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Approximately 12.8 million motor vehicle accidents in the United States were reported on December 2003. This amounts to about one crash per second - quite an alarming data.

To boot, we should dispel myths, misconceptions and erroneous judgment about vehicular accidents. Some say that drunk persons don�t get injured as much. This is fallacious. A study showed that occupants of the vehicle who were aware of the immediate danger of collision had less severe injuries and considerably less at risk. Another erroneous assumption is that the amount of injury is directly proportionate to the amount of damage to the car. There can be grave inverse correlation between vehicle damage and injury levels. As the vehicle becomes more rigid or inflexible, damage costs are lessened however the occupant is susceptible to an increasing potential for injury.

Aside from the aforementioned assumption, others also believed that few residual spinal problems result from MVA injuries. The truth is that spinal injury is the primary concern in a collision. Minor injuries include cervical spine trauma, neck injuries, soft tissue abnormality, cervical-thoracic injury and post MVA disabilities.

Another misconception is that if a vehicle has a 2.5 m.p.h. bumper and said bumper was not damaged, the impact was under 2.5 m.p.h.
Empirical evidence discloses that in vehicle to vehicle collisions, the bumpers will not likely be damaged until bumper standard speed has been exceeded by a factor of 2 to 8 times. It is noteworthy that the design of modern bumpers often prevents the direct observation of bumper damage without physical removal of the bumper.

The vehicle�s speed determination can be both qualitative and quantitative. Qualitative is typically subjective and involves personal observations of witnesses or participants. Quantitative determination, on the other hand, involves the determination of the precise number of range. This can be made in two ways. The first one is direct measurement and the second is the application of laws of physics to the physical evidence of collisions. Quantitative method though, has its limitations. Often there is limited physical data on pre-impact action or post-impact movements. As a consequence, it is often necessary to combine quantitative physical evidence and the qualitative observations of the participants regarding actions and movement.

The bottom line here is that in all vehicular accidents, no matter how minor the damage, the individual injured should seek medical attendance for examination or consultation so that he will know if there is grave damage and for the doctors to give him medication or treatment.

About the Author

For additional legal information and inquiries about the article log on to http://www.attorneyservicesetc.com

The �Bottom Line� regarding �Whiplash Crash Facts� (accumulated during 2004 - - and including all the previous years) are as follows:

THERE ARE EIGHT SERIOUS AND ABSOLUTE FACTS IMPACTING AND REGARDING THAT WHICH IS TODAY IDENTIFIED AS A �WHIPLASH� INJURY. THEY ARE AS FOLLOWS: 1#. The �Threshold� for cervical spine soft tissue injury becomes a reality at 5 MPH.2#. Most injuries occur at speeds below 12 MPH. #3. Crashed cars can often withstand collision speeds of 10 MPH (some even more) without sustaining damage. (THUS: The concept of �No Property Damage - No Cash� has absolutely been invalidated)! #4. A delay in the onset of symptoms has been found to be the �Norm� rather than the �Exception�. #5. Mild traumatic brain injury can be the result of a Whiplash -Type injury. (These symptoms are often referred to as, �Post Concussion Syndrome�). #6. Up to 10% of victims of �Whiplash� become totally disabled ! #7. Of the 31 important whiplash studies since 1956 (19 of them executed since 1990) regarding patients from all vectors of motor vehicle accident collision impacts (be they rear, frontal, or side) it was found that �over 60% of them� needed long-term medical follow-up. #8. In 2003 several million Americans suffered a �Whiplash-Type� injury. This figure flows into the stratosphere each and ever day at an alarming rate of speed!

TIME NEEDED TO RECOVER

Studies have proven that 45% of the victims remained symptomatic at 12 weeks and 25% remained symptomatic at 6 months. The most minor cases needed at least 8 weeks to recover. The time needed to stabilize in the more severe cases took 17 weeks. THUS: The written (and often declared) notion that �Whiplash Injuries Heal In 6 To 8 Weeks� is just not true !

CHILDREN AND THE �WHIPLASH-TYPE� INJURY: Youngsters who have had Whiplash-Type injuries display sleep disturbances and nightmares, difficulties in talking to parents and friends, mood disturbances, poor academic performance and specific fears when it came to impact related play. ANOTHER SERIOUS CONCLUSION: Children who have been involved in motor vehicle accidents are often neglected as having had �Any various types of injury�, when in actuality, they suffer from the same symptoms as adults. As a matter of fact, they�re at a greater risk for damages - - especially when it comes to �WHIPLASH� !

THE FIVE MOST COMMON MYTHS AS APPLIED TO �WHIPLASH�

#1. Low speed impact crashes don�t cause injuries. #2. Injuries heal in 6 to 12 weeks. #3. A patients pre-injury psychological makeup affects recovery.#4. The greater the vehicle damage the greater the occupant injury.#5. An �Accident Re-Constructionist� can predict injury potential. All five of these �Conclusions� have been proved to be totally incorrect !

THREE SOLID �INJURY-CRASH-FACTS� size=2>

#1. Most injuries occur at speeds below 12 MPH.#2. Rear-end impacts of 6 MPH to 12 MPH cause the most injuries. #3. Between 1 and 2 years post-injury, 22% of patient�s conditions have not returned to �Normal�.

NINE ABSOLUTELY CORRECT WHIPLASH �RISK-FACTORS�

#1. DEGENERATIVE DISEASE: Headaches and/or neck injury pain (for whatever reasons) prior to the crash. #2. PRE-EXISTING HEALTH PROBLEMS: These can positively lead to even greater pain. (For example: A solid Arthritis situation will always lead to the severity of the injury and the pain).#3. VEHICLE SIZE: Even if both are about the same size an 8 MPH impact produces two times the force of gravity. If one is greater than the size of another the Gravity-Force becomes monumental! #4. HEADREST POSITION: The injury becomes much worse if it�s too far away. It must be close enough to catch the head in time - - or about 2 inches. (Over 98% of the headrests are more than 2 inches from the head). #5. POSITION OF HEAD AT IMPACT: If not positively straight (it rarely is) all the G Forces are localized to one side of the spine, substantially increasing the severity of injuries. #6. AGE: How old one is plays a crucial role regarding a �Whiplash-Type� of injury. Why? Because as the body becomes older, ligaments become less pliable, muscles are weaker and less flexible plus there�s a decreased range of motion. #7. WOMEN AND CHILDREN: They injure more seriously than men because they have smaller necks. They may also be too close to the steering wheel, airbag and/or are wearing an improper fitting shoulder harness. #8. NON-USE OF: The motor vehicle�s shoulder harness. #9. FAILURE TO WEAR A SEATBELT !

ALWAYS REMEMBER YOUR MEDICAL PAYMENTS COVERAGE

YOU MUST READ AND UNDERSTAND ALL THERE IS TO KNOW ABOUT YOUR MOTOR VEHICLE INSURANCE �MEDICAL PAYMENTS� COVERAGE: This coverage pays all Medical (and often even funeral expenses) for you, your spouse and even relatives living in your home, and/or others who are injured while operating your motor vehicle.

HERE�S A �BIGGIE� THAT MANY PEOPLE ARE NOT AWARE OF: You and your resident family members may also be covered as pedestrians regarding the payment of your medical bills - - should you have been struck and injured by a motor vehicle.

PLUS: WHEN IT COMES TO YOUR MOTOR VEHICLES �MEDICAL PAYMENTS� COVERAGE - - HERE ARE TWO HUGE FACTS YOU MUST INVESTIGATE: #1. You�re usually paid (regardless of who was at fault for the accident) up to the limit of the coverage you�ve selected. #2. The coverage often extends to expenses incurred - - within he first three years of the accident !

Copyright (c) 2004 By Daniel G. Baldyga

DISCLAIMER: The only purpose of this article THE MOTOR VEHICLE ACCIDENT �WHIPLASH-TYPE� INJURY - - AS OF 2004 is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go, nor ARTICLECITY.COM make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, claims consultant or the like. Whenever such help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain such services.

All of the information necessary for you to deal with and handle the above issues are spelled out within the contents of Dan Baldyga�s third �How To� Insurance Claim Book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will tell you exactly how many dollars the �Pain and Suffering� you endured because of your accident - - are worth!

About The Author

Dan Baldyga is now retired and spends his time writing articles to assist those who are involved in motor vehicle accident claims so the won’t be take advantage of: dbpaw@comcast.net.

Here�s some �Inside-Info� you must know so you won�t be taken advantage of on your motor vehicle accident insurance claim and also: SO YOU CAN COLLECT EVERY DOLLAR THAT�S OWED TO YOU !

The following 8 are just �The Tip Of The Iceberg�:

#1. There are situations where you can collect for your �Lost Wages� even if you were paid by your employer and/or collected �Sick Leave� while unable to work.

#2. You can collect money and be reimbursed for any and all �Over The Counter� (non-prescription) medication you purchased during your recovery.

#3. Under normal circumstances unless a claim ends up in court (several years after impact has taken place and you are fully recovered) you do not have to agree to be examined by the insurance company�s doctor.

#4. There are many times that come to pass where you are entitled to collect the �Gross Amount� of your lost wages, not the so-called �Net After Taxes�.

#5. If you�re a housewife, you can often recover for �Lost Wages� (based on the �Value� of a maid or a domestic servant, who would execute the same work) which you could not perform due to the injury.

#6. You are entitled to extra compensation if you can prove you were forced to cancel a vacation and/or a special event.

#7. Under certain circumstances you may be able to make a claim (and collect for) a personal injury even if your state is �No-Fault� and you already have PIP (Personal Injury Protection) coverage.

#8. Your friends, and even relatives, have the right to execute statements which you can send to adjusters (and/or anybody you feel should get one) going into detail as to what happened to your body and what they�ve observed you�ve had to deal with (via your �Pain and Suffering�) during your period of recovery.

These statements can often provide you with an even greater dollar value - - when it comes to the calculation and then the ultimate settlement of your personal injury claim!

DISCLAIMER: The above article “INSIDE-INFORMATION REGARDING YOUR MOTOR VEHICLE ACCIDENT CLAIM” is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga,nor ARTICLE CITY any guarantee of any kind whatsoever, NOR to they purport 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�S 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.caraccidentclaims.com or 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 BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA explains how to determine the value of the “Pain and Suffering” you endured - - because of your personal injury !

Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved

Dan Baldyga - Author
dbpaw@comcast.net AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
http://www.autoaccidentclaims.com

About The Author

For 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and also a Trial Assistant. He is now retired and spends his time attempting to assist thsoe involved in motor vehicle accident claims so they will not be taken advantage of: dbpaw@comcast.net.

Handling a property damage and/or personal injury (motor vehicle) claim yourself is a simple and routine procedure for ordinary individuals to process on their own ! The vast majority of motor vehicle accident claims require no specialized expertise which allows one to successfully settle it.

There are five characteristics found which makes them easy for one to undertake without handing their case to a lawyer:

#1. The vast majority of them are �Ordinary� in character.

#2. By and large they don�t involve serious injuries.

#3. More often than not (in comparison to the 10 to 15 percent that do) their are relatively low financial stakes and also minor economic losses involved.

#4. They�re processed by the insurance company (who will ultimately be responsible for a payment to be made) in a highly routine, assembly-line format.

#5. Both parties are ordinary citizens (rather than institutions) and demand no specific expertise to undertake.

There are thousands of laypersons who are under the impression that when they gave their case to a lawyer that the large �Contingency Fee� which the attorney will eventually take is in exchange for a guarantee of SKILLED and PROFESSIONAL representation. Too often they suddenly learn differently (but by then it�s to late) because by the time that realization arrives they�ve already been taken to the cleaners!

Most of us believe that lawyers have passed rigorous examination, so we assume that when it comes to the proper execution of legal documents and knowledge of the law, that surely they know what they�re doing. But, �How To� properly handle and investigate a client�s motor vehicle accident case, is not a skill learned in law school. Most lawyers don�t have it - - nor do they take the time to develop them.

It�s not for his great knowledge of the law, or his great expertise in courtroom skills, that an attorney can be effective in securing for his client the best possible settlement in their motor vehicle accident cases. Rather it�s possessing the skills and ability to make patient, painstaking investigations, to gather information and document a claim. But, here�s the problem: The vast majority of lawyers lack those essential attributes so as to position themselves to correctly process a clients motor vehicle accident claim.

QUESTION: �How can Dan Baldyga be so sure about what he�s written regarding the above?� ANSWER: �Because Dan was an Insurance Claims Adjuster, Supervisor, Manager and Trial Assistant. He observed all of that come to pass - - for over 35 years!�

FURTHER INFORMATION ON THE SUBJECT OF LEGAL FEES: The Rand Corporation for Civil Justice in Santa Monica, California found that accident victims who filed claims in Federal and State courts in the United States were awarded $21 to $25 billion of the $29 to $36 billion in total national expenditure made on all tort lawsuits in 1985. (Just imagine how much that figure has increased , over the many years, since then!).

HOWEVER - - AND USING THOSE SAME STATISTICS - - THE FOLLOWING WAS ALSO TRUE: After deducting the lawyer�s fees on all tort lawsuits in that same year, the victims wound up going home with a �Net� compensation of approximately $14 to $15 billion. These figures proved that the injured party received 56% of that figure, while the �Litigation System� got the rest = 44%! (The combined lawyers fees alone constitute a whopping $11 to $13 billion dollars of the amount paid!)

So, you may ask: Does the average claimant need a lawyer (who more often than not knows little or nothing about �How To� settle a (motor vehicle ) accident claim)? The answer is: No, they don�t!

WHY? Because rather than resisting a payment the adjuster only wants the claim to be supported by documentation. Proof that will provide him and his superiors, in the Home Office (via the evidence of value received) which has been nailed down with Medical Bills, Lost Wage Letters, and similar documents. You don�t need a lawyer to obtain these for you because you can get these yourself. So, don�t believe the legal fraternity�s typical mumbo-jumbo con-job regarding, �My expertise when dealing with the Insurance Company�.

And why not you may ask? The answer to that one is very simple: Because when presented with these the adjuster will become a willing buyer, whether your have a lawyer representing you or not!

DISCLAIMER: The only purpose of this article SETTLING YOUR MOTOR VEHICLE ACCIDENT CLAIM YOURSELF is to help people understand the motor vehicle accident process. Dan Baldyga, Peter Go, Nor ARTICLECITY.COM make any guarantee whatsoever; NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, claims consultant or the like. Whenever such help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain such services.

All of information necessary for you to deal with and handle the above issues are spelled out within the contents of Dan Baldyga’s third “How To” Insurance Claim Book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.caraccidentclaims.com OR http://www.autoacccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will tell you exactly how many dollars the “Pain and Suffering” you endured - - because of your accident - - are worth

Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved

About The Author

Dan Baldyga is now retired and spends his time writing articles to assist those who are involved in motor vehicle accident claims so they won’t be taken advantage of: dbpaw@comcast.net

You can turn your vehicle into a rolling advertisement. Costs start at just a few dollars, and you can put your business name, slogan, phone number and web site URL in front of thousands of potential customers while you are driving along the freeway, stuck in traffic or even while you are parked. Here are some of the best ways to use your vehicle as a marketing tool.

Bumper stickers are so inexpensive that you may want to print enough for employees, friends, family members, customers and others. Publisher Susan Sabo of Small Dogs Press made bumper stickers saying, �I do bad things for love,� along with the Small Dogs web site URL. The line is from one of their books, and everyone who sees the bumper sticker wants one. Sabo sells them at her web site, and gives them away at book fairs. Of course, she has one on her car, and says she has given them to all of her friends, too.

License plate frames are a favorite of car dealers and auto repair shops, but they can work for any business. You can have them custom made with your business name or slogan, along with a phone number or URL.

Magnetic signs are an easy and low-cost way to put a lot of information on your car. Put them on both sides of the car, and make sure the lettering is large enough to read, even from a distance and when the vehicle is in motion. Personal chef Sue Gaughenbaugh added an effective twist to this idea. She bought a supply of magnetic business cards and placed them around the sign on her truck. When customers see her truck in a parking lot, they can pick up a card to take with them. Gaughenbaugh started getting calls from new customers within days of putting the take-away magnetic cards on her truck.

Vinyl decals and window stickers are a highly visible way to promote your web site. Put the URL in large letters across the width of your rear windshield. After all, you never know who might be behind you in traffic. This is most effective if you have a catchy and descriptive domain name. Custom stickers are available at prices starting under $20.

You can order many of these items from local printers and sign shops. Or, do an online search for companies that can create bumper stickers, magnetic signs, decals and other promotional items.

And when you are ready to go all-out, consider a vehicle wrap. These vinyl decals look like a custom paint job and cover your entire vehicle with bright, high-quality graphics. This is not a do-it-yourself project, but you can hire companies such as www.coloredink.com to design and install the graphics. At an estimated cost of $3,500, this option is much more expensive than the others described here, but it will certainly make an impression on the other drivers you encounter.

When your car is a traveling billboard, the time you spend in traffic will become more productive.