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Can A Person Be Injured In A Low Speed Collission - Even If There Is No Damage To The Vehicles?

Absolutely YES!!

Do Not be Misled or Intimidated As Insurers Would Want. 

CNN RESEARCH FINDS: Theme of [insurance company strategy] is; 

  1. Deny
  2. Delay
  3. Defend  

"Auto insurers play hardball in minor-crash claims":    State Farm, Allstate, employ consultant's strategy, which CNN research finds the Theme of Strategy is; "deny, delay, defend".

Former employee says companies convince juries that claims are fraudulent. 

ATLANTA, Georgia (CNN) -- If you are injured in a minor car crash, chances are good that you will be in the fight of your life to get the insurance company to pay all the medical costs you incur -- even if the accident was no fault of your own.

That's what CNN discovered in an 18-month investigation into minor-impact soft-tissue injury crashes around the country. Those are accidents in which there is little damage to the vehicle and the injuries to people are not easy to see by the naked eye or conventional medical tools like X-rays.

 Find this article at:

http://www.cnn.com/2007/US/02/09/insurance.hardball/index.html

Don't be a victim of both an auto accident AND the insurance companies. The insurance companies have changed the way they value claims. Changes occur so rapidly that even your doctor or lawyer may not have all the latest information to help you in your accident claim. We've created questions for you to ask both your doctor and lawyer to determine if they are trained in the practice and policies of the insuarnce companies. We also direct them to national symposiums where thye can get all the latest up to date information to help you. It takes committment and dedication and these highly trained medical and legal professionals are prepared to assist you. You can find knowledgeable doctors and lawyers in the directory on this site. These doctors and lawyers are known to be trained on the Collosus System. You can ask them a series of questions to interview them regards their knowledge. See 17 questions to ask in the section entitled 3 KEY ELEMENTS.

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Insurance Company Advantages;

3 Key Elements to know about insurance settlements of claims and how to combat them.

Insurance Advantage #1:                 There are 35 Different Claims Evaluation Software Types Being Used To Evaluate Claims.

  • Your Combat Advantage:           Use Decision Points.

Insurance Advantage #2:                There are 45 Treatment Acceptance & Payment Software Types Being Used To Evaluate Treatment and doctors fees.

  • Your Combat Advantage:            Use Value Drivers

Insurance Advantage #3:            They use Claims, Practice & Procedure Software to evaluate claims.

  • Your Combat Advantage:         Use 9 Point Medical Validating Letter And 19 Liability Drivers 

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The law of physics called “The Magnification of Accelerated Forces,” along with testing utilizing various models including the infamous 'crash dummy', primates and human volunteers reveils even when the G force of acceleration in a car is as little as 2G’s, the force of acceleration is magnified and transferred to the head and neck of the vehicle occupants where it more than doubles to 5G’s. (Pilots pass out at 6G’s of force and cerebral contusion may occur in 50% of the incidents of 5G’s or more). This 2G force occurs in just an 8-mile-per-hour impact and may or may not cause any damage to the vehicle. You can be injured from low-impact forces without damage to the car and may not feel any symptoms.

How Do I Know If I Have Been Injured?
First, by being the recipient of a trauma to the neck—as in a car accident. This injury usually results in the neck being forcably thrust into extension (backwards) then flexion (forward), with either downward compression or upward distraction of the head and neck. This is a dynamic trauma which causes damage. The old soft tissue injury theory has been replaced by the understanding that the dynamic trauma causes 'connective tissue' damage with resultant ligament scarring, the end result being muscle atrophy.

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In Case Of Accident
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4ACC Pain in neck/across shoulder/arm/jaw AccidentHelp 4ACC Tightness / Limitation of motion
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4ACC Discomfort aggravated by motion   4ACC Duress, loss of enjoyment, joy & activities of living daily life
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4ACC Headache / Dizziness
Varying degrees of anxiety
  4ACC Difficulty concentrating or sleeping
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If after an accident or trauma, you notice any of the above symptoms, you should see a doctor for an evaluation. Research from a study of 5,000 cases indicates that 25% of motor-vehicle accident cases develop chronic disability of some type. Review the section on the 11 Questions To Ask A Physician Before You Select One. Also review the section on the 6 Questions To Ask An Attorney before you hire one.
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4 COSTLY MISCONCEPTIONS

Misconception #1: Thinking the term "Whiplash" idescribes your injury accurately.

  • WRONG: Using the words or diagnosis of “Whiplash” or “Soft Tissue Damage” will actually lower the settlement value.

Misconception #2:        Minor (lesser)Vehicle property damage or repair costs equates to a lesser bodily injury.

  • WRONG: This has absolutely nothing to do with the severity of your injuries.

Misconception #3:        The number of diagnoses should fit onto the limited space on the insurance forms.

  • WRONG: A supplemental form should be used to represent all, often up to double digit diagnoses. Failure to include all the diagnoses can cost up to 5 times the settlement value.   

Misconception #4:      When the patient is released from care, they are cured.

  • WRONG: The manner of representing the medical condition of the patient at time of discharge and the effect the injuries will have in the future, greatly affects the settlement value.
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What Is Whiplash
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Be Aware Of Changes

The insurance company determination procedures for arriving at settlement vlaues has changed. The reality is the creation of a software system with a set of factors that they don't readily reveal to most doctors and lawyers, designed to lower settlement values. The more you know and use this data, the higher your settlement value will be. Read More
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