Car Detailing Manuals — Tips and Tricks that Save!

If your idea of car detailing is washing and waxing your car, you might be in for a bit of a shock. While you can save a lot of money making this a do-it-yourself (DIY) project, this is definitely a skill which has been developed over the years.


If you do not want to pay the detail shops to perform this work for you, buying a DIY manual on car detailing is probably the next best step. A manual will provide time-saving shortcuts, as well as tips to give you the professional edge you need.

Repair Minor Body Damage

We all hate the annoying dings and scratches we get from everyday driving. Luckily, a repair book can save you a lot of money. There are many how-to tips which will enable you to repair simple dents (such as hail damage), saving hundreds or even thousands of dollars.

Waxing and Buffing Techniques

Think you know how to wax a car? Well, after reading a manual you might find out you didn’t know as much as you thought! First, you need to start with the right type of polish or wax for your vehicle. Understanding the chemical and material makeup which provides the best shine and long-term protection will help you determine what type of wax to buy. Most do-it-yourself guides will even list a comparison of the most popular brands (so make sure you purchase a recent version).

Interior Preservation

The best way to make sure you don’t have to restore your interior is by preserving it. Easy how-to instructions explain the best way to care for leather, synthetic leather, vinyl, and cloth seats. You will also learn about wear patterns, and how to prevent them. Remember, prevention is the best medicine!

Interior Restoration

Although it is possible to completely restore the interior of a vehicle by having new upholstery installed, this is not always the most practical—or cheapest—method. Car detailing manuals demonstrate common methods to repair small tears in cloth, leather, and vinyl. They will also show you how to bring life back into your worn fabric, which is valuable since it is not always easy to find an exact match on vintage vehicles.

Engine Detailing

If you have ever purchased a car, surely one of the first things you did was open the hood to look at the engine – even if you didn’t have a clue what you were looking for! Whether you are looking to care for your existing car, baby your classic, or spruce up a bit before you sell, engine detailing is one of the most important steps in car detailing.

It is extremely important to follow the instructions in the do-it-yourself manuals. Some cleaning chemicals can cause accelerated deterioration of hoses and electrical components. Certain cleansers are not meant for automotive use, and their residue can remain flammable for several hours. Following a manual will prevent you from making the basic mistakes, show you the best techniques and tools to use (saving you scrapes on your hands as well as time), and can even help you create your own cleaning products which are just as effective as the one sold in your automotive store.

Wheel and Tire Maintenance

Keeping your tires looking good is a great way to keep your car looking good as new. While there are many great products out there to make your tires look great, you should know which ones clean, and which ones leave a residue all over the rubber which will haunt you once the shine wears off. When it come to wheels, it is important to keep them clean and protected. Small rocks and other debris on the road will put small pits in your wheels, making them more susceptible to rust and corrosion. A good how-to book shows you how to clean and protect your wheels so they look brand new for years.

It Just Makes Sense

Owning a how-to manual or book just makes sense. For a few dollars, you will have a wealth of knowledge and a handy reference guide to look at while you are detailing your car. You will pick up time-saving techniques and money-saving tricks that will improve the overall quality and safety of your DIY projects.

It just may turn out that car detailing will be a perfect new hobby for you!

About the Author

The Motor Bookstore sells repair and service manuals for cars, trucks, motorcycles, boats, farm tractors, and much more.

Car Detailing Manuals — Tips and Tricks that Save!

If your idea of car detailing is washing and waxing your car, you might be in for a bit of a shock. While you can save a lot of money making this a do-it-yourself (DIY) project, this is definitely a skill which has been developed over the years.


If you do not want to pay the detail shops to perform this work for you, buying a DIY manual on car detailing is probably the next best step. A manual will provide time-saving shortcuts, as well as tips to give you the professional edge you need.

Repair Minor Body Damage

We all hate the annoying dings and scratches we get from everyday driving. Luckily, a repair book can save you a lot of money. There are many how-to tips which will enable you to repair simple dents (such as hail damage), saving hundreds or even thousands of dollars.

Waxing and Buffing Techniques

Think you know how to wax a car? Well, after reading a manual you might find out you didn’t know as much as you thought! First, you need to start with the right type of polish or wax for your vehicle. Understanding the chemical and material makeup which provides the best shine and long-term protection will help you determine what type of wax to buy. Most do-it-yourself guides will even list a comparison of the most popular brands (so make sure you purchase a recent version).

Interior Preservation

The best way to make sure you don’t have to restore your interior is by preserving it. Easy how-to instructions explain the best way to care for leather, synthetic leather, vinyl, and cloth seats. You will also learn about wear patterns, and how to prevent them. Remember, prevention is the best medicine!

Interior Restoration

Although it is possible to completely restore the interior of a vehicle by having new upholstery installed, this is not always the most practical—or cheapest—method. Car detailing manuals demonstrate common methods to repair small tears in cloth, leather, and vinyl. They will also show you how to bring life back into your worn fabric, which is valuable since it is not always easy to find an exact match on vintage vehicles.

Engine Detailing

If you have ever purchased a car, surely one of the first things you did was open the hood to look at the engine – even if you didn’t have a clue what you were looking for! Whether you are looking to care for your existing car, baby your classic, or spruce up a bit before you sell, engine detailing is one of the most important steps in car detailing.

It is extremely important to follow the instructions in the do-it-yourself manuals. Some cleaning chemicals can cause accelerated deterioration of hoses and electrical components. Certain cleansers are not meant for automotive use, and their residue can remain flammable for several hours. Following a manual will prevent you from making the basic mistakes, show you the best techniques and tools to use (saving you scrapes on your hands as well as time), and can even help you create your own cleaning products which are just as effective as the one sold in your automotive store.

Wheel and Tire Maintenance

Keeping your tires looking good is a great way to keep your car looking good as new. While there are many great products out there to make your tires look great, you should know which ones clean, and which ones leave a residue all over the rubber which will haunt you once the shine wears off. When it come to wheels, it is important to keep them clean and protected. Small rocks and other debris on the road will put small pits in your wheels, making them more susceptible to rust and corrosion. A good how-to book shows you how to clean and protect your wheels so they look brand new for years.

It Just Makes Sense

Owning a how-to manual or book just makes sense. For a few dollars, you will have a wealth of knowledge and a handy reference guide to look at while you are detailing your car. You will pick up time-saving techniques and money-saving tricks that will improve the overall quality and safety of your DIY projects.

It just may turn out that car detailing will be a perfect new hobby for you!

About the Author

The Motor Bookstore sells repair and service manuals for cars, trucks, motorcycles, boats, farm tractors, and much more.

Car Accident Insurance Claim Regarding Impacts And Injuries

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: http://www.autoaccidentclaims.com. 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.com"


AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss)


Found on the internet at: "http://www.autoaccidentclaims.com"

About The Author

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.com

Accident Insurance Claim Personal Injury Insights

There’s nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the “pain and suffering” you were forced to deal with.

Besides botching up your body (and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense’s, including repairing your motor vehicle, lost wages, a shock to your life style, a tremendous inconvenience and short or long periods of pain and discomfort - - all of it a direct result of your injuries.

Plus, there's a long list of possible medical expenses. For example: Doctor/Chiropractor, Prescription Drug Bills, Ambulance, Emergency Room Care, Hospital or Clinic, Specialist and/or Dentist, Laboratory Fees and Services, Diagnostic Tests, X-Rays and (CT) Scan, Prosthetic Appliances or Surgical Apparatus (Canes & Crutches), Physical Therapy, Registered and/or Practical Nurse Fees, Gauze and Tape, Ace Bandages all of which the insurance company must pay whether they like it or not!

Also, Creams, Lotions, Ointments, Balms and Salves, etc. (Should the lady in your life apply any of these to your aching body I'm sorry to tell you this but her labor is not an expense you can claim).

YOU MUST BE COMPENSATED BY THE INSURANCE COMPANY FOR ALL OF THE ABOVE: It's true that a very small percentage of motor vehicle accidents cause big, serious injuries but that doesn't mean you shouldn't be paid big, serious bucks!

EXAMINATION BY THE INSURANCE COMPANY DOCTOR: Claims Adjuster Henry Hard-Nose of Rock Solid Insurance will usually try to pull a fast one insisting he wants you to be examined by the physician of his choice, the local medical con-man of all time, Dr. Nuttin' Wrong. Beware of such a request. Doctors assigned by the insurance company are notorious for stating, in the report they're paid big bucks to execute, "There is no objective basis", for your complaints.

You don't have to agree to be examined by Dr. Nuttin' Wrong. Rock Solid Insurance cannot insist that you submit to their doctor for an examination unless your claim actually becomes a formal court case. So, hold your ground until your attending physician, Ole “Doc” Comfort, has released you. After that it's okay to agree to be examined because by then it's too late! So much time will have passed it will be impossible for Dr. Wrong to minimize the pain, discomfort and suffering your injury has caused you.

WHAT TO DO ABOUT YOUR MEDICAL BILLS IF YOU MAKE THE MISTAKE OF OBTAINING LEGAL HELP FROM ATTORNEY I. M. SHARP: Should yours be a case in which there's no question that you're not at fault, make it clear to the Legal Beagle you've hired, I. M. Sharp, Esquire, that you expect his Contingency Fee will not apply to that which he recovers for the damage to your car, your medical bills, and/or your payment for lost wages. You tell him these are damages you would have collected ANYWAY - - whether he was handling the case for you or if you settled it yourself. Don't you dare be foolish enough to hand him a huge percentage of that which you were going to be paid by the insurance company, whether Attorney Sharp handled the case or not. To do so is the height of financial stupidity!

YOUR BODILY INJURIES: It's a proven fact that the vast majority of motor vehicle accidents cause minor injuries. While bodily injury pain can be specifically measured the limits of what you can endure cannot. Each of us has a different "pain threshold" - - that is, the point at which we begin to feel physical pain. The amount and quality of pain you feel is not strictly dependent on the bodily injury inflicted. It has a lot to do with your previous experience, how well you remember it, and your ability to understand what caused you that pain, and its consequences, the last time around.

Stress and strain magnify physical pain plus personal anxiety will greatly increase it. There are also emotional reactions to the injury. A bodily injury is bound to cause some degree of mental distress. The duration and severity that depends on a number of factors: The type of individual you are, the ultimate consequences of the injury you sustained, and the life stresses or strengths you're experiencing at the time of your injury. (If you can't stand her and she takes a powder you’ll handle your pain better if you really dig the chick and she dumped you for your best friend)!

When it comes to muscle injuries one thing you must keep in mind is that when one part of the body demands rest (by sending out a pain signal) and - - without your even realizing it - - you help your body by placing a new burden on other muscles. It gets complicated because although those muscles may not have been directly injured in the accident, they can still get buggered up and produce a lot of pain because of their new role.

DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle motor vehicle accident claim process. Neither Dan Baldyga nor (name the magazine/newsletter and/or web site) make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.

Dan Baldyga’s latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or visit your favorite bookstore.

Copyright (c) 2002 by Daniel G. Baldyga. All Rights Reserved

About The Author

For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of. dbpaw@attbi.com

Accident Factoids

Accidents, personal injuries and insurance claims are here to stay. No matter how far into the 21st Century American’s elect to drive (unless by the beginning of the 22nd Century we’re all zipping around in our own personal space ship) motor vehicle accidents will continue to pile up; with no end in sight!

  • There are more than 200,000,000 licensed drivers in the United States. (As of 2003 we’re close to a yearly 7 million motor vehicle accidents, involving well over 3.5 million injuries).

  • Car accident crashes cost society an estimated $4,900 per second. That’s about $25,000 in the time it took to read this fact.

  • Current records show that most American driver’s will have a near motor vehicle accident 1 to 3 times per month and will be in a collision of some type on the average of every 5 to 8 years plus these records also indicate that licensed teenagers are 22 more times likely to get a speeding ticket than those who are 65 years of age or older.

  • In 1896 there were only four cars registered in all the United States. Two of them collided with each other in St. Louis.

  • By the year 2025 there will be 33 million people 70 years or older in America. This segment of the population will be growing 2.5 as fast as the total population. They will make up the largest percentage of the “turning left” and “rear end” accidents. Slowly but surely Senior Citizens have developed a higher accident ratio than teenagers. (This will, in time, seriously impact the typical Senior Citizen’s pocketbook). And also, by 2025, the total costs for motor vehicle accidents in the United States will exceed 450 billion dollars.

  • The world’s most solitary tree is located at an oasis in the Tenere Desert in Central Africa. There’s not one other standing tree within 31 miles. In 1960, it was smashed into by a truck.

  • Up-to-date statistics clearly reflect that 1 out of every 5 Americans are involved in an alcohol-related car crash at some time in their lives and the day in which motor vehicle accident injuries occur most often is Saturday. Sunday is second.

FIVE CRUCIAL MEDICAL DEVELOPMENTS THAT HAVE SLOWLY BUT SURELY COME TO PASS. THESE WILL SERIOUSLY (AND FOREVER) IMPACT THE VALUE OF PERSONAL INJURY CLAIMS IN THE YEARS TO COME:

  1. Records prove that a motor vehicle accident of as little speed as 5 MPH can produce a “whiplash-type” injury.

  2. The symptoms arising from an injury sustained in a motor vehicle accident do not necessarily present themselves immediately following an accident.

  3. Medical research and clinical experience have accumulated enough information to demonstrate that the delay of an injury symptom is the norm.

  4. Studies have established that the delay of a symptom does not eliminate the possibility of severe injury.

  5. It’s been proven that individuals can continue to be symptomatic for many months (even years!) after a motor vehicle accident. In addition approximately 75% of them remain symptomatic for a minimum of 6 months after the accident. (And current up-to-date statistics reveal that between the first and second year after an accident has occurred over 20% of those injured actually have their symptoms worsen).

Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved

DISCLAIMER: The only purpose of this article, MOTOR VEHICLE ACCIDENT FACTOIDS has been created to help people understand the motor vehicle accident claim process

Dan Baldyga makes no guarantee of any kind whatsoever; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.

Dan Baldyga worked for over 30 years as an insurance adjuster, supervisor, manager and trial assistant. Since his retirement he has written 3 highly successful “How To” Insurance Claim books. His latest: AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) which includes BASE, The Baldyga Auto Accident Settlement Evaluation Formula for determining the value of ones “Pain And Suffering”, can be found on the internet at http://www.autoaccidentclaims.com.

About The Author

For 30 years Dan Baldyga was a claims adjuster, supervisor and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims, so they will not be taken advantage of.


dbpaw@attbi.com

Accident Collecting For Your Lost Wages

A couple months ago you were toolin' on down the avenue, minding your own business, when out of nowhere, this fumbling, stumbling man by the name of Freddie Fuddle flew through a Stop Sign and plowed into you with a gigantic, rip-roaring, screeching broadside. You were wearing your seat belt but it was still a thundering crash that wrenched and whipped you around the inside of your motor vehicle something fierce!

Now, after a long recovery period, Fuddle’s carrier, Granite Mountain Insurance is clamoring to close the case and they've assigned Claims Adjuster I. M. Strong, to handle your case. You and Strong are sitting at your kitchen table talking about your settlement dollars. It turns out he’s got some hang-up’s regarding your lost income. Well, here are some things you need to know:

Lost wages are one of the most important element's of your damages. Listen to me carefully when I say, "You should not think about the days you missed from work as Lost Time and Earnings. It's not Lost Time and Earnings - - it’s Lost Earning Capacity“

You ask, “What‘s Lost Earning Capacity all about? I thought I could only collect for my Lost Income?” The answer to that is, “In many situations you can claim lost income EVEN IF YOU HAVEN'T LOST ONE SINGLE PENNY “. For example, this can happen when your salary is paid because you've elected to apply for the sick leave that‘s due you, or because of an Accident and Health Policy available for you to take advantage of, or some other such arrangement.

In most instances - - even if you were paid while out of work - - you should still get that money routinely identified as Lost Wages. Why? Because that's your Lost Earning Capacity. Your Lost Earning Capacity is what’s called a Compensatory Damage. Don't let Strong swindle you out of that Compensatory Damage. Even if you’ve received an income, in some other way, you're still entitled to it. Strong will do everything he can to take advantage of you, especially when it comes to getting paid for your Lost Earning Capacity. During the course of every settlement negotiation he gets involved in, he‘ll try that tactic on for size, and it’s mind-boggling how often he gets away with it.

The typical statement made at that point, by the unsuspecting claimant is, “Hey, I understand I’m to be paid for my lost wages.”

Strong answers, “You collected $200.00 a week from your Accident and Health Policy didn’t you?”

“Yeah, but my average weekly income last year was $275.00 a week.”

“Okay”, I. M. Strong flashes a well practiced, winning smile, that tells you he’s a fair insurance claim adjuster, when in his black heart, he knows he's not! “We’ll pay you that $75.00 a week difference. Let’s see, you were laid up and unable to work for 5 weeks. 5 times $75.00 is $375.00. Don’t worry my friend, I’ll see to it you’re paid that $375.00.”

“Wow!” you think, “that’s terrific !.” You’re thrilled to death with this great turn of events. But what you don’t know is that the $200.00 a week you’ve received from your Accident and Health Policy has absolutely nothing to do with your lost income. The bottom line is that Smart has just cheated you out of one thousand dollars! And, worse than that, the $275.00 a week income you lost (for a total of $1,375.00) would have (in a court of law) given your case $4,000.00 to $5,000.00 more value in settlement dollars.

DOCUMENTING LOST INCOME: Ask the company you work for to write a letter on their official stationary declaring your gross salary income and the days you lost from work.

GROSS PAY VS. NET PAY: You should collect the "gross" wage's you lost, not the "net".

TOTAL DISABILITY and/or PARTIAL DISABILITY: For every week of Total Disability (a fact which must be stated in your doctors Final Medical Report) you should use your gross weekly income - - even if you were paid! (For every week of Partial Disability your doctor states in that Final Medical Report, you have the right to claim a substantial percentage of your income, during that period, even if you didn't lose any).

Because the following five points give value to your claim be ready to talk with Smart about and, wherever possible, prove:

(1) If your work demands heavy labor and/or lifting. (2) If you lost any vacation time or sick leave. (3) If there was any possible loss of money you could have earned in the future - - either with your company or maybe other income you've got bubbling and boiling on the side. (4) If you had to forgo any bonuses. (5) If you lost an opportunity that would have led to a better job.

If any of the above five points are true than your claim is worth more money!

THE CRUCIAL MEDICAL REPORT: The Granite Mountain Insurance Company and Adjuster I. M. Strong know that the longer your recovery period, the greater your "pain and suffering", therefore the higher the settlement value of your bodily injury claim. Your Chiropractor or Attending Physician must also note this in his Final Medical Report. Tell him to state exactly how long it will be, before you can get back to routine activities like golf, hunting, fishing and/or rockin' and rollin' with your lady friends.

As long as you have problems keep right on going back to see your doctor, again and again, even if it drives the poor bugger nuts! Do this because the fact that your records show a visit to him, four, eight, or twelve weeks after the accident, proves your injury needed constant attention, therefore you were unable to work. Also because, when you visit your doctor and tell him there's no let-up of your pain, discomfort, stiffness or immobility - - those continuing problems must be written into the Medical Report he'll provide for you when you've finished treatment. That's the one you'll hand to Adjuster Smart when the two of you begin to talk turkey. As he reads it you’ll watch him frown, then blanch as that cocky smile disappears from his face. When you see him do that you‘ll know, "ya got him"!

DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Dan Baldyga makes no guarantee of any kind whatsoever; NOR does he purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.

Dan Badyga’s latest book Auto Accident Personal Injury Insurance Claim (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or visit your favorite bookstore.

Copyright (c) 2003 by Daniel G. Baldyga All Rights Reserved

About The Author

For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.


dbpaw@attbi.com

Audi 6, Named As the World Car of the Year, Offers World Class Parts at Partstrain

Among the list of thirty six new vehicles out of the market before January 1, 2005 for at least five countries, on at least two continents, the Audi 6 was named as the World Car of the Year for 2005. This was held during the media preview for the Canadian International Auto Show held last February 16, 2005 in Toronto. The decision came out from the forty eight international automobile journalists representing sixteen countries that acted as the jury. They use twenty separate parameters including acceleration, braking, vehicle dynamics, safety features, cargo, and off road capabilities. They then selected the top 10 vehicles for the final round of voting.


The final selection was rated on five key areas of importance to costumers: merit, value, safety and environmental responsibility, significance, and wow factor! - the car's emotional appeal. The secret ballots were then collected and tabulated by KPMG, an international accounting firm.
The World Car of the Year programme is administered as a non-profit corporation with a Steering Committee of six journalists who oversee and monitor the integrity of the voting process. The Audi 6 surpasses the Volvo S40-V50 and Porsche 911 in a close race to be declared as the World Car of the Year.
"The concept of national borders is now almost non-existent in terms of where vehicles and their components are designed, engineered, developed, and built ... or where they are sold," said British automotive journalist, Graham Johnson, who is also a co-chair of the award program. "Considering the ever-increasing globalization of the automotive industry," he added, "the concept of a World Car of the Year award program was inevitable ... it is truly an idea whose time has come."

"An award of this magnitude rests like a crown jewel among a host of accolades for our new A6. To be selected as the ultimate winner from a list of so many deserving vehicles, by automotive experts from around the world is truly gratifying. It signals the universal appeal of Audi's approach to designing and building the most progressive, sporty cars in the premium class," said Johan de Nysschen, Executive Vice-President of Audi of America Inc., who received the award. "We are delighted to be the first-time recipients of such a prestigious award,” he added.

To know more about the Audi 6, or to purchase parts of the vehicle, visit http://www.partstrain.com/ShopByVehicle/AUDI . Shop other Audi models and other Audi model parts of any year also at www.partstrain.com.

About the Author

Jenny McLane is a 36 year old native of Iowa and has a knack for research on cars and anything and everything about it. She works full time as a Market Analyst for one of the leading car parts suppliers in the country today.