INTRODUCTION

CHAPTER 1
FIRST THINGS FIRST

• Who to notify
• Accidents Involving The       Government
• Contact With Your Own Insurance Company
• Contact With The Other's Insurance Company
• Statutes Of Limitation

CHAPTER 2
YOU WERE THE VICTIM OF A TORT

• What Is A Tort
• Who Is Responsible
• Minors And Parents And Family
• What Financial Awards Can You Expect
• Basic Rules Of Liability

CHAPTER 3 
GATHERING ACCIDENT FACTS

• The Eye Witness
• Photographs
• Newspaper Accounts
• Developing A Diagram Of The Accident Scene
• The Police Report - If There Is One
• Crash Evidence
• Placing Yourself In The Other Driver's Position
• School Records

CHAPTER 4
DAMAGES

• Medical Special Damages
• Non-Medical Special Damages
• Property Damage Expenses
• Compensatory Damages
• Lost Time And Earning
• If You're A Housewife
• Sick Leave Or Vacation Pay
• Lost Opportunities
• Your Age
• Household Help
• Child Care and Travel Costs
• Gross Pay vs. Net Pay

CHAPTER 5
PROPERTY DAMAGE

• Actual Cash Value (ACV)
• Some General Considerations
• Total Loss
• Depreciation
• Fair Market Value
• Other Property Damage

CHAPTER 6
BODILY INJURY

• What Does The Injury Mean To You
• Signs And Symptoms
• Types Of Injuries
• Minor Bodily Injuries
• Pain And Nerve
  Impulses
• Spinal Cord
• Stress And Strain
• Anxiety
• Emotional Reactions
• Muscles
• Referred Pain
• Tendons And Ligaments
• Atrophy
• Scars
• Joints
• Arthritis
• X-Ray Examinations
• Whiplash
• Your Doctor Or Chiropractor's Role
• Documenting Your Disability
• Total And Partial Disability
• What A Medical Report Should Contain
• Subjective Complaints
• The "Senior Citizen" Crash Victim
• Hospital Records And Reports
• Demonstrating Your "Pain And Suffering"
• Residual Or Permanent Injury
• Emotional Distress
• Securing Compensation For Life Disruptions
• Missed Vacation Or Recreation
• Canceled Special Event

 

CHAPTER 7
INSURANCE ADJUSTERS

• Who They Are And How They Work
• The Adjusters Claim Load
• The Initial Contact
• Your Statement - Signed Or Recorded
• Tape Record Your Meetings
• Have A Witness Present
• Examination By The Insurance Company Doctor

CHAPTER 8 
BALDYGA AUTO ACCIDENT EVALUATION FORMULA

• The PREMIUM Value
• The MEAN Value
• The CORE Value
• The LOW Value
• Settlement
  Evaluation
• Examples
  Calculating The Settlement "Value"

CHAPTER 9
HOW TO NEGOTIATE WITH AN ADJUSTER

• The "Reasonable" Factor
• The Negotiation Process In Action
• Be Willing To Wait
• Stay On Top Of Your Claim
• Handling The "Negative" Type Of Adjuster
• Settlement Authority

CHAPTER 10
STALEMATE!

• Going Over The Adjusters Head
• Small Claims Court
• Contacting The State Department Of Insurance
• The Threat Of A Law Suit

CHAPTER 11
NO-FAULT INSURANCE - A GENERAL DISCUSSION

• States With No-Fault Jurisdictions
• "Add On", "Monetary Threshold" and
  "Serious Injury Threshold"
• States With "Add On" Coverage
• "Choice" 
• No-Fault
  States With "Monetary Thresholds"
• States With "Serious Injury Thresholds"
• The Bottom Line
  Regarding No-Fault

CHAPTER 12
SOME VARIOUS INSURANCE AND CLAIM HANDLING INSIGHTS 

• Property Damage Coverage
• Comprehensive Coverage
  Collision Coverage
• Uninsured and Underinsured Motorist Coverage
• Medical Payments Coverage
• Arbitration

APPENDIX A
Initial Personal Checklist Regarding Your Accident

APPENDIX B
Statutes Of Limitation

APPENDIX C
Locating A Missing Witness

APPENDIX D
After Impact Checklist

APPENDIX E
Sample Of A Lost Wage And Earning Verification Document
(Full Or Part Time)

APPENDIX F
Self-Employment Time And Money Lost Affidavit

APPENDIX G
Checklist Of Personal Injury Damages

APPENDIX H
State Listing Of Small Claim Court Limits

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