ESTRA Seattle - Your Car Accident Channel

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Friday, March 20, 2015

Denied Employer ERISA Benefits For Employees

Car Accident Medical Care and Daily Living Expenses add up quickly when benefits are denied. 

Seattle (ESTRA) - Every morning when getting ready for work, most individuals do not imagine getting into a life changing car accident.  It happens.  Most people take notice when it happens to them or someone they love.  No worries, you’ve been paying insurance benefits through Self-Insured Employer Benefits Program. You are protected, right?  Maybe not.  Lets talk about the chances you are taking when depending on insurance companies to protect interest, which in this case means your financial life.  Most accident victims do not have backup plans after unexpected injury.


Did you know most fiduciary insurance programs have a single priority of interest and loyalty which is to their investors.  This is not told to policyholders typically.  In fact the bottom line for most of these corporations means discouraging insureds, actions of delays, denials, or termination of policyholder benefits in order to pay out yearly dividends, create new investments, and continued effort to thrive in today’s economy.  If this was not done at expense of policyholders, efforts would be commended. Yet, in too many cases, in my opinion, Policyholders don’t receive their fair due.

Where do you see statistics about the number of policyholders who open up claims with insurance companies?  Are most claims paid? Are policyholders experiencing low balled offers? Or not paid at all?  How many insured face surveillance, harassment, intimidation?  And with this type of inappropriate, unfair actions come financial losses due to unpaid bills, missed opportunities for a stronger, better, recovery for people injured in car accidents.  

How much time will be spent dealing with concerns other than recovery for injured?  And worst of all what happens with a disability and job loss?  Will benefits be there for you?  Will employer or insurance company draw the line on how much willing to pay out for claim?  How much do you have saved?  Will it be enough through this transition, especially if it takes years?

As you can see, the number of questions is endless, even when looking at needs of a single individual.  We know that it takes money in this world to survive.  Will this be a time where more would have been saved?  For support, will you have to hire an attorney?  And if you do, can they really protect against multi-billion dollar companies who could stall court trial for years, not to mention amount of paperwork they can continually place upon legal council, versus their multiple team of lawyers. On top of this,  attorney-client privileges no longer has privacy it once did.  Attorneys have reported phones being subject to wiring tapping.  

Therefore what is a policyholder to do?  Just thinking about how ugly this process can turn, make sick or injured people want to walk away from hassles. But isn’t this what insurance carriers really want?   They want you to give up when it gets tough.  I mean, what have you got to fight back with?  Personally, I would say a lot more than you realize.  Your vote.  Yes, the single vote carried around in back pocket.  It’s the one thing that determines destiny of this country and insured civil rights legislation.  Why do you think the goal of a few is to discourage the many from using their vote?  It’s your power. How often do you give it away?  How many times have you ignored its value?  Wall Street gets most of it every month when paying bills or when only 33% of registered votes make it to the polls.

Insured Civil Rights Legislation passed by Congress could change outcomes for the lives of millions of Americans by making insurance companies and employers to play by rules that are fair and equitable to policyholders.  There is more than enough money left to fairly pay out dividends to their investors. 

An independent body not associated with insurance carriers, lobbyist, employers, or those funded by them in any way, such as those they use to perform Independent Medical Exams, known as IME, but are anything but fair to most injured. This would end payments to policyholders for first few years of a claim if that much, or deny carriers the ability to delay or terminate claims only because its in investors best interest.  The key to remember is insurance carriers or employers are able to use their billions against individuals who do not have a single paycheck tucked away for hard times, therefore the process starts off as unfair playing field. 







ESTRA CAR ACCIDENT TIPS


ERISA Employee Benefit from Employers

Application information for benefits is used to disqualify claims. Be sure to stick with the facts only.

Just because a insurance carrier starts paying out on claim doesn't mean it will continue.  Many employees have lost their benefits after two years.  

Some employers will use surveillance in hopes of eliminating a claim. If notice people following you, make sure to document their behaviors and intimidation practices.  

There is also room for more Insured Civil Right Advocates to help improve the conditions of people injured in car accidents.  Let me know if you are interested #CarAccidentAdvocates.




 ESTRATV VIDEOS







ESTRA CAR ACCIDENT BOOKS AND CALENDARS



2015 Car Accident Weekly Planner
(Paperback) Price $10.99 USD
 


2015 Car Accident Daily Quotes
(Paperback) Price $8.99 USD
 



  Book Car Accident by ESTRA
(Paperback) Price $18.00 USD  ISBN: 978-0-578-09530-1 


TALKING ABOUT YOU WITH ESTRA RADIO SHOW

Every Monday at 7:30 p.m. PST on Blog Talk Radio
Listen to over 100 Free Audio Archives on BTR and iTunes!


ESTRA CAR ACCIDENT SURVEYS


Copyright © 2015.  All Rights Reserved. Sunlight Publishing, LLC




Tuesday, February 24, 2015

Social Security Disability Series I Section I

Receiving only Social Security Disability Income means living in poverty.

Seattle (ESTRA) - Frankly, the quality of care and service with Social Security Disability can run the gambit from excellent to poor.  As I’ve said previously, it depends on the local office visited, luck of the draw of whom speaking to when calling 800 number, and knowledge about subject at hand.  The Social Security Disability process can take up to three years for completion unless being reinstated.  If other options such as Auto Insurance Settlements, Employer Short and Long-Term Disability, or Individual Long-Term Disability Carriers do the right thing of paying out on these claims, most people involve in collisions can get through difficult parts, the shock of situation, and spend less time worrying how to survive.  Employer coverage can be converted to Cobra which is an option to pay own medical insurance through employer rather than loose it at time when needed most.  Or, preferably selecting Obama Care which is a less costly choice with more options will help when disability looks probably and job loss inevitable. 

Social Security Disability from my review was not designed as a “full support” benefit for those becoming disabled.  It was created to help supplement lost income for people who unexpectedly become disabled and aid to live at a decent standard of living.

Unfortunately, some private companies see this as an opportunity to take advantage of a Federal Program.  When private companies are able to reduce the amount of a Policyholder benefits if approved for Social Security Disability (SSDI), Insurance Carrier's profit at expense of those who are expecting full assistance.  Most sick or injured are not in a financial position to absorb unfair reductions, since paycheck to paycheck living in conjunction with decades of wage stagnation, makes financial ends meeting a struggle for most people.

Are these actions taken in order to pay corporate investors more?  The number of people who open Auto Insurance Claims whether paid, denied, or terminated should be available for public view from both public and private insurance companies.  What is the average length of time for those who do eventually receive nothing, a portion, or for full claim settlements or benefits?  And more importantly, what measurement of pain and suffering imposed on those waiting to receive claim payments.  Information should be tracked on what poor and middle class were paid, was a substandard payment accepted to eliminate harassment or intimidation?  How many Policyholders just gave up due to lack of resources to fight these large corporations, or too sick or injured to follow through?  These are important concerns of Insured Civil Rights Legislation Congress needs to address on at Federal Level.

Disabled lives would be changed if Insured Civil Rights Legislation was taken up by Congress in order to put protections in place for those who are most vulnerable to bad faith practices by companies who would use them in order to avoid paying out legitimate claims. Far too many sick, injured, or disabled people depend on Social Security Disability as their sole of source income.  Until Auto Insurance and Employers do the right thing by poor and middle class policyholders who do not have resources to fight for rightly requested benefits, this classes will continue to look to the only public insurance agency where they have at least a fighting chance of receiving benefits which they have paid into for this purpose. 

Know Social Security Disability Rights and where to find answers the next time asked a question, request is made, or information is needed.

The discussion throughout Series I will be about the major content in Title II which is where to look for Disability Insurance and Title XVI for Disability Benefits for people who do not qualify under rules of Title II, but meet Disabled standards and meet low-income requirements.  

The United States Treasury manages the Social Security Trust Fund with includes the Title II Insurance Program Officially known as Federal Old Age and Survivors Insurance Trust Fund and Federal Disability Insurance Trust Fund.  This is a long way of saying, Social Security for retirement age, and Social Security Disability.

Of key importance is recognizing that Title II Program are an Insurance Fund, meaning the participants paid into these funds with their own money in case needed due to a disability or at retirement. 

Therefore the next time someone brings up getting something for nothing, ask them do they believe this when paying their money for premiums to any insurance company?  The reasons for insurance are same for most policyholders whether for auto, health, disability, life, or retirement.  The purpose of these policies is a safety net against unexpected circumstances. Unfortunately, Wall Street and Politicians use words such as "fraud" or "abuse" to scare many needy and deserving applicants away, so their investors can continue to exploit these resources. 
  
From my perspective Voter Registration Fraud and Disability Fraud are tactics used against people in our society who do not have the resources to defend themselves, protect benefits, or settlements they are due.  If these people were as concerned with fraud in society from my perspective, they would take on Wall Street.  Predatory harassment and intimidation of those sick, injured, or with disabilities should not be singled out in hope of allowing Social Security Funds for Wall Street Investors to use as they please.  These resources are set up to protect 99% in society with few protections today.  Congress should support Insured Civil Rights Legislation to reduce or eliminate "Bad Faith" Insurance behavior from both public and private carriers.

Paying into Social Security for 99% of workers may be one of the most important things for your future.  Did you know Baby Boomers not only paid into Social Security for themselves but also the generation before them?  Few generations have given so much to this Insurance Fund.  Has these Funds become a hot topic because of the recession brought on by Wall Street?  Once ignore and considered non-important, now standing front and center, is the concern really about going bankrupt?  Or is it tactics to change the way Social Security uses these resources?  

Is this a similar tactic as done to U.S. Postal Service?  No other public or private entity has to put as much money away for their Pension Plans.  Would politicans ever ask Wall Street to put away enormous amount of money which make their bottom lines show loses purposely?  Personally, I think not.

Critical thinking when evaluating or reviewing SSDI information helps make better decisions. Knowing how you may be impacted, understanding the rules, or ablity to discerns the pros and cons of choices gives directional focus.  In other words, questions must be asked beyond the first level.  Be willing to dig a little deeper to ascertain what is behind an action, rule, or question.

The United States Treasury which is responsible for administering Social Security Funds Title II Old Age Survivor and Disability Insurance and Title XVI Supplemental Disability which supports low-income applicants which typically do not qualify for Title II, however there are a few exceptions. Under Internal Revenue Code authorization, the IRS is responsible for depositing taxes collected i.e. premiums into the Social Security Funds.  Notice those deductions from checks throughout work history for Social Security?  This is how transfer takes place.  This also provides a tracking mechanism often used to verify wages, taxes due, number of months worked, and total income in order to assess whether qualifications are met.  A review in terms of how long worked and how much put into Social Security for eligibility.  

Why is it important to know how eligibility is determined?  In my opinion, not all local Social Security offices are created equal.  And, let’s not forget personal interactions and conflicts which arise when dealing with personalities, cultural differences, and this list is truly endless as to the complications with human interactions.  

As if this was not enough, what if private companies trying to get out of paying their fair share?  What if they attempt to eliminate a Social Security Disability Approval in order to save themselves having to payout Short or Long-Term Disability?  Is denial in best interest of public and private insurance companies?  How many poor and middle class applicants have resources to take these giants on?  

What can these insurance companies do? One of the first things is denying claims for Policyholders.  If are able to deny claims for individuals, then most people will go under within six month, frankly.  Living paycheck to check means, mortgages go belly up, family needs end of being sacrifice in order to stay indoors.  By the end of six months, these insurance companies know sick, injured, or disabled people have been totally annihilated.  This may be a dog eat dog world in the insurance industry whether public or private, but is this what Policyholders are told?  Are they told, Social Security Disability will be a safety net in cause of injury? That Auto Insurance will come in as a knight in shining armor when involved in a collision?  Along with medical insurance providing the healthcare needed when physical and mental injuries occur?  How many people have been dropped from their insurance carrier in their most important time of need?  How many Auto Insurance Companies or Employers have failed their policyholders and taken them to court which extended out for 10 years?  This isn’t what policyholders signed up for at all. 

Can all these same things happen with Social Security Disability? Yes they can.  The surveillance done by any of these public or private insurance companies harass and intimidate sick, injured, or disabled to keep money promised for a rainy day for their customers.  All under the premise of fraud or anything else which instills fear into people who trusted and relied on their help.  Frankly, it is time to restructure the Insurance Industry.  Restoring the balance between needs of industry and Insured Civil Rights nationally.  What state has enough resources to keep these multi-billion dollar companies in check?  Or have too few Lobbyist to stop bad behavior tactics against Policyholders?  

Have you gotten letter from IRS to support the efforts of public or private insurance companies to deny a claim?  Unfortunately, it’s the 1% not the 99% where income is a factor.  Public or private companies in my opinion initiate IRS investigations toward these 99% in an effort to eliminate their own claims open by Policyholders.  Are you getting a sense that more goes into processing a claim?

Who is involved in process?  Many different corporations play a role in the lives of those seeking only what they have been promised.  The Organization Chart for Social Security Disability includes:  The U.S. Treasury/Internal Revenue Service, The Commissioner of Social Security who makes decisions about escalated cases or leaves it at local Social Security Office.  Supposedly, its not the same person who made the initial decision. Commissioner has the right not to share information regarding your case, even if it ends up in court.  I wonder is this for their benefit or the injured person?  

In summary, it includes The Secretary of Treasury, Social Security Commissioner, Board of Trustees, Secretary of Labor, Secretary of Health and Human Services.
Think all the basis are covered with this group?  And of course, private corporations are tied into each of these government agencies.  How are sick, injured, or disabled tied in?  Only through a need for assistance.  Wherein does this power lie?  Would Wall Street have to wait three years for help?  I suspect they would not.  They don’t wait more than 30 days on most occasions.  

Frankly, the greater distance government programs have from Wall Street, in my opinion, the better.  Why?  Main Street tends to face more difficulties whenever Wall Street has something to gain, like more to invest. Congress is also in this mix.  In fact once or twice a year they receive updates on Social Security Funds activities.  Congress could initiate Insured Civil Rights Legislation to protect sick, injured, or disabled for those on Social Security Disability, but also modification to ERISA which allow private corporations not to pay their fair share to employees who paid into their insurance plans.   

Wouldn’t you think those in the above Organization Chart are able to recognize the need for protections?  They know most disabled only receive income from them and live in poverty.  Wouldn’t you think it would be in their best interest to help their insured move from poverty to a decent standard of living?  This is especially after paying premiums to employers, auto or long-disability insurance companies?  How long will they remain silent about plight of their poor and middle class people receiving SSDI?  

In my opinion, when they work on behalf of Wall Street the equation is skewed in favor of corporations.  When Law Enforcement and State Attorney Generals work with public or private insurance companies, surveillance is added against sick, injured, or disabled who are already at a disadvantage with limited protections. The approval process is extensive for SSDI approval and most people would rather return to their pre-injury life rather than dealing with daily issues and agencies.

Will Social Security allow these companies to hide behind them?  Will they jump on the band wagon against the 99% now that Congress is interested in privatizing Social Security for Wall Street?  Will they disregard legitimate claims in order to reduce number of Baby Boomers who paid twice as much as any other generation?  One could ask where has money gone?  Babyboomers made enough for them and the generation before them to pay insurance.  So what happened to the money? And what can you do to stand up for yourself if finding yourself on the wrong side of this equation?  

There are many checks and balances in the process of managing both Social Security Funds. Pay attention to Congress’ willingness for Wall Street to gain access to these funds. Be watchful if Congress decides protections for policyholders are needed in both public or private insurance plans.

Perhaps new online Social Security Administration Website will create a standard which may help sync actions and behaviors of local offices.  Now individuals can go online and find out the facts for themselves.  This will also eliminate some confusions of the past by reducing answers which were not necessarily the same. 

Legal counsel does not always operate in best interest of a person applying for SSDI, which further complicates the process.  Attorney selections also require investigation on your part in order to protect your interest.

Frankly, the perceptions of disabled needs changing.  This is not the life circumstances dreamed of, no one likes pain and suffering, living in poverty, what kind of life is this for anyone?  This is an excellent time to bring out issues that have laid beneath the surface for generations throughout the United States. Respect and fair treatment for disabled would be a great start with paying out public and private insurance claims a close second.


Again, this is an Insurance Fund which is paid into by you on every paycheck. The framework must be viewed not only from standard SSDI procedures, but outside influences that may impact claim. Be aware people may not have your interest at heart.  Educating yourself about the rules of applying for Social Security Disability under Title II and Title XVI may be best defense.  Do not neglect the impact on Employer Benefits and Auto Insurance Companies.


ESTRA CAR ACCIDENT TIPS


Social Security Disability Process

Start application process as soon as possible. Decisions can take up to three years. 

Don't get discourage if denied initially. Seems like this is common behavior for most insurance companies including SSDI. 

Most people suffer through these years without income.  Know that others have made it and so will you. 

There is also room for more Insured Civil Right Advocates to help improve the conditions of people injured in car accidents.  Let me know if you are interested #CarAccidentAdvocates.




 ESTRATV VIDEOS











ESTRA CAR ACCIDENT BOOKS AND CALENDARS



2015 Car Accident Weekly Planner
(Paperback) Price $10.99 USD
 


2015 Car Accident Daily Quotes
(Paperback) Price $8.99 USD
 



  Book Car Accident by ESTRA
(Paperback) Price $18.00 USD  ISBN: 978-0-578-09530-1 


TALKING ABOUT YOU WITH ESTRA RADIO SHOW

Every Monday at 7:30 p.m. PST on Blog Talk Radio
Listen to over 100 Free Audio Archives on BTR and iTunes!


ESTRA CAR ACCIDENT SURVEYS


Copyright © 2015.  All Rights Reserved. Sunlight Publishing, LLC




Tuesday, February 3, 2015

Car Accident Personal Injury and Poverty

Disable average monthly income of $1,200/month, which less than typical rent cost.


 by ESTRA


Seattle (ESTRA) - How safe from poverty are Auto Insurance Policyholders?  Will Employer Short-Term and Long-Term Disability from Employer provide financial protection?  What about the premiums you’ve paid into Social Security Disability?  If becoming disabled after a car accident, you may end up like most injured, living in poverty.  How much of a safety net is there with Insurance Companies, Employers who are self-insured, meaning they control and own Employee ERISA Insurance Policies, and Social Security Disability. 
  
People living in poverty also know the disappointment of not being able to provide help to others who are important in their life.  Many of these burdens would have been uplifted if fair settlements from Auto Insurance, or regular benefits from Short or Long-Term Disability from individual or group policies provided by Employer, or could be assured Social Security Disability payment could not be stopped without advance notice. 

Therefore the definition of Poverty by ESTRA is:  “Living without resources promised by a corporation and paid for with Insurance Premiums, but not paid to Policyholders after filing a claim, leaving insured without necessary income for survival in way expected and assumed when signing contracts with these organizations, which leave Insured without money promised which would have allowed daily needs to be met.”

The losses experience down this journey can be significant even without the loss of income.  The physical and emotional toll of recovery can be enormous, especially at the beginning of this process.  The mind and body are not necessarily in sync initially, meaning the mind may be processing the way it did before a collision, and the body's is currently focusing on the damage working on immediate repairs. This lag time between injury and shock of trauma eventually is fully grasped by person starting this journey. 

This unsettled time is also when many individuals can be taken advantage of because of temporary loss of bearings. In the beginning, its may be difficult to make decision in injured's best interest. In first few weeks be very careful in making major decisions until able to understand full repercussions of choices.  This is one of the main reasons I continue to say, "be your best advocate".  The choices made during this period will impact future dealings. 

There is no shame if  falling into poverty.  In life one can do the rights things and still end up in wrong place.  The key to remember is that change is constant and can improve upon physically, emotionally, and financially current state. It really is about the whole person.  The injured is the most important person in this equation.  When all is said and done, corporations have time and money to defend their stance against those with the least in society.  In my opinion, in most cases, corporate concerns are more with investors than policyholders.  Until Insured Civil Rights Legislation gets through Congress, the hurt and suffering of Policyholders must be a shared burden by bringing awareness to the plight of those living in poverty due to unpaid claims.  

The question which must be asked and addressed:  Why is insurance industry (which by the way has close ties with banking), with vast power be regulated at state levels, when most of their policies are regulated on a federal level?  In my opinion, state budgets do not have enough power to change bad faith behaviors by billion dollar corporations. 

Poverty will not end for people involved in collision as long as there are unpaid claims.  This behavior will continue until legislation is passed to protect the rights of Policyholders.  These powerful corporations have a hold on policyholder contracts which provide enough loopholes few insured have the resources to fight for their benefits.  As the country moves closer towards those who have money and resources, fairness moves further away from individuals with few options. Inequality in legal systems, economics, housing, medical care, and yes, this list goes on and on, means poverty will continue to grow for those who's voices often go unheard. Society will continue catering to a resourceful few and there will be less and less opportunities for those outside boundaries of Wall Street. Can the majority of people live this way? 



ESTRA CAR ACCIDENT TIPS


Being Poor After A Car Accident

Do not become discourage.  Look for opportunities to make life better.

Give yourself time to adjust to new situation.  Learn from others in same situation in local community.

Volunteer in community.  It will help get your mind off troubles and teach you new things.  Many have opportunities to help a hour or two per week which can improve confidence.

There is also room for more Insured Civil Right Advocates to help improve the conditions of people injured in car accidents.  Let me know if you are interested #CarAccidentAdvocates.




 ESTRATV VIDEOS











ESTRA CAR ACCIDENT BOOKS AND CALENDARS



2015 Car Accident Weekly Planner
(Paperback) Price $10.99 USD
 


2015 Car Accident Daily Quotes
(Paperback) Price $8.99 USD
 



 
TALKING ABOUT YOU WITH ESTRA RADIO SHOW

Every Monday at 7:30 p.m. PST on Blog Talk Radio
Listen to over 100 Free Audio Archives on BTR and iTunes!


ESTRA CAR ACCIDENT SURVEYS


Copyright © 2015.  All Rights Reserved. Sunlight Publishing, LLC




Monday, January 19, 2015

Winter Car Collisions



 by ESTRA


Seattle (ESTRA) - Although we’ve hardly been into this winter season, there have been multiple car crashes with rain, snow, icy roads, and floods.  There is nothing more surprising than to be driving in decent weather which immediately turns bad.  Visibility can be less than to the end of car’s front end, rain down pours can bring inches of water which make driving on roads nearly impossible, frozen roads can mean slips and slides resulting in driving off streets.  When running into bad weather, the possibilities of disastrous situations becomes more probable.  The NHTSA estimates over 1.3 million weather related accidents happen per year.  Most people are use to daily routines, and expectations are set to this standard.  However, every day is not always the same.  Especially when experiencing unfamiliar weather patterns.  

Reactions are anywhere from panic to claim, from freezing to over-reacting.  Information is invaluable in helping to make better decision when in difficult winter weather conditions.  What comes to mind when in trouble? What you have learned will help resolve the problems.  Awareness about what to do in different bad weather conditions just might change the outcome of a difficult situation.

Preparing vehicle is one of the first steps in winter preparation.  Many people experience car maintenance issues at the time of weather changes, especially when coming from hot to cold weather.  Therefore, be sure to complete any needed repairs before a change in climate.  Financially for some, this may not be possible, so do your best with available resources, especially fluid levels, windshield wiper blades, belts, and chains underneath the car hood.  When able, be sure to get repairs done.  A car well maintained, means less surprises and longer vehicle life, typically.  Simple maintenance can be done by most people with review of videos or written instructions.  This may save money and help to become familiar with your car.  So evaluate if this option will work for you.  

Different geographical areas require unique items to carry in car.  Yet some common items are flashlights, electrical tapes, candles, matches, blankets, kitty litter, water, food, jumper cables.  The condition of each vehicle vary, this may also impact how much is required in winter.  It is also a good idea to keep gas tank half full in case of an emergency.  A warm car can be beneficial in surviving problems which arrive.  In fact, it may not be your problem, but someone else.  Have you spend hours waiting on freeway due to a traffic collision?  Be informed and ready for what may come your way is important in overcoming obstacles.  

Therefore, create an emergency safety kit for you, family, and friends who may be passengers in your car.  This uniquely designed kit by you will include items that may not be included in standard emergency kits but necessary in your particular circumstances. 

Seattle is known from it’s rainy weather.  Fortunately, this has taught many people to drive safely on wet pavement and rain down pours.  Precipitation ranges from light to heavy.  There are still accidents during rainy weather, along with mudslides, and flooding.  NHTSA reports that wet pavement nationally causes an average of 960,000 car accidents a year along with another 600,000 while raining.  Checking tires prior to bad weather can help with traction along with checking tire air pressure.  Do you know what the tire air pressure should be in tires?  Do you know how to check it with a tire gauge?  Do you know how to put air in tires?  Or is there a place where you regularly get tires and fluid checks?  These may be two of the most important things to do for vehicle and for your protection.  Adjusting speed and distance may help avoid a collision which could take years to recover.  Don’t be one of those people who say, "if only, I would have slowed down, or done something different".

Those are situations you could have changed.  Yet there are also many circumstances that are not foreseen, and there was nothing you could have done, so don’t beat up yourself for current circumstances.  This is why you have an Auto Insurance and or Employer ERISA Policies.  Hopefully, they will support you through difficulties and payments to these corporations have not been in vain.  Keeping a copy of Car Accident by ESTRA in vehicles provides a checklist in the back of the book, along with additional information and support is great when reviewed before a crisis, but also helpful in the middle of one.  Be sure to pick up a copy and store in your car. 

There is nothing more beautiful than to look out window while nestle close to a warm fire and see glistening snow. When viewing it from being out in a car, poor visibility, low temperatures, and deep inches of snow, perspective drastically change.  

Let’s hope you clothing are dressed appropriately to weather this storm.  According to the NHTSA, around 200,000 accidents occur in snow-related collisions each year.  Snow can turn to ice below the surface causing more driving problems in this weather.  When in this environment, taking ones time and allowing lots of room in front and in back of your vehicle, can make a difference between coming to a stop safely and colliding with the cars in front or back of you.  In snow storms, many times multiple car collisions occur.  This is a reason to allow ample space between you and anything which surrounds this space including vehicles, in case of sliding, someone else getting stuck, and needing to get around them, or them around you.  For many, its difficult to overcome a feeling of being out of control when a vehicle slips and slides in the snow.  Learning self-correcting methods helps build confidence in these stressful situations and how to be responsive in bringing car back to a safe position.  If living in a place where all four season are present yearly, be sure to take this opportunity and learn how to drive in all these weather conditions.  In fact, remember to prepare your teenage drivers.

Black ice is one of the scariest things one can encounter.  It hits unexpectantly, providing little time to react, and still there is no guarantee where you are going to end up.  A second can seem like it last an hour.  Although most communities have government entities which go out and put down gravel and other items to help keep roads safe, they cannot protect every street.  One is never so thankful when this situation ends, and especially when it stops safely.  Make sure to take a moment to gather wits if you find yourself in shock from the experience.  Instincts kick in, many react in ways that are sometimes unpredictable.  NHTSA estimates 150,000 icy pavement accidents per year.  Cold, freezing temperatures mean low speeds even when roads look safe.  Allow extra time to reach destination.  The key is to get there in one piece.

Drivers get used to routines when going to work, home, or regular places.  When construction is on the way to destination, sometimes one does not realize changes, or perhaps construction signs or placement is not clear enough to understand.  Unfortunately, constructions workers are put at risk and sometimes struck by drivers.  Therefore, use extra caution when coming upon road work.  Remember, although you may drive these roads daily, it does not mean they will always remain the same.  Use good judgment to protect you and those workers.

Car accidents also create traffic delays for hours depending on seriousness and how much space is available for cars to pass.  Again use care because other drivers may not always make same decisions when choosing which path to follow.
 
There are many opportunities for unexpected things to come up while facing winter conditions.  Adding fog to other bad weather conditions can make the situation worse.  Fog alone, according to the NHTSA averages 31,000 car collisions a year.  The important key to remember is that bad weather driving condition requires patience, awareness, and lower speeds.  It’s all about living another day, not only for you but other drivers.  Taking care of each other while on the road makes the difference of a good day staying that way rather than turning into a bad one.  Keep lives moving forward without the life stops due to collision.  It’s not worth it.  The time and energy spent can be better used.

What does all this mean? From my perspective, it means many people take for granted getting to their destination every day via vehicles.  And this is a good thing, because for the most part, it speaks to reliability of our transportation systems, and for the most part, we are attentive drivers. 

It’s those time when distractions or unexpected events come into full view.  Anything each of us can do to prevent a collision, even in the worst weather, means someone gets to live another day, has no injury, or doesn’t have to deal with insurance company for a collision claim. 

Consider when getting behind the wheel, your capabilities, and how you can be safe and keep others this way too.

But if in a collision, recognize there are in this category 1.3 million wrecks estimated annually. This situation is common for many. Stay strong, let me walk with you through your journey. Read my book, Car Accident by ESTRA. Get the Car Accident Weekly Planner for documentation, and let’s move forward together.  Make it through whatever you may face. The key is don’t give up and become overwhelm by harassment and intimidation by Insurance Companies.

Stay warm this winter.



ESTRA CAR ACCIDENT TIPS


At Scene of a Winter Car Accident

Stay calm through situations. Sounds obvious? Yet, far from easy.

Evaluate general level of injury of self and any passengers to tell Emergency Responders.

If O.K. and able to get out car, check level of injury to people in other car(s).
If everyone is O.K., use Checklist in book Car Accident by ESTRA. It will help check for things you might have forgotten.  Also follow any insurance protocol required at accident scene accident.

Call for appropriate help if needed.


Use you cell phone to take pictures at the scene.  These may be very important at a later date.



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Meet ESTRA

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ESTRA welcomes you! Thanks for taking time to visit. Share your auto accident concerns through comments or experiences. My interest is to advocate and inform people about car collisions. Presenting ways of protections against common problems. The goal is a better outcomes for you. Follow ESTRA on Blogger. I’m listening to what you have to say about your Car Accident journey, Don't travel this path alone. Read, watch, or listen with me ESTRA at any time. I would really enjoy hearing from you. My Best, ESTRA