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Most adjusters function like Henry Hard-Nose of Rock Solid Insurance Corporation. They re thick skinned and difficult to deal with. Below is a typical verbal exchange a month or so after you and Hard-Nose had last met in an attempt to settle. At that time he had taken the position that the injury to your shoulder was not as serious as your attending physicians Medical Report stated it was. (Question: Do they fight what your attending physician wrote in their report? Answer: Yes, absolutely! Take it from Dan, who was on that firing line for over 30 years).

The following is a typical verbal settlement exchange after your last meeting had ended up in the air - - slowing floating around out there in outer space.

You first - - and here s the counter argument you should make: Look, with all due respect, you are not a doctor. You re no medical expert who has the know-how to second-guess my doctor. When we last met you said my shoulder was only a bruise as opposed to a dislocation. I have again talked to my doctor and he remains firm about the accuracy of his original diagnosis. He states that I absolutely suffered a dislocation of my shoulder. But, even apart from his analysis, I m the best judge of my own injury - - that is, how painful my life has been, and the suffering I ve had to endure .

At that point Hard-Nose will always attempt his usual tactic of interrupting your logic but stiffen up, wave him off and say, Look, let me finish. You owe me that because it was your insured who flew through a Stop Sign and bashed into me. You and I both know he s one hundred percent at fault and if this talk about settling for my pain and discomfort gets any more one-sided I m gonna be left with no choice but to hire myself a lawyer.

Hard-Nose will stiffen up! Now, you proceed, How is it sir, that its been over three months since this accident and there are times when I still suffer excruciating pains? How is it that I can t lift things like I used to? The truth is it hurts, it bothers me and it has disabled me. I ve been enduring it but it s been awful and it has disrupted my life terribly. My shoulder is not a mere bruise to me sir. Neither does my doctor say it is. He states that my shoulder was definitely dislocated and it will take several more months to clear up !

All of the above is an example of your central approach to the predictably belligerent, difficult-to-deal-with adjuster. You should be firm and aggressive but not hostile. Yours should be a thoughtful presentation that relies on the power and persuasiveness of a sound demand adequately documented and properly communicated.

The three crucial questions you must ask Hard-Nose are:(#1) How much will you pay me for the damage to my motor vehicle and all other provable property damage? (#2) How much will you pay me as a fair settlement for my provable lost wages and medical expenses? (#3) How much will you pay me for my disability and my Pain and Suffering ?

In most instances Hard-Nose will head for the hills - - unwilling to give you a straight answer. He ll sidestep and do a slow waltz by asking you a loaded question like, Okay, what do you think your claim is worth?

Such a question is predictable because Hard-Nose prefers that you re the one who makes the settlement demand first. Why? Because you may ask for less than what he was preparing to offer! And also because, if you make an excessive demand, he won t have committed himself to an offer which will have left no room for further negotiations. In other words, Hard-Nose is in his best position to exercise command and control over the manipulation (and setting) of the dollar amount to be paid when it s you that makes the settlement demand first, rather than he making the settlement offer. Don t provide him with this advantage!

To win this crucial game he must suspect you re close to obtaining a lawyer to handle your case so you should insist on the offer (one that s realistic and made in good faith) to come from him before you make your demand. Why? Because at that point it s all about who gets to control the value of your claim - - you or Hard-Nose?

It s not sufficient for Hard-Nose to merely come up with a phony offer. You must insist upon, and hold out, until he makes the first offer and that it s a realistic one. Then, and only then, is when you should respond with your own first counter-demand. Up until that point never let him know what you d be willing to settle for. If you do you ll lose control and that could cost you big bucks!

To learn more about how to handle and evaluate your motor vehicle accident claim, read Dan Baldyga s latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss). It can be found on the internet at http://www.autoaccidentclaims.com or your favorite bookstore.

Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved

DISCLAIMER: This claim tip ~ DEALING WITH HENRY HARD-NOSE ~ THE TYPICAL INSURANCE ADJUSTER is intended for background information. It s purpose is to help people understand the motor vehicle accident claim process. Dan Baldyga makes any guarantee of any kind whatsoever NOR purports to engage in rendering any professional legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUALS RESPONSIBILITY TO OBTAIN IT.

About The Author

Dan Baldyga - Author

19 Winona Drive, West Springfield, MA 01089

Phone: (413) 733 0127 FAX: (413) 731 8358

Mail to: dbpaw@attbi.com

AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM

(How To Evaluate And Settle Your Loss)

Found at: http://www.autoaccidentclaims.com

For 30 years Dan Baldydga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.

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Guidelines in buying cars online

The Web is a hassle free place to shop for cars. There are many advantages to shopping cars online. First, it greatly reduces the hassle of dealing with car dealers and salesmen. When buying a car online, you don’t have to listen to a dealer talk about the specs of a car. You just have to read all about it in a website. You don’t have to go to a showroom, you just to have to point and click your mouse and you could browse through different make and models of cars. And if you want to take a second look at a car it’s very easy.

The advantage of shopping for a car online is that all transactions can be done without you having to go out of your room. After ordering the car you want and paying the price, all you have to do is to wit for your brand new vehicle to be delivered to the nearest dealer. Some dealers would even deliver the car right at your doorstep (or garage for that matter).

There are basically two types of online car shopping website. One will only get you in touch with a real car seller. This means you have to transact the traditional way. Then there are websites that would take car of everything. Some websites would even deliver the car at your doorstep. Of course this would entail a bigger amount of service fee. And deliveries are made only to nearby areas.

But before you click and buy, you must first know exactly what kind of car you want. Determine the types of car you’re looking for and the price you are willing to pay for that car.

Below are some other tips on how to buy a car online.

1. The most important thing to do is to research. Don’t get too excited. Check on the different packages available.

2. Make sure that the Website you go to is secure and reliable. Most sites would let you browse by car type, by price range or both.

3. If you don’t want to make all transactions online then you could ask the dealer to meet you in person once you found him on the Internet. Upon meeting the dealer, negotiate with him as you would a normal car dealer and then sign the papers.

4. It’s not necessary to pin the model, year and male of the car you want to buy. Just a general picture would do. Determine how you will be using your new car and the reason why you are buying a car in the first place. Ask yourself what features are important to you. Do you give much ore importance to fuel efficiency than speed or vice versa? Are you more concerned about safety features than a good sound system? After you’ve done all these, it’s time to determine your budget. Just how much are you willing to spend for a vehicle?

5. Once you have decided on a brand and model car it would be prudent t6o check on the history of the particular car line. You can easily do this by consulting consumer magazines and websites. You could also check out the website of the cart’s manufacturer (e.g. Ford, Toyota, BMW, etc.)

6. If you cannot afford new models, there are websites hat sells used cars. Popular search engines usually have an automotive section so this is a good place to shop. If you don’t find one here you can try searching using the search string “used car.”

7. Check the background of the website of the online car dealer by clicking on the “about us” section of the site. It is advisable to buy only from websites which has detailed information about the vehicles they are selling. Ask if they have conducted inspections of each car in their lot through independent mechanics. If they have, then you’ll know that that website is a good place to shop for cars. Most manufacturers’ Web sites have detailed information on models, including available options, photos and MSRP (Manufacturer’s Suggested Retail Price).

8. Read reviews about the different make, model and year of cars. A good website must also have reviews and ratings for the cars they are selling. But you should also cross check by visiting independent car sites or sites that do not sell cars or are connected to car companies to get a more objective review.



About the author:



Jay is the web owner of http://www.new-cars-in.com New Car Quotes, a website that provides information and resources on searching for new cars, new car pricing, loans, and dealers. You can visit his website at: http://www.used-cars-in.net Used Car Prices

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Here are few tips and instructions on jump starting a dead battery. First things first, though. You need to inspect the dead battery. If you see any damage such as leaks or cracks. DO NOT go any further. Put away the jumper cables and call a wrecker. A damaged battery can explode and really hurt you. If the battery looks ok, then park the cars close enough to each other for the jumper cables to reach and shut off both engines. Now make sure the terminals are not caked with corrosion. Try to clean them off as best you can. A corroded terminal will make it a lot harder to jump the battery. At this point you are ready to hook up your jumper cables to the batteries. (Normally, the red cable is (+) positive and black cable is (-) negative)

They must be connected in this exact order:
1.Connect one end of the (+) positive cable to the (+) positive terminal on the dead battery.
2.Connect the other end of the (+) positive cable to (+) positive terminal on the good battery.
3.Connect one end of the (-) negative cable to (-) negative terminal on the good battery.
4.Connect the other end of the (-) negative cable to the engine block of the dead car.

You are ready to start up the good car s engine and charge the dead battery. First of all, shut off all electrical equipment on the good car. (head lights, radio, etc.) Let the good car s engine run for a minute or so before you attempt to start the dead one. Now get in the dead car and attempt to crank it. If it sounds like it wants to start but won t quite get there, give it some more time and try again. When the dead has started and is running, it is time to remove the jumper cables. This must be done in reverse order.

Here are the steps:
1.Disconnect (-) negative cable from the engine block on dead car.
2.Disconnect (-) negative cable from the (-) negative terminal on the good battery.
3.Disconnect (+) positive cable from the (+) positive terminal on the good battery.
4.Disconnect (+) positive cable from the (+) positive terminal on the dead battery.

After the dead car has been running for a while, turn it off. See if will start on its own. If it does, you should be ok on the drive home. If not, jump it again and have someone follow you home. When you arrive at home, you can then put a battery charger on it all night and see if it cranks in the morning.

About the Author

Jason is the webmaster for Red Hill Supply - Online Air Tools

Battery Chargers, Battery Boosters and More

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