Additional Insurance Claim Opportunities

There are quite a few insurance claim possibilities which will increase the financial amount awarded you in the settlement of your personal injury insurance claim. Some of them rarely see the light of day but some do. The six I’ve listed below are crucial for you to be aware of as you prepare to go to war with Adjuster Henry Hard-Nose regarding the value of your loss. They are:

(1) When it comes to placing a financial value on the “Emotional Reaction” of an injury one enters into an area where most individuals, even experienced claims adjuster’s and Legal people, are at a loss.

Often ignored “Characteristic Symptoms” can be: Confusion, Anxiety, Depression and Denial. (“Denial”, that is, regarding the seriousness of your injury and the constant pain you feel. This usually comes to pass when one refuses to complain anything is seriously wrong, convincing themselves it will work itself out).

If any of the emotional reactions (which are a direct result of “Characteristic Symptoms“) becomes a reality it would be wise for you to see a Doctor. Maybe you won’t immediately identify this as something you need to have checked out but the person you climb into bed with probably will. When she tells you you‘re not functioning (between your ears) all that well, listen up! If that’s what you’re told you should swallow hard and obtain an expert’s opinion. You may consider yourself a muscular "Power To Be Reckoned With" but you’re not Superman so, talk to a specialist, explain what’s happening, and let it all hang out.

Once you’ve been discharged, get that specialist’s written Medical Report and hand it to Hard-Nose, along with the medical bills for your treatment. Is that legit? The answer is absolutely, yes! Can he refuse to accept them and suggest they add no value to your claim? The answer is absolutely, no!

(2) Emotional distress is legitimate "Pain and Suffering" and you should be compensated for it. For example, problems that may develop over the effects of an accident within the area of your work or business, or perhaps interfere with your sex life! Whatever it is that’s causing you problems you should see a specialist. Keep going back to see him for as long as it takes to return to normal. At the end of his treatment, when he's finally discharged you, ask for and obtain his written report. Present that to Adjuster Henry Hard-Nose along with the specialist’s bill for their services.

This is a legitimate expense and it positively gives your personal injury more value !

(3) If your injuries caused you to miss some special training you had arranged to take advantage of, you'll probably, at some point, want to make that time up. The difficulty you may experience in making up that missed time (or perhaps never again being able to obtain it) has the potential to increase the value of your settlement. To achieve this you must obtain written proof and present it to Adjuster Hard-Nose.

Also to be taken into consideration is a vacation you may have been unable to take, or some recreational event’s in which you could not participate in and/or a missed special event, like a wedding or a reunion, etc. All of these, properly documented, add value to your claim because they are specific examples of the inconvenience and discomfort you've endured as a direct result of your injury.

(4) In the evaluation of an individuals "Pain and Suffering", age is always a factor because the older you are the longer the periods of Total or Partial Disability will be. This will affect the course of treatment plus the length of time of the "pain killers" you’ve been ordered to take. For example: Over age 50 disability is about 10% to 15% longer, over age 60 disability is about 20% to 30% longer, over 70 disability can be 35% to 45% longer and over 75 disability can often be 50% and longer.

(5) Also pre-existing conditions are factor’s that must be considered: For example: Arthritis, Sugar Diabetes, Pervious Injuries and/or Previous Operations that have left you with on-going problems, etc.

Whatever that pre-existing situation may be you should look to your attending physician for advice. Don't avoid discussing this with him. If any doubt exists you should insist your doctor refer you to a specialist for consultation. If your physician is legit he'll agree. If he doesn't than kiss that goodie-two-shoes "goodbye" and go dig up a specialist on your own. It's your body and there's only one to a customer!

(6) ONE THING YOU SHOULD NEVER FORGET IS THAT THE VISIBLE DAMAGES TO YOUR MOTOR VEHICLE CAN VERY OFTEN PROFOUNDLY AFFECT THE AMOUNT OF MONEY YOU'RE EVENTUALLY PAID.

If your vehicle was badly smashed, that goes a long way proving that your injuries were severe and therefore painful. You must snap photographs of your motor vehicle. Shoot a couple rolls of colored and also black and white (black and white because in some instances colored photographs cannot be entered as evidence in a court of law).Take them from different angles and various distances. Like for example, 30 feet away, then 15, then right up close.

Make two sets. One for you and one for Hard-Nose. Blow them up into glossies and present them to him. Both the size of your repair bill and those photographs will go a long way towards proving two important points: First, that you know what you're doing and second, that the injuries you received from that god-awful impact (and the long period of pain, suffering and discomfort you‘ve had to deal with) - - if and when viewed by a judge or jury - - are proof positive of what your injury caused your body to endure.

Making The Figures Add Up

I got asked a question today about the sub prime motor and thought I would share it here.
The question was along the lines of "How can the finance company know who is going to pay and who isnt going to pay"

Well this is quite interesting because, we don't. What we do know, using our existing data is that if we lend to 100 customers aproximately 20 will not pay. So this raises an interesting question about pricing and rate for risk etc.

In the old days there would be a model for offering a "rate for risk" plan. Oh yes, the concept sounds good - get the people who are higher risk to pay more, however, it is totally flawed. This is because, you only make money if people pay you back (end of). If the higher risk customers dont pay, it makes no difference what "rate for risk" price you made. The other thing is that the customers more likely to pay will be less likely to take the higher rate, therefore making the overall "rate for risk" top heavy with desperate customers who have no intention to pay.

So, then how does it work in practice? Well, in essence its very straight forward. Remember the 80 will pay and the 20 will not?, well the 80 who pay, have to provide enough profit to make up the shortfall from the 20 that dont pay, hence the rates being higher in sub prime lending. Sure you will get some return on repossessions of vehicles of those 20 non payers, however, the cost of collecting on those accounts, sale costs and legal action etc. will swallow much of this up.

Therefore I would ask that for those righteous people who believe that these customers are getting "ripped off" think about it a little more. Heres an analogy, if your wanting to grow 100 tomato plants, you dont plant 100 seeds - you know that some wont make it, so you compensate for that.

i hope this makes things a little more easier to understand

Car finance and bad credit

Car finance has become one of the basic necessities of the contemporary world. All the daily chores, be it buying grocery to catching up with important business dealings, all become simpler with the aid of a car. The problem arises when you don’t have enough finance. The situation becomes worse if you have a bad credit history. You can be tagged to bad credit due to various reasons such as:

Bankruptcy
Slow credit or No credit
No proof of income
Self-employed status
Individual Voluntary Agreements or IVA’s
County Court Judgments or CCJ’s
Arrears
Defaults

Bad credit can make your financial life a drag. With the growing standard of living, one can barely fulfil basic necessities with his regular income. In the modern world, basic necessities not only include food, home but also a car. This is when bad credit car finance can come to your rescue. Remember, it would be attached with a higher rate of interest, due to a bad credit history.


It can be quite a challenging task to locate suitable car finance with bad credit. Yet with a growing number of bad credit loan providers, your difficult task has eased to a great extent. It is recommended that you should undertake some research before you choose upon bad credit car finance to satiate your needs. You can navigate through the various loan quotes that can help you to pick the right car finance to customize with your personal state of affairs. Loan calculator can aid to evaluate monthly instalments, which can mould to your situation. Loan expertise too, which is offered by many loan providers can enrich your knowledge and put you at the helm of dealings.


Bad credit can no longer deny you to finance your dream car. You can go ahead with car financing either a used or a new car without bothering about a bad credit. With bad credit car finance you can avail benefits such as:

Reinstate your credit standing
Improve chances of better loan opportunities in future
Don’t let bad credit purge your desire to purchase a car. Avail yourself of bad credit car finance and make your dreams a reality.

How to get a better deal from your garage

A car owner’s guide
to servicing and repairs...
Servicing your car will make it last longer. It also makes it safer for you, your passengers and the environment. Here are some tips to help you avoid dodgy garages, get effective work done and achieve good value for a service or a repair of your car. If you have car finance bought from a dealer, the last thing you want is to be paying huge bills as well as your monthly payments for your motor.

START NOW
• Don’t wait until you need a service or repair
• Spend time comparing garages beforehand
• Get your car serviced regularly
• Ask around about good garages

A RELIABLE GARAGE WILL CERTAINLY DO
SOME, OR ALL, OF THE FOLLOWING
• Display a menu of fixed cost works
• Tell you how much they will charge to diagnose a fault if it includes dismantling and putting back together
• Be a member of a trade association (such as the Motor Vehicle Repairers Association)
• Have trained staff and display certificates
• Have an auto complaints procedure

if your looking for car finance check out http://www.infinitycarfinance.co.uk/

Buying a new car?

All new cars come with some sort of warranty covering parts failure. In almost all cases your car warranty stays valid no matter where you get your car serviced but terms and conditions attached to warranties can vary.
When you’re looking for a new car it’s worth comparing warranties as well. Make sure that the
warranty gives you what you want and doesn’t include conditions that will cost you money later.
Types of warranty
All new cars sold in the UK include a basic warranty, called the manufacturer’s warranty.
These usually last for one, two or three years. Most manufacturers with a one or two year basic
warranty also offer at no extra charge a dealer based extended warranty. This can extend the
total period of cover to three years, or longer. It is also possible to buy other types of extended
warranty once you have bought your car. But beware – the manufacturer’s warranty, the
dealer-based warranty and other warranties you can buy can be quite different. The dealer-based warranty and warranties you can buy can have more limitations, like mileage.
Servicing
Where you get your car serviced is an important consideration. Following action by the OFT in
2004, all major makes of new car in the UK are sold without servicing ties as part of their
warranties. This means that the manufacturer’s warranty and any extension offered free, such as the dealer based extended warranty are covered by the Society of Motor Manufacturers and
Traders Limited (SMMT) OFT Approved code of practice (see www.smmt.co.uk). The code from the SMMT, who represent all sectors of the automotive industry in the UK, says that you are free to get your car serviced anywhere in the UK and still benefit from the manufacturer’s new car warranty, as long as the service is carried out to the car manufacturer’s recommendations, even if this service is carried out by an independent service or repair outlet. However, any additional warranty which you have bought, may contain restrictions on where your car can be serviced and for bought warranties this restriction has to be obeyed (as well as any others) for the warranty to be valid. The code also has procedures for dealing with complaints concerning your new car. Aftersales costs, such as services, can represent
around 40 per cent of the whole life cost of the car and many independent garages can offer the
same quality of service as franchised dealers, who tend to be more expensive than
independent garages. It is important to shop around for the best deal and only use reputable
garages that will carry out servicing work in line with the car manufacturer’s service schedules.
Your legal rights
A warranty adds to your legal rights, it is not a substitute for them. In law if the car develops
a fault in the first six months, it will usually be assumed that the fault was there when you
bought it. In these circumstances you can ask the dealer to repair the car free of charge or
replace it.
Before you buy ask the salesperson
these questions
• Is the warranty covered by the SMMT code which permits servicing by independent
garages?
• How much will the servicing costs be? (Compare them to other garages in your area)
• How much leeway is there if I cannot get the car serviced in accordance with the approved
servicing schedule?
• How long does the manufacturer’s warranty last?
• What does it cover?
• When does the dealer’s warranty start and what does it cover?
• Is every fault covered by the manufacturer’s/dealer’s warranty?
• What isn’t covered by the manufacturer’s /dealer’s warranty?
• Is the warranty restricted by the amount of mileage I do?
• If I have an accident but I get the car repaired, is the warranty affected?

When you’re thinking of buying a new car, perhaps using car finance UK for your motor it’s worth comparing warranties as well as cars –
it can save you a lot of time and money later particularly on the car loan if you have one.
Examples of restrictive conditions in warranties
Most manufacturers allow you to service your car wherever you choose so long as certain
standards are met. But some warranties place restrictions on you. Watch out for the following
restrictive conditions:
‘Only an authorised (make of car) repairer services and maintains your vehicle in
accordance with the manufacturer’s recommendations.’
‘This warranty is dependent upon the manufacturer’s recommended servicing being
carried out by an authorised (make of car) dealership at the time or distance intervals
specified in the (make of car) Warranty and Maintenance Record booklet, subject to the
vehicle being driven less than 60,000 miles since first registration.’
‘The vehicle must be regularly serviced by an Authorised (make of car) Dealer in accordance
with the (make of car) service schedules using (make of car) approved parts during the 3 year
warranty period.’
A good place to look for a facility for this would be at http://carfinanceuk.me.uk/