Dan Baldyga's Auto Insurance Advice

Low Speed Impact "Injury Facts"
By: Dan Baldyga
 

     Low Speed impacts are those that take pace at speeds under 10 MPH !
     There’s often little (if any) visible Property Damage done to the rear of ones motor vehicle. However, those who are struck (especially in the rear) often have injuries, especially neck injuries. The most common of them are identified as “Whiplash”.
     The most contributing factors to “Low Back Injuries” is that the occupants cannot brace themselves nor force their back and neck against the seat or headrest. Most bumpers are built to withstand a low impact (with limited visible damage) but while there may be very minor property damage the body gets snapped around and the body sustains “Soft Tissue” injuries - - including bruises, plus chest and rib injuries.
     It’s been proved that while seat belts save lives they can also cause injuries! Since the introduction of Seat Belt Legislation the incidence of “Soft Tissue” injury has increased an astonishing 21% !
     If one were to refer to the “Institute For Highway Safety (regarding their alleged Inside-Information - - conducted via their “Crash Test Dummy” tests) they would read, “Whiplash is fairly rare.”
     This is absolutely incorrect ! Why? Because their “Crash Test Dummies” are seated comfortably and erect, with all the proper equipment, seat backs, seat belts, head restraints, etc. However, it’s highly improbable that any of us are ever in the “Ideal Model Situation”, when involved in a motor vehicle crash.
     Body size plays a role in how severe an individuals injury can be. Tall people are at greater risk of “Whiplash”. This is because they are most likely to have head restraints that are too low to be of any help at impact. Individuals with less muscle mass (i.e. women, children and the elderly) pose a higher level of injury risk because this lowers their own internal protective mechanism. This phenomenon also applies to those with small bone structure!
     VEHICLE DAMAGE: Older vehicles often suffer greater impacts but show less damage, than new cars. Just because a vehicle shows little or no damage to the bumper does not mean the driver or other occupants did not suffer an injury.
     Even though there’s little, if any, Property Damage to be visually observed, and becomes a problem for (regarding your Personal Injury Claim with the insurance company you’re dealing with - - because there’s no Property Damage to be seen) there are 3 crucial factors one ought to double-check, by hiring a “Professional” to supply you with a written report on.
     These three are as follows:
#1. Are there damages to the Bumper Mounts or Absorbers?
#2. A “Professional” (by studying the marks on the Bumper Pistons) can estimate the amount of force received at impact.
#3. Also, that “Professional” must determine if the striking vehicle’s bumper slid over or under your cars bumper! (If so, even though there may have been little or no damage to your car, this absolutely proves you did indeed absorb a substantial crash)!
     Too often the insurance adjuster (and/or their Superiors) will attempt to deny the possibility of an injury sustained at a low speed impact. However, recent in-dept research substantiates, just the opposite!
     Although many times the motor vehicle shows little damage, the velocity and accompanying force had to be transferred somewhere and that’s always to the unlucky occupant of the motor vehicle that’s been crashed into.
     YOU SHOULD NEVER FORGET: Motor vehicles are built to withstand these impacts. Your body is not !

DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor Automotive Trends make any 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's latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at his web site 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 will explain how to determine the value of the "Pain and Suffering" you endured, because of your personal injury.

Copyright (c) 2004 by Daniel G. Baldyga. All Rights Reserved