CHAPTER THREE: CAPTURING ACCIDENT FACTS 
     "...Photographs of skid marks can be invaluable since they are enormously helpful in determining fault. They can be crucial in a personal injury claim because they will prove the tremendous impact your body was subjected to ..." 

     "...Color photographs of scarring, swelling, bruising and/or black-and-blue marks are dynamite additions to your claim. They can be very dramatic and add substantially to your settlement figure because they will justify your moving from one of the "Values" that The BASE Formula has provided you, to another. You must remember, however, that the adjuster will not be out there collecting this evidence for you; it's up to you to do the extra work of gathering these accident facts so you'll obtain the maximum settlement possible..." 

CHAPTER FOUR: DAMAGES
     "...The adjuster may tell you he wants you to be examined by the doctor of his choice.   Beware of such a request. Doctors assigned by the insurance company are notorious for finding nothing wrong with the claimant, and for stating in their medical report that 'there is no objective basis' for your complaints..." 

     "...You don't have to agree to be examined by the insurance company doctor unless your claim becomes a formal court case. Hold your ground until your attending physician has released you before you agree to be evaluated by their company physician. By then, it's too late! So much time will have passed it will be impossible for their doctor to negate or even minimize the pain, discomfort and suffering your injury caused you..." 

CHAPTER SIX: BODILY INJURY 
     "...Whiplash is a convenient way of designating certain accident facts that produce pain in the cervical area. The term carries no medical connotation, but there's no question that a whiplash-type injury can be very painful and last a long time..." "...It's possible to be struck a blow that produced very little property damage to your motor vehicle, yet the impact caused you a whiplash-type injury..." 

CHAPTER SEVEN: THE INSURANCE ADJUSTER 
     "...Adjusters are usually assigned a heavy load of new claims each month. Because of this they are continually working to close as many files as possible, just to stay even. They're under pressure to settle your claim - to get rid of it and move on.   Most people aren't aware of the advantage this holds for them ..." 

CHAPTER EIGHT: THE BASE FORMULA 
     "...The Baldyga Auto Accident Settlement Evaluation Formula (BASE) is an easy to use four tiered multiplier with flexible calculations incorporated into its structure. It's predicated on the knowledge that in the vast majority of personal injury motor vehicle accident cases, where the liability is undisputed and the soft-tissue injures are basically the same, that the settlement value arrived at (give or take 10% to 20%) is usually two, three or four times the so-called Special Damages, as detailed in Chapter 4..." 
     "...Prudence dictates that in the evaluation of any bodily injury claim, some latitude must be built in when determining that figure because the facts and circumstances of every situation will vary to some degree. BASE has been constructed to accommodate these variations..." 

CHAPTER NINE: HOW TO NEGOTIATE WITH AN ADJUSTER 
    "...The first rule of bargaining with the adjuster is, never lower your demand until the adjuster makes a counter offer..." "...Most of the time an adjuster's counter-offer, especially his first one, is negotiable. Your response should be, "Is that your maximum authority?" Now you're asking him to bid against himself. You're not committing yourself to a lower figure than your initial demand ..."