esq. Schachter, Hendy & Johnson, P.S.C. (859) 578-4444 jvaughn@pschachter.com My practice focuses on personal

More information

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware What To Do If You re In An Accident Stop and keep calm. Do not drive away from an accident. Do not argue with the other driver over the cause. Call an ambulance, if needed. Do what you can to provide first

More information

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance.

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance. The Instant Insurance Guide: Auto Info and tips for buying automobile and motorcycle insurance in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov

More information

Who will these reforms benefit? Anyone who has auto insurance in Nova Scotia and who has been involved in an automobile accident.

Who will these reforms benefit? Anyone who has auto insurance in Nova Scotia and who has been involved in an automobile accident. Questions and Answers for Consumers Automobile Insurance Reform: Phase 2 General Questions about Phase 2 Reforms Why is the government so interested in reforming auto insurance? Auto insurance had not

More information

A Consumer s Auto Insurance Guide

A Consumer s Auto Insurance Guide Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product

More information

A Consumer s Auto Insurance Guide

A Consumer s Auto Insurance Guide Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product

More information

Motorcycle Insurance. made simple

Motorcycle Insurance. made simple Motorcycle Insurance made simple What s inside: How to read your Allstate Motorcycle Policy Declarations Understanding motorcycle insurance: Coverages Deductibles Coverage limits What to do in case of

More information

Closed Automobile Insurance Third Party Liability Bodily Injury Claim Study in Ontario

Closed Automobile Insurance Third Party Liability Bodily Injury Claim Study in Ontario Page 1 Closed Automobile Insurance Third Party Liability Bodily Injury Claim Study in Ontario Injury Descriptions Developed from Newfoundland claim study injury definitions No injury Death Psychological

More information

FURR & HENSHAW. 1900 Oak Street, P.O. Box 2909 Myrtle Beach, SC 29578 Phone: (843) 626-7621. and

FURR & HENSHAW. 1900 Oak Street, P.O. Box 2909 Myrtle Beach, SC 29578 Phone: (843) 626-7621. and FURR & HENSHAW 1900 Oak Street, P.O. Box 2909 Myrtle Beach, SC 29578 Phone: (843) 626-7621 and 1534 Blanding Street Columbia, SC 29201 Phone: (803) 252-4050 YOUR AUTOMOBILE ACCIDENT CASE The purpose of

More information

CLIENT INTERVIEW FORM AUTO ACCIDENTS

CLIENT INTERVIEW FORM AUTO ACCIDENTS CLIENT INTERVIEW FORM AUTO ACCIDENTS Please fill out the following form to the best of your ability. YOUR INFORMATION First Name: MI: Last Name: Drivers License #: Date of Birth: Email Phone (work): State:

More information

Are Injured in a Car Accident

Are Injured in a Car Accident How recent changes in the law will affect you. know your rights. auto accident basics. Being the victim of an auto, motorcycle or truck accident can be a frightening experience. You may find yourself injured

More information

Is Your Neck Or Back Pain Caused By A Herniated Disc?

Is Your Neck Or Back Pain Caused By A Herniated Disc? Is Your Neck Or Back Pain Caused By A Herniated Disc? The bones in your spine are called the vertebrae. The vertebrae are held together and in place by ligaments and small discs that act as shock absorbers.

More information

Lighthouse IF YOU WERE THE DRIVER OF YOUR OWN VEHICLE, SOMEONE ELSE S VEHICLE OR A PASSENGER IN THE VEHICLE, ANSWER THIS SECTION COMPLETELY.

Lighthouse IF YOU WERE THE DRIVER OF YOUR OWN VEHICLE, SOMEONE ELSE S VEHICLE OR A PASSENGER IN THE VEHICLE, ANSWER THIS SECTION COMPLETELY. Lighthouse Chiropractic IF YOU WERE THE DRIVER OF YOUR OWN VEHICLE, SOMEONE ELSE S VEHICLE OR A PASSENGER IN THE VEHICLE, ANSWER THIS SECTION COMPLETELY. Your Auto Insurance Company Name Address Policy

More information

3 TRAPS THAT INSURANCE ADJUSTORS WILL SET FOR YOU..

3 TRAPS THAT INSURANCE ADJUSTORS WILL SET FOR YOU.. 3 TRAPS THAT INSURANCE ADJUSTORS WILL SET FOR YOU.. BUT READ THIS FIRST (AND CAREFULLY): You may be like many people who are in car accidents who want to try and handle your insurance claim on your own.

More information

The Top 13 Dirty Tricks

The Top 13 Dirty Tricks The Top 13 Dirty Tricks Insurance Companies Use And How to Defeat Them 644 Cesery Blvd. Suite 250 Jacksonville, Florida 32211 Phone: (904) 396-1911 Fax: (904) 396-1941 They are not your good neighbor,

More information

The Petrylaw Lawsuits Settlements and Injury Settlement Report

The Petrylaw Lawsuits Settlements and Injury Settlement Report The Petrylaw Lawsuits Settlements and Injury Settlement Report BACK INJURIES How Minnesota Juries Decide the Value of Pain and Suffering in Back Injury Cases The Petrylaw Lawsuits Settlements and Injury

More information

Automobile Insurance 1

Automobile Insurance 1 FCS7020 Automobile Insurance 1 Nayda I. Torres and Josephine Turner 2 An automobile is often the most expensive property that people own, next to a home. As a result, protection against loss of an automobile

More information

BAILEY CHIROPRACTIC LIFE CENTER

BAILEY CHIROPRACTIC LIFE CENTER BAILEY CHIROPRACTIC LIFE CENTER Jason A. Bailey, D.C. 224 Southpark Circle East St. Augustine, FL 32086 904-342-4941 Name: Male Female Today s Date: Address: City/State/Zip: Home Phone: ( ) Cell Phone:

More information

WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT?

WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT? WHAT HAPPENS AFTER A FLORIDA CAR ACCIDENT? This free EBook provides answers to car accident victims most frequently asked questions. This EBook does not provide actual legal advice, as every accident and

More information

The Motor Vehicle Accident - Answers to Frequently Asked Questions

The Motor Vehicle Accident - Answers to Frequently Asked Questions The Motor Vehicle Accident - Answers to Frequently Asked Questions The purpose of this article is to educate accident victims to their rights and duties when making their claims, so that the insurance

More information

TEACHER GUIDE 11.2 RISK MANAGEMENT AND INSURANCE PAGE 1

TEACHER GUIDE 11.2 RISK MANAGEMENT AND INSURANCE PAGE 1 TEACHER GUIDE 11.2 RISK MANAGEMENT AND INSURANCE PAGE 1 Standard 11: The student will describe and explain how various types of insurance can be used to manage risk. Different Types of Insurance Priority

More information

WHAT IS STENOSIS? DO I NEED SURGERY OR CAN POSTURAL THERPAY HELP?

WHAT IS STENOSIS? DO I NEED SURGERY OR CAN POSTURAL THERPAY HELP? WHAT IS STENOSIS? DO I NEED SURGERY OR CAN POSTURAL THERPAY HELP? Stenosis is a narrowing of the spinal canal. It usually occurs in the lower back (lumbar spine) or the neck (cervical spine) It occurs

More information

The insurance company is also responsible for reasonable towing or storage charges on your vehicle until you receive written notice otherwise.

The insurance company is also responsible for reasonable towing or storage charges on your vehicle until you receive written notice otherwise. If you have been in an automobile accident that is not your fault and your vehicle is damaged, you do have certain rights. If total property damage from the wreck to all damages appears to be over $1,000.00,

More information

TEN SECRETS. The Insurance Adjuster Won t Share With You

TEN SECRETS. The Insurance Adjuster Won t Share With You TEN SECRETS The Insurance Adjuster Won t Share With You -1- How much is my case worth? I have suffered injuries requiring medical treatment from this accident. How much extra compensation can I expect

More information

Auto Accident Victim s Guide

Auto Accident Victim s Guide Auto Accident Victim s Guide An auto accident is a traumatic experience and the moments afterward seem to race by in a blur. It s hard to keep track of all the details, information and choices you make

More information

CHIEF COMPLAINT: Please number your symptoms (1 is the most severe) that you have developed since the accident.

CHIEF COMPLAINT: Please number your symptoms (1 is the most severe) that you have developed since the accident. VANCE CHIROPRACTIC PERSONAL INJURY QUESTIONAIRE (PLEASE BE VERY SPECIFIC WITH YOUR ANSWERS THANK YOU!) Last Name First Name Middle Home Phone Work Phone Street Address and Number Mailing Address if Different

More information

Mild Brain Injury Recovery

Mild Brain Injury Recovery 2011 Mild Brain Injury Recovery Mild Brain Injury Recovery What is a mild brain injury? A brain injury is often caused by trauma to the head for any reason. If you had a change in your level of consciousness,

More information

Temple Physical Therapy

Temple Physical Therapy Temple Physical Therapy A General Overview of Common Neck Injuries For current information on Temple Physical Therapy related news and for a healthy and safe return to work, sport and recreation Like Us

More information

Business Auto Insurance. made simple

Business Auto Insurance. made simple Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions

More information

EVALUATING THE LOW IMPACT AUTO CASE. Dana G. Taunton BEASLEY, ALLEN, CROW, METHVIN, PORTIS & MILES, P.C. Montgomery, Alabama 36104

EVALUATING THE LOW IMPACT AUTO CASE. Dana G. Taunton BEASLEY, ALLEN, CROW, METHVIN, PORTIS & MILES, P.C. Montgomery, Alabama 36104 EVALUATING THE LOW IMPACT AUTO CASE Dana G. Taunton BEASLEY, ALLEN, CROW, METHVIN, PORTIS & MILES, P.C. Montgomery, Alabama 36104 I. INTRODUCTION Low impact auto cases may be simple or complex. A simple

More information