Jumat, 23 Juni 2017

Insurance Claim: Collecting Your Lost Wages

A couple months ago you were toolin' on down the avenue, minding your own business, when out of nowhere, this fumbling, stumbling man by the name of Freddie Fuddle flew through a Stop Sign and plowed into you with a gigantic, rip-roaring, screeching broadside. You were wearing your seat belt but it was still a thundering crash that wrenched and whipped you around the inside of your motor vehicle something fierce!

Now, after a long recovery period, Fuddle's carrier, Granite Mountain Insurance is clamoring to close the case and they've assigned Claims Adjuster I. M. Strong, to handle your case. You and Strong are sitting at your kitchen table talking about your settlement dollars. It turns out he's got some hang-up's regarding your lost income. Well, here are some things you need to know:

Lost wages are one of the most important element's of your damages. Listen to me carefully when I say, "You should not think about the days you missed from work as Lost Time and Earnings. It's not Lost Time and Earnings - - it's Lost Earning Capacity"

You ask, "What's Lost Earning Capacity all about? I thought I could only collect for my Lost Income?" The answer to that is, "In many situations you can claim lost income EVEN IF YOU HAVEN'T LOST ONE SINGLE PENNY ". For example, this can happen when your salary is paid because you've elected to apply for the sick leave that's due you, or because of an Accident and Health Policy available for you to take advantage of, or some other such arrangement.

In most instances - - even if you were paid while out of work - - you should still get that money routinely identified as Lost Wages. Why? Because that's your Lost Earning Capacity. Your Lost Earning Capacity is what's called a Compensatory Damage. Don't let Strong swindle you out of that Compensatory Damage. Even if you've received an income, in some other way, you're still entitled to it. Strong will do everything he can to take advantage of you, especially when it comes to getting paid for your Lost Earning Capacity. During the course of every settlement negotiation he gets involved in, he'll try that tactic on for size, and it's mind-boggling how often he gets away with it.

The typical statement made at that point, by the unsuspecting claimant is, "Hey, I understand I'm to be paid for my lost wages."

Strong answers, "You collected $200.00 a week from your Accident and Health Policy didn't you?"

"Yeah, but my average weekly income last year was $275.00 a week."

"Okay", I. M. Strong flashes a well practiced, winning smile, that tells you he's a fair insurance claim adjuster, when in his black heart, he knows he isn't, "We'll pay you that $75.00 a week difference. Let's see, you were laid up and unable to work for 5 weeks. 5 times $75.00 is $375.00. Don't worry my friend, I'll see to it you're paid that $375.00."

"Wow!" you think, "that's terrific !." You're thrilled to death with this great turn of events.But what you don't know is that the $200.00 a week you've received from your Accident and Health Policy has absolutely nothing to do with your lost income.The bottom line is that Smart has just cheated you out of a thousand dollars! And, worse than that, the $275.00 a week income you lost (for a total of $1,375.00) would have (in a court of law) given your case $4,000.00 to $5,000.00 more value in settlement dollars.

DOCUMENTING LOST INCOME: Ask the company you work for to write a letter on their official stationary declaring your gross salary income and the days you lost from work.

GROSS PAY VS. NET PAY: You should collect the "gross" wage's you lost, not the "net".

TOTAL DISABILITY and/or PARTIAL DISABILITY: For every week of Total Disability (a fact which must be stated in your doctors Final Medical Report) you should use your gross weekly income - - even if you were paid! (For every week of Partial Disability your doctor states in that Final Medical Report, you have the right to claim a substantial percentage of your income, during that period, even if you didn't lose any).

Because the following five points give value to your claim be ready to talk with Smart about and, wherever possible, prove:

(1) If your work demands heavy labor and/or lifting. (2) If you lost any vacation time or sick leave. (3) If there was any possible loss of money you could have earned in the future - - either with your company or maybe other income you've got bubbling and boiling on the side. (4) If you had to forgo any bonuses. (5) If you lost an opportunity that would have led to a better job.

If any of the above five points are true than your claim is worth more money!

THE CRUCIAL MEDICAL REPORT: The Granite Mountain Insurance Company and Adjuster I. M. Strong know that the longer your recovery period, the greater your "pain and suffering", therefore the higher the settlement value of your bodily injury claim. Your Chiropractor or Attending Physician must also note this in his Final Medical Report. Tell him to state exactly how long it will be, before you can get back to routine activities like golf, hunting, fishing and/or rockin' and rollin' with your lady friends.

As long as you have problems keep right on going back to see your doctor, again and again, even if it drives the poor bugger nuts! Do this because the fact that your records show a visit to him, four, eight, or twelve weeks after the accident, proves your injury needed constant attention, therefore you were unable to work. Also because, when you visit your doctor and tell him there's no let-up of your pain, discomfort, stiffness or immobility - - those continuing problems must be written into the Medical Report he'll provide for you when you've finished treatment. That's the one you'll hand to Adjuster Smart when the two of you begin to talk turkey. As he reads it you'll watch him frown, then blanch as that cocky smile disappears from his face. When you see him do that you'll know, "ya got him"!

DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor Article City 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, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to obtain said services.



Jumat, 16 Juni 2017

Affordable Health Insurance For Everyone

Many people are so convinced that they can not afford health insurance, that they never actually look into getting any. It sort of makes sense that if you are convinced that you do not have the money then why bother checking into any of it. What these people do not realize is that there are options that are less costly than people realize. There are even some plans that are made available by the government.

Keep in mind, there are some things the government programs will not help with, but pregnancy is not one of them. If you are pregnant, or want to be in the near future, it would be wise to get the paper work started asap. Should there be any complications, your applications are already in the system. Having a baby can be costly, but the government program is more than willing to help you, especially if you feel you do not have the necessary funds. Pre-mature births could eventually cost you thousands if your baby is placed in the NICU for observation.

Pregnancy help from Medicaid usually is as easy as applying for it. You will be ask to fill out financial disclosure information about your total income amount and any assets you might have. This is standard procedure and nothing to be afraid of. Every state has its own set of rules to abide by and might vary, depending on your state of residence. Getting child health insurance coverage is almost guaranteed that through one of the many child government programs you will qualify for either full coverage at no cost or at a reduced percentage that you can afford.

Every member of your family's health is important; not just the children. Failing to realize and address this could bring financial tragedy; should some debilitating disease, illness or accident happen unexpectedly. Searching and securing health insurance to cover such events will help keep your sanity in check and ease the burden of dealing with other day to day things. If you are temporarily disabled, it will help cover medical cost and the only out of pocket expenses should be your deductible.

Looking for insurance is pretty easy. You can get online quotes in a snap and then you can compare prices and plans. There are a few things that you can do to make your payment a little lower too. If you are a smoker, stopping will not only improve your health it will also give you cheaper insurance. You will also get a better price if you are at a healthy weight. Obesity causes so many health issues that they charge people more when they do weigh, what they consider, too much.

Jumat, 09 Juni 2017

Cosmetic Surgery Insurance For Everyone Who Will Take Future Cosmetic Surgeries

A lot of people are now venturing into improving their looks with the help of cosmetic surgery. In fact, some will not have them once but even several times in different parts of their body. In hearing this type of procedure, the first thing that will come into your mind is the overall price needed to be paid in the process since these procedures are very detailed. These procedures are not really covered by insurance premium so the expenses needed to be settled on this procedure should be shouldered by the clients. But there is also the concept of cosmetic surgery insurance. Just like the regular insurance coverage, they also need to be paid in monthly premiums but will not be used sooner than other regular insurance plans. For instance, a woman can take advantage of this once she wants to have a tummy tuck after giving birth or liposuction as she age.

Since it's similar with the regular insurance coverages, the price of a cosmetic surgery insurance is also different depending on the age of the person who got it. Of course, another factors just the overall health of the patient, weight, smoker or not and others like environmental factors. For instance, parents can buy insurance for their newborn child while others can get one for themselves. Looking closely, many individuals are also buying insurance coverages for their pets so it's also a better choice for clients who may have a high possibility of getting cosmetic surgeries in the future. The problem is not all individuals opt to get this procedure even if it's going to be very helpful for them in the future.

It's true that these insurance providers are making a lot of money when it comes to providing various coverages to their clients. Although many people think that insurances are just additional expenses, it's still something that will still be beneficial for people all throughout the country and the world. The good news is cosmetic surgery insurance is available for everyone and it's going to be very beneficial for people who would like to be covered for future cosmetic surgeries.



A lot of people are now venturing into improving their looks with the help of cosmetic surgery. In fact, some will not have them once but even several times in different parts of their body. In hearing this type of procedure, the first thing that will come into your mind is the overall price needed to be paid in the process since these procedures are very detailed. These procedures are not really covered by insurance premium so the expenses needed to be settled on this procedure should be shouldered by the clients. But there is also the concept of cosmetic surgery insurance. Just like the regular insurance coverage, they also need to be paid in monthly premiums but will not be used sooner than other regular insurance plans. For instance, a woman can take advantage of this once she wants to have a tummy tuck after giving birth or liposuction as she age.
Since it's similar with the regular insurance coverages, the price of a cosmetic surgery insurance is also different depending on the age of the person who got it. Of course, another factors just the overall health of the patient, weight, smoker or not and others like environmental factors. For instance, parents can buy insurance for their newborn child while others can get one for themselves. Looking closely, many individuals are also buying insurance coverages for their pets so it's also a better choice for clients who may have a high possibility of getting cosmetic surgeries in the future. The problem is not all individuals opt to get this procedure even if it's going to be very helpful for them in the future.
It's true that these insurance providers are making a lot of money when it comes to providing various coverages to their clients. Although many people think that insurances are just additional expenses, it's still something that will still be beneficial for people all throughout the country and the world. The good news is cosmetic surgery insurance is available for everyone and it's going to be very beneficial for people who would like to be covered for future cosmetic surgeries.


Article Source: http://EzineArticles.com/5919983

Senin, 05 Juni 2017

Add breaux mart to your favorites!

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Its promo is only going to persist for a brief time period. In case you haven't had any specific shopping program, you can assess its yearly promo. With this specific particular ads, it is possible to determine which product you need to obtain the next time you visit breaux Ad.

This breaux mart Revenue Advertisement This Month is a help to organize your shopping budget. You will find additional department store chain accessible near your area. But, it's wise that you adhere with breaux mart. This dept. shop is fantastic place to store. Its screen is intriguing and easy to place on. Because of this, it is possible to find something which you want easily. Moreover, the support can also be terrific. This fantastic customer support is something different which makes people keep coming from to this dept. shop. Breaux mart has over 1,100 place across the U.S. Anytime you travel, you'll discover this shop close to where you are. It is possible to have a peek at the site if you're travelling and wish to seek out breaux mart place. All you have to do is sort your own location .

Jumat, 02 Juni 2017

Finding Cheap Car Insurance For Everyone

If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.

One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.

When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.

If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.

If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.

So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119
If you live in Michigan and you need to get your car insured but cannot find the right place to do it, then this article will give you some information on how you can find cheap car insurance Michigan, in the comfort of your own home. Here are a few things to help you get started.
One of these first things you can do is check through your local phone directory and find a list of insurers that are available in your local area. Once you have the phone numbers, make a list of some of the information that you may be asked when you call up. This may include what type of car you drive, how old you car is, have you had any accidents that were your fault, if so what date and year was it? If you have this information ready and on hand then you can easily answer any questions that may be asked.
When you call up remember you are only inquiring. See if you can get a quote of how much insurance will cost if you choose this particular company. Remember you do not have to take the first offer that is given to you, let the person on the phone know that you will have to think about it and get back to them. This will give you a chance to call up other insurers and collect quotes off them. By doing this you will be able to compare the companies and the quotes provided, to see which one has the better deal. This is a great way to finding cheaper insurance for your car.
If you want to expand your search then a suggestion of using the internet would be the next step. There are many different websites that are available that can give you free quotes for your car. Some of these sites specialize in selling this type of insurance and can be quite helpful. But always remember to compare the different sites and not jump straight into the first one you see. This is important so you can find the cheapest one possible.
If you are unsure about buying it off the internet then do a little research into the background of a desired company. For example do they respond to questions quickly, how long have they been in business, do they have easy to find contact details? Take everything into consideration when buying off the internet.
So if you are looking for cheaper car insurance then why not take the time to do your research and expand your searching field. This way you will be able to find the cheapest you can at an affordable price.


Article Source: http://EzineArticles.com/4625119