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Three years ago it was reported there
were “An estimated” six million, three hundred and fifteen thousand motor vehicle
accident’s in the United States.
Two years ago an average
of 120 people died each day in motor vehicle crashes in the United
States.
BELOW ARE
FOUR VERY INTERESTING 2003 ACCIDENT “RESULTS”
#1. Motor vehicle
accidents were the top third causes of Safety & Health Incidents
in the United States.
#2. 86% of
the (above) “Reported Accidents” involved only one driver. (I state “reported”
because - - many were not)!
#3. 1/3 of them
took place when drivers lost control of the vehicle and leaving the road. Another
1/3 were cause by the vehicle being struck from behind.
#4.
HERE’S A NEW ONE! IT’S A “BIGGIE”! AND (AS OF RIGHT NOW IN 2005) IT’S JUST BEGINNING:
Hand held
(or even hands-free) cell phones have begun to bring significant “PROBLEMS”
to all drivers’ performances. It’s not yet exactly known how many
of these “problems” caused an accident.
HOWEVER: There’s no doubt
that operating a cell phone is far too dangerous to do while operating a motor
vehicle!
THAT IS ABSOLUTELY NOT TRUE! “Why” you ask? The answer
is, “Because passengers can react to what is going on around a driver where
there is danger, and such conversations are absolutely no equivalent to a hands-free
phone conversation”.
#5. In
2000, motor vehicle accidents medical costs exceeded 2 Billion dollars that
accounted for about 20% of medical costs attributed to all injuries.
As of April 7th, 2004, it was determined that throughout the world, more
than one million people die each year because of transportation-related
accident."
In America today
over 5 people die every single day, because of a motor vehicle
crash!
#6.
Between 1992 and 2001, 13,337 people died from work-related motor vehicle accidents.
The highest number of fatal-work related crashes took place in the transportation
communications and public utilities industry = 4.64 deaths per 100,000 employees.
#7.
In a 2003 study it was discovered that more people die in motor vehicle
crashes than any other cause of injury!
THE
FOLLOWING ARE 8 “FACTS” YOU MUST CHECK OUT WITH YOUR INSURANCE AGENT
You
ask, “Why should I check these out via my Insurance Agent”?
The
answer to that one is as follows, “Because the company that covers you for your
Motor Vehicle Insurance will very rarely tell you”!
#1.
Should it be decided that my motor vehicle is a "Total Loss" where and/or how
does the insurance company you currently have me with determine what the true
value of my smashed up motor vehicle is? (Perhaps they feel it would be less
expensive if they called it a "Total Loss" rather than to get down to the nittty-gritty
of repairing a motor vehicle their insured obviously, for any number of good
reasons, wants to have fixed and keep)!
#2. “Am I entitled to payment for sales tax and registration
fees for a new car”? (As of 2005 there are many states that do. So don’t
let this slip out of sight because you may live in one that does).
#3.
“In some states people are entitled to what is described as Diminished
Value. Is that true of ours”?
#4.
Ask your agent, “What does it mean to ‘Stack’ your coverage? Are you doing that“?
If he isn’t ask your agent, “ If not how much money could I save or lose if
you did it for me”?
#5.
If you make a claim (for a small loss) ask him, “If I make this
claim would that increase my rates”? (Perhaps you shouldn’t)!
#6. “Will my credit history dramatically affect my insurance premium”? (If that’s
so what suggestions does your agent have to get around this problem)?
#7.
“Will paying in installments increase my overall bill”? (If that’s true, because
of the way he now has it set up, does he know how to get around this problem)?
#8. “Other than my own Home Owners Policy will the personal property in my car
be covered by my auto policy”?
If
he comes back at you with a flippant answer like, “Oh sure, don’t worry about
that”, Ask him to show you exactly where that’s stated in your
auto insurance policy.
By: Dan
Baldyga Email: dbpaw@comcast.net.
Copyright (c) 2005 By Daniel G. Baldyga. All Rights Reserved. Reprinted with
permission. 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.autoaccidentcaims.com.
This book reveals “How To” successfully handle your motor vehicle accident
claim so you won’t be taking advantage of. It 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!
DISCLAIMER:
The only purpose of this article, “SEVERAL VARIOUS UP-TO-DATE 2005 MOTOR
VEHICLE ACCIDENT FACTS”, is to help people understand the motor vehicle
accident claim process. Neither Dan Baldyga, Mary Martin, FreeAdvice.com nor
ExpertPages.com make any guarantee of any kind whatsoever; NOR do they
purport to engage in rendering any legal service; NOR to substitute for
a lawyer, an insurance adjuster, claims adjuster, or the like. Wherever such
help is desired it is THE INDIVIDUAL'S RESPONSIBILITY to obtain such
services.
