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Friday, October 17, 2014

October: Car Accident Awareness Month


Car Accident Awareness Month in October recognizes Tort Reform, Bad Faith Insurer Practices, Insured inability to fight Insurance Carriers, makes Insured Civil Rights necessary for Car Accident Victims to receive fair settlements.  

Seattle (ESTRA) – More car accidents happen in October than any other month.  Few are ready for what they are about to face when involved in car collision.  Most are unaware that Auto Insurance Companies do not always act on Insured behalf.   Even celebrities are not out of the reach of Self-Insured Corporations, such as Wal-Mart, or Auto Insurance Companies , such as USAA.  Any large corporation has the assets and legal team to make the life of a car accident victim, who makes less than $60,000/year difficult through income loss, benefit denials, harassment, or surveillance.  

As with anything in life, knowledge and planning changes outcome.  October Car Accident Awareness Month goal is to share the most important things to remember if involved in a car collision. 

10 Car Accident Awareness Tips:
The clock starts ticking at time of a car wreck.  
From this moment, being your best advocate is of major importance.  

1.  Acknowledge the intial shock of an accident.  It's common for most people wanting to talk about this experience because of the trauma.  Yet, this is also a time where many injured are taken advantage of by those searching for ways to eliminate insurance claims.

2.  Quality of Medical Care is important upon initial injury.  Being checked out by a physcian who specializes in your medical issues can make a difference in length of recovery, type of journey endured, cost of care, and understanding of condition.  Therefore, evaluate the impact of the care you are receiving.

3.  Daily Planning of appointments, personal care, budgeting, and daily living concerns can alleviate stress. The more that can be done to reduce time constraints while injured, the easier it will be to accomplish daily goals.

4.  Facing adversity due financial loss, disability, relationship concerns after a car accident may be lessoned by understanding Auto Insurance Process and/or Self-Insured Employer Benefit Package works.  Staying calm and using your head will help to lean toward solutions that will be in your best interest. 

5.  Most Insured don't know until being involved in a car wreck whether they will encounter "good" or "bad" Auto Insurance practices.  This is also true about your Employer.  Both of these corporation will begin researching information about you immediately to determine approach to be taken with your benefit request.  Therefore, attempt to ascertain immediately whether they are seeking to be fair in their assessment.  In this way, you can make a decision how you wish to proceed with interactions with them.

6.  Many use Sick Leave Benefits from Employers initially and then if necesary move to Short-Term and Long-Term Disability Benefits.  This continues to be an information gathering period for both Employers, Life Insurance, and Auto Insurance Companies.  In fact, over 90% of Private Investigators are used by these corporations.

7.  Disabilities can be very scary intially.  First, it may take time to physcially and emotionally adjust to these new circumstances.  Spend time getting as much information on your situation as possible.  Be sure to look for the positive outcomes as the next aspired goals.  When something is lost, typically something is gained, therefore, stay hopeful in the face the struggles you will surely face.  You can make it to the next personal life level.  Never give up or in.

8.  Unfortunately, Surveillance is often a technique used to harass and intimidate people who file for benefits.  Most injured are not use to being treating so poorly and it takes time to learn legal rights, to get support, or stand up on your own against it.  Most insurance companies or employers deny benefits to injured in hope of creating such desperation, that giving only a portion of what is deserved is better than going under.  Make sure to learn about surveillance tactics and what can be done to protect yourself, preferrably before it happens to you.

9.  Social Security Disability is also available to those who qualify.  The process review is extensive and takes a great deal of time.  If you think disability will be long-term, make sure to apply as soon as possible.  Realize their rules do change over time, and it is up to you to stay informed.  When learning the rules, makes sure to go online, and read them for yourself.  I have personally run into situations where what you are told is not protocol. If you know your rights, being subject to misinformation is more difficult.

10.  Rebuilding your life brings many choices.  First, if you choose to file lawsuits, realize these corporations have the power and influence to take it out 5 - 10 years.  Also, if seriously injured, this will also take a significant amount of time to recover.  The most important person in this equation is you.  Yes, it may take time to get to a place you are comfortable, and your new way of living may not have entered your mind before.  Yet, you do have a place in this world.  Use this October,  Car Accident Awareness Month to become educated about available options before needing them.  Be able to make a difference in your life, when you need to, after being involved in a car wreck.

Have something to share this October?  Write a comment today.

October Car Accident Awareness Month
Enjoy Fall Season Colors

Car Accident Athem
I Can Get Through It.
I Support Insured Civil Rights.
I Am Up For The Battle.
I Will Use What I’ve Learn.
I Will Appreciate My Gifts.
I Will Take Care of Me. 
Car Accidents Are Surprising.
Good Seasons Will Come Again!

October Car Accident Awareness Month Special - $5.00 USD 

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Copyright © 2014.  All Rights Reserved. Sunlight Publishing, LLC 


Thursday, October 2, 2014

Personal Injury Lawsuits Against Auto Insurance Companies

Seattle (ESTRA) - A person injured in a car accident who files a lawsuit against an Auto Insurance Company is like bringing a Popsicle to a gun fight.  By the time of a court trial, you are standing there with a wooden stick while Auto Insurance Company holds an automatic gun aimed at your forehead, so to speak.  Their ability to pay $500+ per hour for attorneys and a legal team along with local attorneys in your town, surveillance on your activities (which results in nothing), researchers performing background checks from the day you were born, and adding medical staffs who must be related to politicians by the way they perform Independent Medical Exams (IME), which are anything but independent from my experience.  Why they call our systems, “justice for all” when in fact, it demonstrates “justice for a few” is anybody's guess. If you think this was a mouth full, keep reading.

Walking into a den of these corporations is an experience that is truly eye opening from my perspective.  It’s not for faint of heart.  Being raked over the coals is enough to traumatized healthy people.  For a person dealing with physical injuries and additional losses, it is understandable why so many people just accept approximately 10% of the value of the claim and settle before trial.  But is this right?  And why do they have so much power to harassed and intimidate working class people who typically are clueless to possible ruthlessness exposed to when only trying to get what they have been promised?  The promise of money as a safety net to catch you after tragedy of a car accident.  This however does not necessarily come to past.


In current years, some Auto Insurance Companies have decided it’s more profitable for their investors to pay as little as possible out on insured claims.  You see this by insurer first offers are an insult in most cases.  In my opinion, this is a barameter to check the insured desperation levelMany insurance carriers believe in holding out until close to end of three year statue of limitation, which is typically the amount of time given to file a lawsuit against them.  By this time most working class people are broke, bills are past due, and overwhelm with problems.  Yes, for insurer, this is the prime way to breakdown people who were already hurting.  Most of these companies use a computerized model to estimate these low ball settlement values.  For example, if you have a claim that is worth $10,000, do not be surprised by a low ball offer is $1,000.  And why would someone take such an offer?  Perhaps they are about to be thrown out of their residence or perhaps there is something desperately needed for survival.  If out of desperation they take this offer, who profits by 90%?  Yes, the insurance company.  Not only are they able to keep premiums, but they are also able to keep the money that should have gone to the injured person.
  
How could some insurance adjusters be so callous?  They may be receiving a bonus as a percentage of what they save the company.  But is this fair?  Is this the right thing to do?  How will the injured person survive?  Life struggles due to injury will continue. 

Somewhere in the late 70 – 80’s too many companies decided the only interest they needed to look out for is their own.  This has been demonstrated in how Corporate America has treated working class people, in my opinion.

Several auto insurance companies have followed suite.  And this is why in our example they could pay out $1,000 on a claim valued at $10,000 without consideration of the pain and suffering they are unleashing against the very people who helped to build their wealth.  How tragic and selfish, in my opinion. 

How can you identify these “bad faith” companies?  One way is to contact local state insurance commissioner and see which auto insurance companies are refusing to pay claims.  You may have to look under several of their names since they typically are broken up by subsidiaries, but it will be easy to recognize the behavior, associations, and can be easily added up, with or without a calculator.

Currently, we have many members of congress that are more interest in being re-elected and receiving money from lobbyist, than doing the right things for constituents.
The suffering experience to-date by working citizens due to bad polices from this Congress will go down in U.S. History in my opinion.  Until they decide to do their job, we as a country from my perspective are in trouble.  Make sure to register to vote this November.  Will it make a difference?  Absolutely.  Especially if you are tired of lobbyist running the country instead of citizens.

Back to the subject at hand.  What will you do when faced with a low ball offer?  Typically its not just the first, but also the second, and third.  Yes insurers know you are in a pickle.  Most people are just one paycheck away from disaster and for a couple years now they have played hardball with your claim, meaning insurance carrier has been unwilling to settle.  Don’t you think it’s odd a company that has a vested interest in keeping your money has the right to decide if they give it to you?  Seem like the injured are at a disadvantage.  Why isn’t there a third party which makes this decision within a year’s timeframe by reviewing claims that’s impartial and has no relationship with insurer or insured?  This could easily be done by placing the cost as part of the premium so there is no unfair advantage by insurance companies.  In my opinion, this decision needs to be taken out of the hands of insurance companies and into hands of a third party who could be more objective in their decision making. 

In this way, light could be placed upon “bad faith” behaviors  and corrections made before injured are driven down to the edges of poverty.  It would be better for injured to receive settlement amounts that are fair and equitable.
 
Should you expect an insurance company to counter your settlement demand with a fair offer?  From my experience, some do and some do not.  When auto insurance companies can low ball their insured just because our legislative bodies both at state and federal levels let them, it’s a problem.  People are hurting due to the decisions made in a bias, hurtful way. 
In my opinion, if you find that an auto insurance company offers you 1% of your claim value as an initial offer, recognize they do not respect you as a customer, and may have personal integrity issues as a corporation.  If they are not willing to off a fair settlement, recognize this is a business decision.  One that will eventually turn away customers. 

Whether you decide to accept or decline these low ball offers, remember how this company made you feel.  Do you feel they took advantage of you?  Then you know your premium dollars are going to the wrong company.  Again, you are the most important person in this equation, therefore do what is in your best interest. 

Personally, I believe working class people need Insured Civil Rights.  Otherwise, there will not be a level playing field for those injured.  Most injured are out gunned, and a Popsicle will not stop the bullets, so to speak.  There needs to be systems in place that protects the injured, so by the end of the process they are not worse off due to the power and influence auto insurance companies have to delay and deny their claims. 

To the auto insurance companies that are treating their injured fairly, your dollars are going into the right direction.  Car accidents are hard enough without having to challenge a multi-billion dollar corporations with a $12,000 to $50,000 per year job, and little savings.  Keeping your word to your insured shows higher levels of integrity.  

If you have experience a claim with an Auto Insurance Company, share your experience on twitter hastage #ESTRAsRadioShow.


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Visit ESTRATV on Youtube user estrasblog for more video viewings 


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Copyright © 2014.  All Rights Reserved. Sunlight Publishing, LLC 


Saturday, September 27, 2014

How To Get Rid Of Car Accident Worries

Seattle (ESTRA) - Many babies come into this world with a cry.  This should have been a hint for the adventures to come.  As we move through this world, there will be troubles. Troubles in my opinion are a mechanism that triggers creativity, inventions, and revolutions, ending in problem resolutions, both on an individual or global scale.  Pressures at appropriate levels bring satisfaction, personal growth, and the knowledge of what can be accomplished. 
 
However, when there are many problems to address in the time allotted, with little knowledge, skill, or money, the possibility of becoming overwhelmed quickly becomes probable.  Organizational skills, acts of balancing and adjusting priorities, thinking through options,  and keeping a cool and clam head,  factor in to being able to move through problems and finding answers.

When an issues arises, if it can be immediately resolved, by all means find the discipline to address the problem.  If not feeling well, recognize health is considered a top priority, and set aside a small amount of time to address concern until completed.  Realize, there are no concerns to address if health fails, so in my opinion, this should always be a top priority .  Nothing is more important than you. 

Will there be gains and losses in life?  Always.  Will the gains and losses be given out equally?  Not that I have seen, although anything is possible.  The key to understand is that we have a lot in life.  Certain things may be destine to come our way.  Sometimes we do have to deal with the hand dealt, so to speak.  This does not mean just to accept it.  Every hand dealt has options.  It is up to us to evaluate the hand dealt and play it to the best of our abilities.  And this is why I often speak that knowledge can change outcomes, because in my experience it does.  Options also reduce worries because you have choices.  The more choices you have, the better able to choose a path, more to your liking, which usually means less stress.

Therefore, when viewing problems decide to use a lens from where there are options in your best interest.  Many hurt and suffering individuals are face with options that increase their problems rather than reduce or eliminate them.  Daily bombardments of commercials that say try this or that, and life will be better and resolve the problem.  Yet, in my opinion, many of these so call answers in the long run make matters worse.  When offered money as a solution to the problem at high interest rates, consider this only kicks the problem down the road.  And at the end of this road, may be a worst outcome.  Sometimes it is best to face the music sooner than later.  Evaluate true losses and what the sacrifice will be because looking a gift horse in the mouth, so to speak may actually be devil in the details, and this is anything but a gift. 

Recognize problems are just a part of life.  It is how we choose to deal with them and outcome that directs the paths life goes.  Therefore learn as much as possible about car accident processes and those whom you will be dealing with for in my opinion, the problems some of these corporations can create are due to what is in their best of interest, not yours.

If you have experience a claim with an Auto Insurance Company, share your experience on twitter hastage #ESTRAsRadioShow.



ESTRATV - Your Car Accident Television Channel


Visit ESTRATV on Youtube user estrasblog for more video viewings 


Talking About You with ESTRA Radio Show
Every Saturday at 1:30 p.m. PST on Blog Talk Radio
Listen to over 100 Free Audio Archives on BTR and iTunes


Featured Video



Items include Car Accident Book by ESTRA
2014 Car Accident Weekly Calendar
2014 Calendar & Book Set

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Copyright © 2014.  All Rights Reserved. Sunlight Publishing, LLC 

Saturday, September 20, 2014

Determination That Never Quits



Seattle (ESTRA) - Today in the United States, many citizens face more obstacles than in the last two generations.  Poverty levels affect more people than ever.  Current generations wonder whether Social Security Retirement will be there for them, and that’s if they can find employment which pays a livable wage throughout their lifetime.  Furthermore, stress levels has increased tremendously in my opinion due to greed of a few whose income far exceed middle class income averages ten times over.  This personal hunger creates wage stagnation and insurance claims denials, from my perspective. It is nice to see restaurant workers saying, enough, along with those injured in car accidents not receiving their benefits only because auto insurance companies or employers have the option to say no, adds additional insult to injury. The suffering of those on bottom is overdue for a well deserved lift.  Don’t have a heavy heart.  Generations of Americans have gone through the fire.  Many citizens have the determination that never quits.

When facing surveillance video tape harassment.
A determined mind can accomplished much as history has shown time and time again.  Refusing to let go of desired results is important when face with adversity or discouragement.  Learning how to work through circumstances with the right perspective saves time and energy.  Read the history of Franklin Roosevelt which can a test to this fact.  Many ordinary people also have overcome obstacles. This begins with a level of determination which never quits.  Yes, creating the development of inner courage and strength to go through the fire and getting to other side is possible.  Successfully navigating the trouble of a car accident, can be an uphill climb.  Yet knowledge can be an escalator which provides comfort and relief along the way.  Making it through such turmoil sets new life standards and knowledge for moving through life’s struggles.  The realization of knowing that problems can be overcome is real.

Injury doesn't mean stop living, participate when able.
No one gets through life without their share of the good with the bad experiences.  Whatever mix of both come into life, realize there are always opportunities to shape your world.  For example, what can you do with tragedies that take place in life?  Reflect upon them from a perspective of learning.  How have they changed life?  Now, can you relate to people who have lived through similar predicaments?  In the future can this situation be avoided?  Can others be helped from acquired knowledge?  Have you taken something good away from this? If you can answer positively to most of these questions, the pain has not been in vain. 


Parking helps to get out more.  Be sure to use it.

Life questions such as this help to discover answers.  Accomplishments renew the human spirit and provide a knowledge that you have inner determination that never quits.   From my perspective, it is about learning, giving, and receiving.  Life journey possesses these three processes for most of us.  What we choose to do with it or how we will respond is up to us. 

Perhaps placing both good and bad in a category of just life places them in a better perspective.  The shaping of each circumstance test what we hold inside and out, therefore developing our content of character in ways not necessarily imagined. 

Find activities which add value to your life.
The shock of a car accident brings a range of emotions depending on the level of damage and injury.  Whatever place a collision has brought you, recognize it is only a single point in your journey.  Stay determined and keep moving forward, making the decision to be a better person in the future. 

Again, valuable lessons of hardships holds knowledge for moving though struggles rather than throwing in the towel and becoming stuck. Much of this has to do with levels of integrity and dignity when going through life. This is demonstrated by standing up to adversity, how you feel about yourself, and the outcome of hardships. 

Enjoy the company you keep and exhale.
This is why it is important to grow through hardships.  Therefore use past victories to help move along chosen path. Be willing to survive new threats thrown your way, and recognize not everyone will play fair.  Yet, take the high road because there will be more growth and it helps to stay above the fray. You are still the most important person in accident equation, and so is your life outcome.

Learn License Plates if being harassed.
Remember, the behaviors of others is their responsibilities.  You want to be able to look in the mirror and say you’ve done everything possible. Be proud of your efforts. Developing a determination that never quits is a gift.  Hold on to it as hurdles come.  You may be surprise where determination will take you and the hope it will bring to others.


  
If you have experience a claim with your employer, share your experience on Twitter hastage #ESTRAsRadioShow.


ESTRATV - Your Car Accident Television Channel


Visit ESTRATV on Youtube user estrasblog for more video viewings 


Talking About You with ESTRA Radio Show
Every Saturday at 1:30 p.m. PST on Blog Talk Radio
Listen to over 100 Free Audio Archives on BTR and iTunes


Featured Video



Items include Car Accident Book by ESTRA
2014 Car Accident Weekly Calendar
2014 Calendar & Book Set

Coming Soon!
  2015 Car Accident Weekly Calendar & 2015 Calendar Quotes









3 Minutes Of Your Time Brings A Wealth of Information. Take Survey Now!






Copyright © 2014.  All Rights Reserved. Sunlight Publishing, LLC 

About Me

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A lot can happen in the first year of a Car Accident. Typically this includes dealing with Auto Insurance Companies, Employers, Long-Term Disability Companies, Social Security, along with injury concerns. This can add up to a long twelve months, or feel like it in a less amount of time. It has been said that laughter is good for the heart and soul. Rejuvenating a weary mind and body after dealing with Car Accident issues and concerns brings a renewed strength. Recognize if going through this process, ESTRA understands and will be here to provide information, encouragement, and advocacy to provide wisdom, knowledge, and support through the process.