HOW TO WIN YOUR PERSONAL INJURY CLAIM

Without Hiring A Lawyer

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in 1896 there were only 4 cars registered in the entire United States. Two of them ran into each other in St. Louis, Missouri.

Regardless of how careful you are, the odds are still pretty good that at some time in your life you will be injured due to the carelessness of someone else, or the result of an unfortunate set of circumstances.

Americans have long realized that insurance companies are founded on one basic principal - Paying out in claims less than they collect in premiums. By their very nature, insurance companies are structured to pay the least amount to settle a claim they can get away with. Despite what their advertisements and agents would have you believe - you are not "in good hands" with an insurance company. Your best interest is not what insurance companies have as their primary concern - profit is!

With the right information anyone can handle their own personal injury claim and save for yourself the 40-50% you would pay a lawyer

This book details the secret "Formula" used by insurance companies to determine the value of your claim

  • Step - By - Step Guidance shows you how to:

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    INTRODUCTION

    You don't have to go to law school to handle most personal injury claims. Common sense, persistence and patience are the keys to achieving a fair and full settlement of an insurance claim.

    What most people need is not a lawyer to handle the process for them. What they need is information. Information about how the process of insurance claims 'really works; saving for themselves the 40%-50% off the top of their settlement that can quickly go to a lawyer. After all- who will work harder to get you the fairest and most dollar value out of your personal injury in the shortest amount of time than you?

    Personal injuries can occur in a wide variety of ways. The following is only a partial listing of the most frequently occurring personal injury accidents and resulting claims:

    Much like insurance companies, the medical services industry, does not have your best interest as their primary concern. Both medical services providers and insurance companies are large impersonal organizations founded first and foremost to make a profit.

    They are also the two least regulated mega-profit machines that have ever developed in a free society.

    There is nothing inherently wrong with making a profit - it is the cornerstone of the American economy. What is cause for concern, are the methods used to make a profit in both the insurance and medical industries. I

    insurance companies will get 12 cents of every dollar you make; whether you are ever involved in an accident or not; for such necessities as home, car, health, and life insurance. It is almost certain that the medical industry will take an even larger percentage of your every dollar.

    Although the insurance and medical industries continue to blame each other for their own rising costs, both are intertwined in a never-ending maze that allows them both to profit at the expense of you - the consumer - particularly the injured consumer. Unfortunately all efforts to provide a national health care system guaranteeing a minimum standard of health care for all American citizens has as yet been wholly unsuccessful. It is no surprise that both the medical and insurance industry giants have lobbied the hardest and fought tirelessly to guarantee their own monopoly of services continues virtually unchecked; working for the defeat of any attempt to provide a national health care system.

    America ranks last in providing a safety net for its citizens who, due to no fault of their own, are injured and unable to work or be self supporting. Social Security Disability which does offer some protection for those suffering permanent disabling conditions, is of very little, or more often, no help to those countless numbers of citizens who are severely injured but do not meet the strict requirements of being 'permanently disabled as defined by Social Security.

    Lastly there are the lawyers. It is not surprising that the laws favor lawyers and their continued success. After all - most legislators in both the state and federal system are lawyers. Lawyers routinely take anywhere from 33% - 50% off the top of all moneys collected for their clients in a personal injury claim. Much like the insurance and medical industries, the legal industry is largely unregulated.

    The three largest and least regulated industries in the world are also the three industries who stand to profit the most from your personal injury;

    • insurance companies,
    • medical providers, and
    • legal service providers

    Many of those who have found themselves injured have been shocked to realize that virtually every where they turn for help - for services - everyone is making a huge profit from their injury.

    By better understanding the processes and procedures, as well as the criteria and standards used to evaluate a claim for compensation for a personal injury, a claimant can greatly improve the likelihood that their claim will be approved and benefits will actually be received.

    It is very difficult, if not darn near impossible, to win at a game where you don't know the rules and requirements.

    If only the person making the decision about your very survival knows what the rules are, you have no way of knowing if they are in fact fairly applying the rules to your claim.

    Unless you educate yourself and know what the rules and standards are that should be applied to your claim, you will never know if the criteria were properly applied to your situation.


    This book provides the information essential to understanding the process used to determine the value of your claim and guides you through every step of the process from:
    • evaluating your claim's value- (according to the insurance company's own 'formula',
    • filing the initial paperwork,
    • gathering medical information,
    • notifying the insurance company of your claim,
    • dealing with an adjuster,
    • negotiating a fair and full settlement of your claim and
    • actually receiving a settlement check.

  • TABLE OF CONTENTS:
    • ABOUT PRO SE PUBLICATIONS
    • THE LAWYERS
    • INTRODUCTION
    • THE VALUE OF YOUR CLAIM IN DOLLARS AND CENTS
      • How do lawyers know how much your claim is worth?
      • How do insurance companies decide how much to pay?
      • BASIC FORMULA USED TO DETERMINE A CLAIM'S VALUE
    • SOFT VERSUS HARD INJURIES
    • Applying the Damages Formula
      • SOFT TISSUE INJURIES
      • 'HARD' INJURIES
        • Broken Bones:
        • Spinal (Back & Neck) Injuries
        • Head Injuries
        • Separations, dislocations, ligament, cartilage, and joint injuries
    • NOT ALL MEDICAL CARE IS "EQUAL"
      • Physical Therapy
      • Chiropractors:
      • Length of Treatment
      PAIN AND SUFFERING
      • Can you 'prove' it?
        • Prescription Medications
        • Recovery Period.
        • Back injuries - the special case
        • Misery
        • Emotional Distress
        • Turning your Life Topsy-Turvy
        • Missed School
        • Missed Job Opportunities
        • Lost Wages
        • Property Damage
        • "Totaled"
        FULL & FAIR SETTLEMENT VALUE
        • TRIAL VALUE
        • NUISANCE VALUE
        FAULT AND LIABILITY
      • Who has to pay?
      • LIABILITY
        • Negligence
        • Comparative Negligence
        • Duty of care
        PROVING FAULT
        • COMPARATIVE NEGLIGENCE
        • STATES WITH NO RESTRICTIONS
        • STATES WITH A 50:50% RULE
      • THE 0% RULE (CONTRIBUTORY NEGLIGENCE)
    • AUTO ACCIDENTS
      • RULES OF THE ROAD
    • PROPERTY OWNER'S DUTY TO MAINTAIN SAFE 'PROPERTY
    • INJURED PERSON'S 'DUTY'
    • RENTAL PROPERTY
    • REASONABLENESS
    • ON THE JOB INJURIES
    • DEFECTIVE PRODUCT'S LIABILITY
    • STAIR-WAY TO INJURY
    • LIABILITY TO AND FOR CHILDREN
      • Injured Child.
      • Child 'causing' Injury
    • PROCESSING A CLAIM
      • The documentation process
      • Police Reports
      • Pictures are worth a thousand words:
      • Witnesses
      • Check the laws in your state
    • DOCUMENTING YOUR INJURIES DOCUMENTING YOUR EXPENSES
      • Medical bills
      • HMO's A Special Case
      • 'medical lien'
      • LOST INCOME
    • PROPERTY DAMAGE
      • Auto Damage
      • Actual Cash Value
      • Your Own Insurance
    • Dealing directly with the insurance company of the person at fault
    • REVIEW OF FACTORS AFFECTING YOUR FULL & FAIR SETTLEMENT
    • NEGOTIATING A SETTLEMENT
      • Dealing with "adjusters"
      • Collateral source rule
    • DEMAND LETTER
      • Writing A Demand Letter
    • THE POWER OF WORDS
    • OUTLINE
      • FAULT
      • INJURY
      • MEDICAL CARE
      • LOSS
      • DEMAND
      DETERMINING THE DOLLAR AMOUNT OF YOUR DEMAND
    • SUPPLEMENTAL 'EVIDENCE'
    • THE "ART" OF NEGOTIATION
    • FIRST 'OFFER'
    • PUT IT IN WRITING
    • POLICY LIMITS & UNINSURED UNDER-INSURED COVERAGE WHEN AN ADJUSTER REFUSES TO "COOPERATE"
      • BAD FAITH
      • THE 'BIG' STICK
      • "I'LL HIRE A LAWYER!"
      • SMALL CLAIMS COURT
    • FINAL SETTLEMENT
      • YOU WANT WHAT?
    • LIENS
      • REDUCING AN HMO LIEN
      • THAT'S WHAT I PAY MONTHLY PREMIUMS FOR!
    • TAXES ON YOUR SETTLEMENT MONEY
    • Pain and Suffering.
    • Out of Pocket Lost Income
    • Medical "deductions"
    • Get professional tax help
    • COMBINED LISTING
      • State Departments Of Insurance Addresses
      • Statute of Limitations

      The book is available in Word Perfect, Microsoft Works For Windows, or ASCII Text format
      (readable by every known word processing program on the planet)
      ; making it fully searchable using standard word processing search features. $39.95 + $3.95 postage & handling = $43.90 Total (Texas residents add $2.90 sales tax = $46.80 total).

      Payment is currently accepted by: Money Order, Cashiers Checks and Personal Checks made payable to:
      Pro Se Publications
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      Wichita Falls,
      Texas 76302

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      Please be sure to specify the format, i.e. WP(Word Perfect), MS (Microsoft Works), or ASCII on your order. All unspecified orders will be shipped in universal ASCII Text. "divorcehelp@sw.rr.com

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