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~Car Accident Insurance Claim~ Regarding Impacts And Injurie
As of January 2003 it was determined that in the good ole‘ US of A, there
were approximately 12.3 million motor vehicle accidents involving over 21
million vehicles last year. This amounts to a little over one crash per
second. Let’s take a look at four of the most common of these gazillion
impacts and the typical injuries they cause.
#1. LOW SPEED IMPACTS - - ESPECIALLY REAR-ENDERS: These are crashes that
are considered to be any collision that takes place at speeds under 10
MPH. While there is absolutely no justification to call it a “Low Speed”
impact that’s what the insurance industry loves to identify them as. Why
? Because a moniker like that is supposed to indicate that the,
“so-called impact”, you were subjected to could not possibly have caused
an injury.
It’s true that when such a crash does take place there’s often not a lot
of damage done to the motor vehicle and yet, in most cases, people
involved in these types of accidents more often than not suffer injuries
- - neck injuries especially!
Although the insurance industry would like to have those making a claim
think differently an injury can and absolutely does occur when a low
impact collision takes place. The most common is identified as the
“Whiplash”. This takes place when the occupants don’t have the slightest
idea about the impending collision so they can’t brace themselves by
forcing their back and/or neck against the seat or headrest. Because of
this their body gets whipped and snapped about something fierce.
Automobile bumpers are built to withstand up to a 5 MPH crash without
damage. This is not done to insure the safety of the occupant but rather
to protect and limit the damage to the bumpers, keeping the cost of
repair to a minimum. Many times vehicle to vehicle impacts can sustain an
impact of 8 to 9 MPH before there’s recognizable damage to the motor
vehicle. However, when the bumper doesn’t crumble and absorb the force of
the impact, more of that crash is felt by the occupants. IMMEDIATE
INJURIES: The individual that’s been crashed into by another (even at
only 5 MPH) is thrown forward with a severe jerking motion - - causing
necks to snap and backs to twist. Because of this many “Soft Tissue”
styled injuries take place, including multiple body bruises, plus chest
and rib injuries. In most cases adjusters attempt to deny the possibility
of injuries in a low speed impact but research substantiates just the
opposite! Sure, the motor vehicle will show little damage but the
velocity and accompanying force have to be transferred somewhere, and
that’s to those sitting in that vehicle. Cars are built to withstand such
minor impacts - - the human body is not!
#2. FRONTAL COLLISIONS: In most frontal impacts the occupant’s can
generally brace themselves because they’re usually aware of the collision
they’re about to be subjected to. In Frontal Collisions the speed and
weight of the vehicle play a role in the injuries of the occupant. (The
more the vehicle crumbles at impact the less severe the injuries to the
occupants. Many times airbags will deploy). In frontal impact collisions
the speed and size of the vehicle determines the injuries that can take
place. (And - - getting back to rear-end collisions for just a moment - -
the striking vehicle not only undergoes a collapse, but transfers
momentum to the car that’s been struck by pushing it forward. The airbag
may or may not explode. This depends upon the rigidity of the vehicle
that’s been struck).IMMEDIATE INJURIES: Head and neck, back, spine, rib
and clavicle, arms and legs, concussions, soft tissue, internal,
dislocations, abrasions, cuts and bruises.48 to 72 hours later: Headache,
blurred vision, dizziness and loss of taste, smell or hearing. Also,
difficulty breathing, blood in urine or stool, swelling, loss of motion
and visualized bruising take place.
#3. SIDE IMPACT: Many times the occupants head will hit the side window
and bounce off of it. There are no air bags nor bumpers, engines, etc.,
to help protect ones body or absorb the force of the impact. IMMEDIATE
INJURIES: Head and neck, arms & legs, soft tissue, dislocations, scrapes
and bruises. 48 to 72 hours later: Pain, headache, blurred vision,
dizziness, loss of taste, smell or hearing, numbness or tingling (and
basically the same as those listed above) so, at the risk of being
repetitious but because it’s so important, I must say once again: It’s of
major importance that the individual exposed to impact - - no matter how
slight it may seem to have been - - should immediately be examined by a
medical professional.
#4. ROLL-OVER ACCIDENTS: The typical roll-over accident is very serious.
The most common factors in single vehicle accidents are approaching a
curve at too high a speed, leaving the pavement or highway, or
over-correcting the steering wheel - - particularly in vehicles with a
short wheel base. The severity of injuries to the occupants generally
depends on the beginning velocity of speed, the number of rolls,
condition of the vehicle, and what your motor vehicle rolled through,
over and into! Damage to the vehicle is generally extensive. It has been
determined that 60% of the economic costs from roll-overs resulted from
occupant ejection, and that the initial roll-over speed was between 40 to
60 MPH. (A recent study reported that restrained occupants showed a
higher proportion of neck injuries than the unrestrained).
IMMEDIATE INJURIES: The whole nine yards - all of those as detailed above.
*******************
The bottom line (to all 4 of the above) is that in all motor vehicle
accidents - - no matter how minor the damage it’s of the greatest
importance that each and every individual immediately visit a medical
professional for a physical examination and/or consultation. So, should
you find yourself at the scene of an accident and somebody asks if you
think they should see a doctor, your answer should always be, "ABSOLUTELY
" ! Stare straight into their eyeballs and tell them, “It’s your body.
There’s only one to a customer. You should do whatever you can to take
care of it and protect it”.
DISCLAIMER: This article ~ CAR ACCIDENT INSURANCE CLAIM ~ REGARDING
IMPACTS AND INJURIES is intended for background information only. Its
purpose is to help people understand the motor vehicle accident claim
process. Neither Dan Baldyga, Thomas Brown nor ARTICLE CITY make any
guarantee of any kind whatsoever NOR purports to engage in rendering any
professional or legal service, substitute for a lawyer, an insurance
adjuster, or claims consultant, or the like. where such professional help
is desired IT IS THE INDIVIDUAL’ RESPONSIBILITY TO OBTAIN IT.
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: autoaccidentclaims . This book reveals “How To”
successfully handle your motor vehicle accident claim, so you won’t be
taken advantage of. It also goes into detail regarding the revolutionary
BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE
explains how to determine the value of the “Pain and Suffering” you
endured - - because of your personal injury.
Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved
Dan Baldyga - Author
19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733 0127 FAX: (413) 731 8358
Mail to: "mailto:dbpaw@attbi "
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle
Your Loss)
Found on the internet at: " autoaccidentclaims "
For over 30 years Dan Baldyga was a claims adjuster, supervisor, manager
and also a trial assistant. He is now retried and spends his time
attempting to assist those involved in motor vehicle accident claims so
they will not be taken advantage of.
dbpaw@attbi
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