Ok, time for some more. I just woke up so I’m kind of bleh right now. I’ll let the pictures do the talking.
Pretty sure this is the car I’m thinking of. I shot it a while back at my cousin’s place. I think it had spacers in the back then though. I recognized the Mugen-ness of it and the color.
Not really sure why, but some of the nicely done cars were really dirty.
I thought this was pretty funny. The guy busted out a lamp for his car and ran an extension cable around it. I like to see the effort, but the cable kind of ruins the picture.
I absolutely loved this shot. Although the shot is flawless, the urban feel of the scene of the composition and the editing gives off the feel of the mood.
That’s about it from the meet. I’m heading out to Vegas tomorrow. If you happen to be in Vegas this weekend, hit me up, I’m shooting for free out there.
Se ia o dimineata frumoasa de duminica, cu zapada ca-n basme. Dupa o trezire alene, ma duc spre masina sa iau ceva din torpedo. Ma apropii de masina si vad ca prin mormanul de zapada care o inconjoara, adie usor vantul prin geamul din fata stanga, un pic cam spart. Ma invart prin jurul masinii, deshid usa, imi fac loc printre cioburi si evaluez pagubele. Un geam spart si bricheta lipsa. Altfel, CD-urile cu muzica imprastiate pe jos – se vede ca nu au gasit manele – mp3 player-ul la locul lui si nimic lipsa.
Ma gandesc la polita Casco si e clar ca trebuie sa sun la Politie, pentru o constatare. Incerc la 955 – asa tineam eu minte ca e numarul Politiei. Robotul imi spune sa formez 021 mai intai. Fac si asta si observ ca numarul nu este alocat. Sun la 112 si vorbesc cu doua doamne care ma asigura ca un echipaj de politie va ajunge in cel mai scurt timp posibil. De asemenea, ma roaga sa nu ating nimic in masina, sa poata lua amprentele.
O ora mai tarziu – nu atat de scurt timp pe gerul asta – apare si un pedestru dezorientat purtator de cascheta. Se uita la masina, imi cere buletinul si numarul de telefon. I le dau. Doua minute mai tarziu apare si jumatatea lui, al doilea caschetar. Imi cere si el, in aceeasi sinergie a ideilor, buletinul si numarul de telefon. Cuprins de spiritul sarbatorilor, i le dau si lui. Noteaza si apoi da ceva prin statie. Se intoarce spre celalalt si ii sopteste ceva. Vin amandoi spre mine si ma lasa KO.
“Avem numarul dumneavoastra de telefon (sic). V-am facut programare, sunteti a treia masina, veniti si raportati furtul la sectia 11, langa Mall Vitan”
“Pai eu nu v-am chemat aici ca sa raportez? Sa constatati ce e stricat, ce e lipsa, sa faceti o poza sau ce trebuie sa faceti, semnam si ma duc linistit la asigurator?”
“Nu putem. Nu avem cu ce sa luam amprentele si nici aparat foto. Va urcati dumneavoastra in masina si veniti la sectia 11. Dar veniti repede, ca se face coada si domnii nu or sa stea sa va astepte”
“Deci tu imi spui mie sa ma apuc sa dezapezesc masina, sa imi croiesc drum pe strada, FARA geam, si FARA sa pun mana pe volan, usi, schimbator sau torpedo, ca sa nu stric amprentele? Voi ce scoala ati facut?”
“E, lasati, domnul, ca oricum nu ii prinde nimeni p-astia. Faceti la sectie hartiile si asta e, daca doriti sa depuneti plangere”
“Hai, multumesc, la revedere, poate va retin din treaba”
Deci, pe scurt, organul s-a plimbat un pic pe la masina mea, m-a intrebat daca sunt sanatos, bine, si m-a trimis la plimbare. Domnul Christian Ciocan, stiu ca mi-ati comentat destul de repede cand am scris pe blog ceva frumos de Politie. Hai sa vedem, ce ziceti de cum m-am distrat eu duminica alaturi de colegii dumneavoastra? Asa-i ca suntem un model de eficienta?
Sarbatori Fericite tuturor capetelor de creta. Exact atat de fericite pe cat le meritati.
i-Zone C.R es una empresa costarricense que nació en el año 2004 para proveer varios servicios que van desde la venta de suministros, café internet y desarrollo de páginas web. Además de promover el desarrollo y venta de arte costarricense por Internet.
A continuación le detallamos:
Ventas de arte costarricense por INTERNET Nuestros socios de negocio son pintores, escultores y artesanos costarricenses que por medio de nuestro sitio promocionan sus obras a través de internet. Nosotros le facilitamos a través de la filiación, servicios de asesoría, contactos, publicaciones semestrales en los periódicos nacionales y a mediano plazo anuncios internacionales. Para poder hacer uso de estos servicios debe registrarse en forma gratuita, o bien colocando anunicios.
La Corporacion izonecr o i Zone de Costa Rica tiene como principal funsion la misión de ayudar a promocionar artistas Costarricenses destacados en sus diferentes areas, por medio de nuestro sitio web a través de la Red Mundial de internet & por medio de nuestros Festivales Artisticos
Een gevleugelde uitspraak die meestal gebruikt wordt door klimaatsceptici. Hier een verzameling van posts waarbij je deze uitspraak kunt gebruiken:
Extreem koude dag en nacht Friese scholen dicht CBR last rijexamens af Scheepvaart stilgelegd
Op een aantal posts zou ik wel wil reageren, maar door het gebrek aan tijd hou ik het even bij een korte reactie op ‘CBR last rijexamens af’.
Blijkbaar wordt van nieuwe automobilisten verwacht dat ze alleen nog onder ideale omstandigheden auto kunnen rijden. Dat blijkt ook wel aan het gestuntel op de weg tegenwoordig, maar hoe kun je dit nog serieus nemen? De afgelopen dagen ben ik ook meerdere keren de weg op geweest, en je wordt wanhopig als je ziet wat er om je heen gebeurd. De meeste moderne auto’s hebben ABS, ESP, DTC, noem maar op, maar er is niemand die daar ook daadwerkelijk gebruikt van maakt. Zou men dat wel doen, dan zou er veel meer doorstroming zijn.
Vandaag ben ik even lekker aan het experimenteren geweest met de verschillende instellingen. ABS doet het altijd wel, maar in mijn auto kan ik DTC aan zetten. Dan komt er gelijk een waarschuwing waar de gemiddelde Nederlander waarschijnlijk van in paniek raakt want de DSC is beperkt. Leuke van deze instelling is echter wel dat je veel sneller wegrijdt op een gladde ondergrond. En ja, de achterwielen krijgen een beperkte wielspin en dat vindt iedereen in de stad doodeng gezien de reacties.
Daarna DSC helemaal uitgeschakeld, en dan is het met bijna 300 PK en 600Nm echt leuk. Je moet alleen niet meer verwachten dat je ergens komt, of met een zijden voet gaan rijden.
De standaardinstelling DTC uit en DSC volledig aan, is waarschijnlijk voor de meesten de veiligste, maar persoonlijk vindt ik het prettiger rijden met DTC aan en DSC beperkt. DSC beperkt laat een heel klein schuivertje toe, maar grijpt nog steeds ruim op tijd in. DTC aan staat een beperkte wielspin toe, maar zorgt voor maximale tractie op de aangedreven wielen, dus de auto doet beter wat je van hem vraagt.
Als je dit niet eerder hebt geprobeerd, zoek dan even een parkeerterrein met sneeuw en zonder auto’s op en ga eens experimenteren met de verschillende instellingen van de electronica. Je zult verbaasd staan over de mogelijkheden die het biedt en de correcties die ongemerkt tijdens het rijden gedaan worden. Mijn auto remt ook automatisch bij als het nodig is om de auto te corrigeren. Dat voel je als je oplet inderdaad ook gebeuren, maar er gaat geen lampje op het dashboard branden.
Ben je uitgeëxperimenteerd en heb je de ideale instellingen te pakken, dan hoop ik dat je ook alles helemaal uit kunt zetten en een mooie drift kunt maken op de parkeerplaats. En koop in vredesnaam nou eens winterbanden! Dat kost geen cent meer (als je op winterbanden rijdt slijten je zomerbanden niet) en het is ook leuk om een paar maanden per jaar op ander lichtmetaal te rijden.
Moraal van het verhaal: Het CBR zou onder deze omstandigheden de examens juist door moeten laten gaan. Nu kun je laten zien dat je auto kunt rijden of niet. Een beetje als een dood schaap voort sukkelen achter je voorganger heeft niets met autorijden te maken.
I want to take a moment to personally thank all of my great Omaha area Farmers Insurance customers for their business in 2009. I have been a Farmers Insurance agent for 3 years now and am currently one of the top insurance agents in the Midwest. I work hard to provide my Omaha area insurance customers 24/7 service. If your current insurance agent is taking you for granted, give me a call at 402-515-9385 or visit my website or my office for more personalized service. And, very competitive rates on home, health, auto, life and commercial business insurance.
Again, thank you, my valued customers, for your business. I am grateful!
Dirk Werner has won the coveted Porsche Cup for the most successful driver of privately-entered race cars. The accolade, awarded by Porsche AG, was presented by Dr. Wolfgang Porsche, Supervisory Board Chairman of Porsche AG, at the season-closing “Night of Champions” celebration in the Porsche Museum. In addition to the challenge cup, the German also received a Porsche 911 GT3 worth around 120,000 Euro. Last year, Werner was narrowly beaten to the trophy by Australian Alex Davison. Werner joins the ranks of world class Porsche Cup winners which include Jochen Mass, Klaus Ludwig, Bernd Schneider, Bob Wollek, Henri Pescarolo and Marc Lieb.
Over the course of this season, Dirk Werner won the drivers’ classification in the Grand-Am Series with Leh Keen at the wheel of a Farnbacher Loles Racing 911 GT3 Cup. Thanks to their four victories, Porsche took home the manufacturers’ title, with Farnbacher Loles Racing claiming team honours. The Carrera Cup champion of 2006 is the first European to win the Grand-Am Series two times after his triumph of 2007. Werner also contested four rounds of the American Le Mans Series at the side of Porsche works pilot Wolf Henzler. At the 1,000 mile Petit Le Mans event, the pair ranked third in a 911 GT3 RSR. At the long distance Nürburgring 24 hour classic, the 28-year-old saw the chequered flag in third place with his teammates Emmanuel Collard, Wolf Henzler and Richard Lietz with Manthey Racing’s Porsche 911 GT3 Cup S. For Mamerow Racing, Werner won three rounds of the Nürburgring long distance championship.
Second place in the 2009 Porsche Cup went to Raymond Narac. The Frenchman won six races in the International GT Open at the wheel of the Porsche 911 GT3 RSR of IMSA Performance Matmut, and concluded the season in third place with his teammate and Porsche works driver Patrick Pilet. Again with Pilet, the 42-year-old yielded sixth place in the European Le Mans Series. In Portimao, the pair managed a podium result in second. Narac also contested the 24 hour races in Le Mans and at Spa-Francorchamps, as part of the FIA GT Championship.
The third best private driver was Richard Westbrook. During 2009, the Briton competed in eight different race series, crowning his season with the drivers’ title of the FIA GT Championship in a Porsche 911 GT3 RSR fielded by Prospeed Competition. The 34-year-old also contested two races each in the American Le Mans Series, the International GT Open, the Belgian GT Championship and the ADAC GT Masters. Westbrook also made a guest appearance in the Grand-Am Series.
The 2009 Porsche Cup carries a total value of 253,000 Euro, with positions two to ten receiving graduated prize money. In the competition for the title of the best private race driver of the year, Porsche awards points in prototype and grand touring race series as well as in selected long distance races following a special system.
These are my choices for ‘Must Haves’ for Christmas 2009.
NOTE: These are all going to be electronics.
Must Have Number 1:
Xbox360
An Xbox360 ‘Arcade’ (White), and ‘Elite’ (Black)
Now you’re probably thinking, “What’s the difference between the two?” Well, the Xbox360 Elite comes with more features, a 120 GB harddrive, a headset, and other crap.
The 360 Arcade comes with the console, a controller, and 1 month free of Live UNLIKE the Elite. Also I doesn’t come with a 120 GB harddrive, but you are able to buy a harddrive.
Must Have Number 2:
Grand Theft Auto 4
Grand Theft Auto 4 (PS3) Cover
Though an relatively old game (release date – 2008) it is loads of fun and is available for PC (click here for system requirements), PS3, and Xbox360. I’m not going to talk about the game due to many reviews on YouTube.
NOTE: PC VERSION MAY HAVE MANY PROBLEMS. BUY RETAIL AT YOUR RISK, RECOMMENDED YOU BY OFF OF STEAM.
Must Have Number 3:
Beatles Rock Band
Beatles Rock Band Cover (Wii)
This game is like an ordinary Rock Band game, except for the music, and your characters…obviously the Beatles. This game is available for Wii, Xbox360, and Ps3. This game aired September 10th 2009. I am not going to go into depth on this game due to reviews on YouTube.
Must Have Number 4:
Nintendo Wii
The Nintendo Wii Box
Since the air off the Wii in 2006 to now as of 2009, pretty much everyone I know owns a Wii. Plus the Wii price has dropped so it’s a good time to get one. The Wii uses a wireless remote that has a bit of similarity to your television remote, but it involves physical activity in your arm to control the game. (Or certain games you use your rear to control it…lol) The Wii also has many games to get people ‘into shape’ or ‘more fit’. Such as the title, “Wii Fit.” I will not ramble more on about the Wii since there is a review on trusty old CNET.
NOW FOR THE HEAD HONCHO OF THE LIST… find out here.
2010-mitsubishi-lancer-mr-limited-auto-car c 1280×853 wallpaper picture of 2010-mitsubishi-lancer-mr-limited-auto-car c 1280×853 to view full size click 2010-Mitsubishi-Lancer-Mr-Limited-Auto-Car C 1280X853 wallpaper ( 2010-Mitsubishi-Lancer-Mr-Limited-Auto-Car C 1280X853 wallpaper )
Can I Recover Under Multiple Under/Uninsured Auto Insurance Policies?
Under Alabama law, an insured may recover under multiple uninsured or underinsured auto policies where the loss exceeds the limits of one policy. Safeco Ins. Co. of America v. Jones, 243 So.2d 736 (Ala. 1970). However, the insured rights to stack is a limited right because while the insured may “stack” multiple uninsured or underinsured policies, the amount of recovery may not exceed the insured’s actual loss. Id., at 738. As applied, if you have two policies that provide you with uninsured or underinsured motorist coverage for $25,000.00 each, then you may add (stack) the polices together for a total uninsured or underinsured motorist coverage of $50,000.00.
A named insured may stack as many as three auto insurance coverages (i.e., three vehicles covered under one policy) within one policy and there is no limit as to the number of policies the insured may stack. State Farm Mut. Auto Ins. Co. v. Fox, 541 So.2d 921 (Ala. 1989).
Passengers, under Alabama law, can stack underinsured or uninsured motorist coverage, too. For example, a passenger that has been involved in a car or truck wreck may stack up to three coverages on the named insured’s policy covering the vehicle. Allstate Ins. Co. v. Alfa Mut. Ins. Co., 565 So.2d 1070 (Ala.1990). The passenger may also stack any coverages he has on his own vehicle.
The insured’s ability to stack uninsured or underinsured polices is very important because multiple policies can provide a larger recovery for the injured driver or passenger, or both.
If you have been in a car wreck and are not sure what insurance benefits you are entitled to under Alabama law, then contact one of our car and truck wreck attorneys for a free legal consultation.
SAN FRANCISCO — Key insurance regulators said yesterday that they will not require the industry to offer auto policies that reduce emissions by rewarding motorists who drive less.
They also shied away from a new plan to make those policies, often called pay-as-you-drive, standardized across the nation, similar to other environmental movements like Energy Star appliance standards and the green building code called LEED, or Leadership in Energy and Environmental Design.
“I doubt that we’ll ever require pay-as-you-drive,” said Joel Ario, Pennsylvania’s insurance commissioner and chairman of a national climate change task force.
That assertion follows months of research by Ario and other regulators who have promoted the “drive less” concept. They believe motorists will leave the car at home if their insurance rates decline with the number of miles they drive. That can cut into the transportation sector’s carbon output, which amounts to about 28 percent of the nation’s greenhouse gas emissions. Light-duty vehicles account for about half of that pollution.
But Ario and Washington state insurance commissioner Mike Kreidler, two of the biggest proponents of pay-as-you-drive, said it’s their hope that insurance companies will adopt the programs voluntarily.
“We’ll get the best results if we give the industry room to experiment and innovate, and don’t get prematurely on ‘This is the one way to do it, and all the rest of the ways are wrong,’” Ario said yesterday at a climate summit he hosted with the National Association of Insurance Commissioners. “I think we need to be open.”
Some companies offer ‘pay as you drive’
The idea is expanding quickly. Progressive Insurance Co. offers pay-as-you-drive policies in 19 states, and California launched a voluntary program in October. A smattering of smaller companies are offering similar products.
But each policy is different, and a handful of environmental groups say a standardized approach would expand its use while ensuring that environmental objectives are met. A Brookings Institution study last year estimated that if every driver had a miles-based insurance policy, car travel nationally would be reduced by 8 percent. That would cut emissions 2 percent and save each household $270 annually, on average, per car.
“Scaling up Pay-As-You-Drive in the marketplace is essential for maximizing its many consumer, environmental and social benefits,” Mindy Lubber, president of Ceres, one of the groups involved in developing the standard, said in a statement. “This performance standard is designed to spur insurers across the U.S. to expand their Pay-As-You-Drive products, and to make them more robust.”
The proposed standard foresees three tiers of insurance: gold, silver and bronze.
The price of gold premiums would change with every mile driven. If a motorist reduced her annual driving by 50 percent, the premium would be cut in half.
Silver premiums would offer discounts for every reduction of 250 miles. Under this plan, a 50 percent reduction in driving would provide a 40 percent discount.
The bronze plan would measure driving reductions in 500-mile increments. Discounts would be given for every mark reached. If a driver cut his annual miles by 50 percent, he would see a 25 percent savings in insurance.
Ario, the Pennsylvania regulator, supports the standard, but says it won’t be imposed on the industry as a mandatory benchmark anytime soon.
Standardized policies may come later
Evan Mills, a contributing scientist to the U.N. Intergovernmental Panel on Climate Change and expert on insurance, said standardization often comes from within private industry.
“It’s not necessarily a regulator who’s the only messenger for that,” he said.
Sharlene Leurig, who heads Ceres’ insurance program and who helped to develop the standard, said she and other environmentalists will work at the state level to impose the system. She noted that a national standard is optimal.
“We don’t know that it’s necessary that commissioners make it a mandatory offering,” she said of the standard. “We do have hopes of getting commissioners to use this in their states.”
Ario said the big challenge will not be requiring insurers to offer climate-friendly policies, but rather getting out of their way when they’re trying to be innovative. In the past, regulators have sometimes made it difficult for insurers to shift with the changing times.
Pay-as-you-drive, often referred to as PAYD, is rooted in measuring a driver’s mileage. Progressive uses a small device that motorists can plug into their dash under the steering wheel. It transmits data like a cellular phone, and motorists can view their driving habits online, including behavior like hard braking and gas-guzzling acceleration that can add emissions to the air. The device is license-protected, and other insurers balk at paying a competitor to use their technology.
Concerns about ‘Big Brother’ tracking devices
But there are other ways to measure mileage. California, for example, allows motorists to self-report their distance traveled, or lets licensed smog inspectors read motorists’ odometers. That’s one solution to what became an uprising among California privacy advocates concerned about “Big Brother” tracking their location, according to Adam Cole, general counsel for the California Department of Insurance.
“The issue of technology has generated a great amount of controversy. Huge,” Cole said. “We are not allowing any insurance company to stick a device in the car to determine where you are.”
Other states may follow California’s lead and provide clarifying regulations around a voluntary program.
Kreidler, the insurance regulator for Washington state and vice chairman of the insurance commissioners’ national climate change task force, said motorists will drive a “dramatic” change by demanding the money-saving policies.
“I think it’s really going to be driven a great deal more by economics of the individual,” he said. “I would make a prediction that over the next 10 years, you’re going to see this phased in.”
Copyright 2009 E&E Publishing. All Rights Reserved.
When California Vehicle Code Section 21702 is cited as being the primary collision factor for an auto accident in California, and the person found to be in violation of this Vehicle Code Section is the other driver involved in your accident, this can greatly assist a personal injury lawyer in settling your accident insurance claim for a substantial settlement or even the policy limits if your injuries are extensive. This is even more true in the case of fatal accidents which cause one or more fatalities. Although a traffic collision report is not evidence, insurance companies treat them as if they are as discussed below.
However, due to how insurance companies treat individuals without an attorney, a person injured in an auto accident should always retain an attorney to represent them at the earliest possible date after an accident. Unless you haven’t been injured and won’t be needing medical treatment, an experienced and reputable personal injury lawyer will almost always be able to obtain a considerably larger settlement from an insurance company and a larger amount for you, even after the attorney’s fees and costs are paid.
At the Law Firm of Sebastian Gibson, we work on a contingency fee basis, which means that unless we obtain a settlement or judgement in your case, there is no fee payable to us. Even if we’ve incurred costs, such as the costs of obtaining your medical records, no fee is payable to us, unless we obtain a settlement or judgement in your favor. Starting with the personal injury consultation which is also free, and which can be by phone or in person depending on our mutual availability, you never receive a bill from us on any case we take on contingency. Unlike other attorneys who ask you to pay the costs involved with your case, we simply don’t believe you should have to pay those costs yourself.
We’ll also advise you how to obtain reimbursement for your car repairs or if your vehicle is totaled, for the value of your vehicle, and any amount you receive for the vehicle is yours to be used by you for the repairs or to replace your vehicle. At the Law Offices of Sebastian Gibson we never take any portion of your property damage settlement and we can also advise you how to obtain payment for a new child safety seat if one was in use at the time of the accident.
California Vehicle Code Section 21702 provides:
21702. (a) No person shall drive upon any highway any vehicle designed or used for transporting persons for compensation for more than 10 consecutive hours nor for more than 10 hours spread over a total of 15 consecutive hours. Thereafter, such person shall not drive any such vehicle until eight consecutive hours have elapsed. Regardless of aggregate driving time, no driver shall drive for more than 10 hours in any 24-hour period unless eight consecutive hours off duty have elapsed. (b) No person shall drive upon any highway any vehicle designed or used for transporting merchandise, freight, materials or other property for more than 12 consecutive hours nor for more than 12 hours spread over a total of 15 consecutive hours. Thereafter, such person shall not drive any such vehicle until eight consecutive hours have elapsed. Regardless of aggregate driving time, no driver shall drive for more than 12 hours in any 24-hour period unless eight consecutive hours off duty have elapsed. (c) This section does not apply in any case of casualty or unavoidable accident or an act of God. (d) In computing the number of hours under this section, any time spent by a person in driving such a vehicle outside this state shall, upon the vehicle entering this state, be included. (e) Any person who violates any provision of this section is guilty of a misdemeanor and is punishable by a fine of not less than one hundred dollars ($100) nor more than one thousand dollars ($1,000) for each offense. (f) This section shall not apply to the driver of a vehicle which is subject to the provisions of Section 34500.
When a Police or CHP Officer, or a Sheriff’s Deputy states in his or her report either that the primary collision factor in an auto accident was one party’s violation of a certain vehicle code section such as the one above, and that one of the parties is at fault for violating that code section, the Officer or Deputy is stating what he or she believes to be the underlying cause of the accident.
The reason insurance companies treat the collision reports as if they are admissible evidence is that they know if put on the witness stand, the investigating officer or deputy will almost always testify in a manner consistent with the conclusions in his or her report. That testimony becomes evidence and will often sway a jury in their determination of fault for an accident.
While an investigating officer’s job is to determine if there was a violation of the law and not to determine who should be at fault in a civil dispute such as a car accident claim, insurance companies often view these two determinations as one and the same.
A police officer assigned to investigate the scene of an accident does not have the role that a trier of fact does in a courtroom. The officer is not there to render a verdict and determine who is responsible for the damages. Rather, the officer is there to determine if any laws were broken. The officer makes such a determination based on his or her having seen the damage to the vehicles, and having spoken to the drivers and the witnesses when their memories are freshest. He or she is thus often in a position to make a well-educated determination of who caused the accident.
Unfortunately, despite the experience of most investigating officers who are dispatched to the scene of an accident, sometimes mistakes are made by these officers. Quite often one or both parties to an accident will lie to them and an officer or deputy will not always be able to determine which of the parties is telling the truth. The evidence from the scene, while important, may also be misleading as to what actually occurred to cause the accident.
If you’ve been injured in an auto, truck, motorcycle, bike, pedestrian or car accident, or if you’ve lost a loved one in a wrongful death vehicle accident, call our offices for a free personal injury consultation by phone. You can also e-mail Attorney Sebastian Gibson at sgibsonesq@aol.com Additionally, we invite you to visit the Sebastian Gibson law firm website for more information at www.CaliforniaAttorneysLawyers.com
Sometimes an Officer or Deputy cannot determine with any degree of certainty which party was at fault and will cite two possible Vehicle Code Sections, one for each party in a two-party collision, that may have been violated. In that case, the Police or CHP Officer or Deputy will often state that the primary collision factor is unknown.
Even if there are witnesses to an accident, the Officer of Deputy may discount the statements of some or all of the witnesses if they were friends or relatives of one of the drivers.
Although, as stated above, the conclusion of fault by an officer or deputy does not carry the same weight as a determination of fault by a judge or jury, the importance of the citation of this or any other California code section in the police report is that insurance companies treat the conclusions in these traffic collision reports in a great majority of cases as if the conclusions were written in stone and evaluate a party’s claim based on the findings of fault in these reports.
A traffic collision report may be amended by the police department or the CHP where it contains obvious mistakes, such as when the officer or deputy has mixed up the names of the parties. Supplemental reports are sometimes written when new evidence comes to light, such as when a hit and run party is located. But for the most part, most police departments, Sheriff’s offices and the California Highway Patrol will not amend a report when a party complains and states why he or she doesn’t feel they should have been found at fault for a collision. They will, however, in most cases allow a person to fill out a Counter Report, which, unfortunately simply does not carry much weight with an insurance company.
If the Primary Collision Factor for an accident is unknown, one should look on the traffic collision report to see if the Police or California Highway Patrol Officer or Sheriff’s Deputy cited any “Other Associated Factors” in the traffic collision report as having had a role to play in causing the collision. There may have been faulty equipment, as with some truck accidents, or the roadway itself may have been dangerous.
If you’ve been injured in an auto accident in California that has been determined by the investigating Police or CHP Officer or a Sheriff’s Deputy to be the fault of another driver as a result of his or her violation of Vehicle Code Section 21702, call the Law Offices of Sebastian Gibson as soon after an accident as possible before important evidence disappears, such as skid marks that are washed away with the rain.
At the Law Firm of Sebastian Gibson, we specialize in California auto accidents caused by violations of the California Vehicle Code, such as Section 21702, and will represent you to obtain the compensation you deserve for your injuries.
In over thirty years of practice, Attorney Sebastian Gibson has obtained millions of dollars in settlements and multiple million dollar or larger settlements. We handle auto accident cases on a contingency fee basis so there is no fee payable unless we win your case and obtain either a settlement, an arbitration, mediation, jury, judge or court award.
If you’ve been injured in an auto accident, call to speak with a lawyer at our offices for a free personal injury consultation by phone. You can speak to Attorney Sebastian Gibson personally by phone or you can e-mail Sebastian Gibson at sgibsonesq@aol.com or visit the Sebastian Gibson law firm website at www.CaliforniaAttorneysLawyers.com
Last week, more than 33 million Americans drove at least 50 miles to visit family and friends for Thanksgiving. The great majority returned home safely.
But for too many families, this holiday will bring tragedy. Last year, during the four-day Thanksgiving driving period, nearly 400 people were killed in traffic accidents in the U.S., according to the National Highway Traffic Safety Administration. For all of 2008, more than 37,000 people were killed in car crashes.
Last week, National Public Radio aired stories and hosted conversations about highway safety. Visit http://www.npr.org/templates/story/story.php?storyId=120593843 and we’ll explore the many ways that safety has been improved through better vehicle technology, smarter road designs, and reformed behaviors, such as reduced drunken driving.
The changes have yielded dramatic results: In 1969, the driving-related fatality rate in this country was 5 deaths per 100 million vehicle miles traveled. The current rate is about 1.27 deaths.
But fatalities are still high because of the many dangers that remain, especially on rural roads where trucks, RVs and passenger cars frequently collide. And new risks are emerging as more and more drivers look away from the road to send text messages. At the same time, tens of millions of aging baby boomers are entering the years when driving skills will be declining significantly.
In coming decades, will we see more advances in safety because of new technologies and laws? Or will we see fatality rates start to rise again?
Protection Connection knows a thing or two about on the road safety.
Call us today to speak with one of our Preferred Safety Agents.
We will help you build a policy that fits your lifestyle, and protects your family at the worst of times.
Protection Connection
2410 North 28th Avenue
Hollywood, FL, 33020
800.925.0759
Porsche offers insight into the development of the new Gran Turismo
Stuttgart. Special tidbits at the Porscheplatz in Zuffenhausen: For the first time, visitors of the Porsche Museum will experience the model series Panamera. A range of exhibits and documents are offering an insight into the development of the latest model series of the Dr. Ing. h.c. F. Porsche AG, Stuttgart, in an extraordinary atmosphere. The special “Panamera Moment“ exhibition (from 8 December 2009 to 28 February 2010) presents the innovations of the four-door Gran Turismo i.e. via a sophisticated cutaway model. Films on the design and technical features of the vehicle complete this experience.
The Special Exhibition comes in an artistic framework set by the well-known car photographer Frank M. Orel with his spectacular pictures. This photo artist from Stuttgart has photographed Porsche’s new Gran Turismo in situations both unusual and, indeed, quite unexpected. Shortly after having been launched in September, the Panamera was awarded the renown prizes “Goldenes Lenkrad“ (Bild am Sonntag / Autobild) and “Auto-Trophy“ (Auto Zeitung) as well as several international prizes.
The Porsche Museum is open from Tuesday to Sunday from 9:00 to 18:00. Further information is available at www.porsche.com/museum.
As a Lake Arrowhead Wrongful Death Attorney with millions of dollars in settlements and multiple million dollar or larger settlements from over thirty years of experience in or around Lake Arrowhead, other nearby cities and internationally, I know many of you are attempting to settle your own personal injury, dog bite and wrongful death cases by yourselves for the maximum and the biggest settlement you can to save the cost of an attorney.
In this article I’ll tell you the secrets of how attorneys negotiate for top dollar and I’ll also tell you why insurance companies lick their chops and rub their hands together with glee when individuals try to settle their claims without an attorney and why, in most cases, you’ll receive a larger, much greater amount in your pocket or in the trust fund you set up for any children injured in the accident, even after an attorney’s fee and costs if you hire a reputable and experienced personal injury attorney.
If you’ve been the victim of a car, motorcycle, bike, truck, pedestrian, bicycle, or auto accident, lost a loved one in a wrongful death or been the victim of a dog bite or animal attack, you can visit our website at http://www.sebastiangibsonlaw.com for more information and call us at any of the numbers easily found on our website.
First, you need to know that insurance companies evaluate cases two ways. As soon as you begin negotiating with the insurance company yourself, they evaluate your case, unfortunately, in terms of a nuisance value matter. They’ve settled tens or hundreds of thousands of cases with individuals before for paltry amounts and they will expect they can settle your case for a measly amount as well.
Why do they look at you as if you’re chopped meat? As soon as you tell them you are negotiating your own settlement, they know you’re trying to save money. To them, that means you may even be desperate. They also know you won’t be as knowledgeable about their tricks and tactics and like those tens or hundreds of thousands of people before you, they know how they can play you until you either become so frustrated you settle for their bad offer or become panicked that your time is running out.
The second way they evaluate a case, namely one presented by a lawyer, is an analysis of what the case’s true settlement value is based on the attorney’s skill and experience, how prepared the case is for litigation in the event it doesn’t settle, and the actual value of the injuries and associated pain and suffering, wage loss and other out of pocket expenses.
To settle your case for the largest amount possible, which may be the policy limits of the insurance policy, depending upon the severity of your injuries, you need to get the insurance adjuster to evaluate your case in the same manner they would as if an attorney were negotiating with them. While most insurance companies, unfortunately, simply won’t do that, here’s what you need to do to try to obtain the maximum settlement value.
First, you need to obtain all of your medical records and bills. You can’t rely on the insurance company to do this. As soon as you tell the insurance company you want them to do this or agree to having them do it and tell you how much your medical bills come to and what your medical records say, you are giving up control of the situation. I can’t stress this enough.
You will need to sign authorization forms to obtain your medical records and bills and pay the cost of obtaining those medical records and bills (the cost of which can range from $15 to hundreds of dollars) from each hospital, ambulance company, doctor, chiropractor, radiologist, emergency room billing service, etc. Some medical providers require you to use their authorization forms. Some require you to agree to their using a photocopy service to copy your records at a higher cost. Some medical providers require one fee for your bills and another fee for your medical records.
Just obtaining all of your medical records and bills is one of the most time consuming aspects of handling personal injury cases. And, to make matters worse, you’re still not through with your medical providers. When your treatment is complete and you have all of your medical records and bills and the first settlement offer is made to you, you’ll need to call each of your medical providers or their billing offices again to learn if you have any balance owing (and you can expect to be on the phone repeatedly and for long periods of time to learn this information) and in many cases you will need to send them another authorization form before they’ll tell you this information.
You will need to obtain a copy of the police report. This is a much simpler process. Some police departments charge between $10 to $40 for a copy, while other departments provide them to you for free. You can pick it up at the police or CHP office yourself or request one by mail with an authorization form and a check for the proper fee.
You’ll also need to obtain your wage loss information on a wage loss form from your employer if you suffered any wage losses or had to use up valuable sick time, personal time, or vacation days.
You should obtain witness statements if there is any issue as to the liability of the other driver for the accident and you should take photos of the scene if there was something wrong with the road conditions or other unusual circumstances.
You will also need to obtain a number of good photographs of your car damage, copies of the vehicle repair bills and estimates and receipts for any items damaged in your vehicle.
Here’s a secret. In California you are entitled to the cost of a replacement child seat if one was in the accident. It’s automatic. Just tell the insurance company the make and model or find out the cost for the make and model child seat and the insurance company will send you a check for a new one, even if the old one wasn’t broken. Why? It’s in the California insurance code. The insurance companies, however, don’t volunteer this information. Why? They’re in business to make money, not pay it out.
Finally, when all your treatment is done, you will need to put together a demand package with a demand letter reviewing the facts of the accident and the negligence of the other driver that made him or her at fault, a summary of your injuries and medical treatment (from your medical records), an itemization of your medical bills, a discussion of your pain and suffering and how the injuries impacted your life, a discussion of your wage loss and how you determined the amount, and finally the amount of your demand and a time limit (40 days – the time allotted under the insurance code) for the insurance company to respond with their offer. The demand letter should be a minimum of four pages in length. Some of ours have been close to twenty pages. Accompanying the demand letter should be copies of all of your medical records and bills, color copies of the car damage photos, copies of the repair bills and estimates, any wage loss documentation and any other relevant items such as witness statements, etc.
If all of this is too much work for you to accomplish (and it is a lot when you are just trying to get better, get on with your life, raise a family and still go to work to put food on the table) you may want to hire our law firm to represent you.
The reason why, in most cases you will receive more, even after an attorney’s fees and costs are taken out, is that insurance companies offer much more to an attorney handling your case than when you are attempting to settle it yourself. In addition, an experienced and reputable lawyer can also obtain reductions from your health insurance company and from any medical providers with a balance with regards to what amount has to be paid back to them out of any settlement.
When you rely on the insurance company to pay your medical bills, and then simply pay you a skimpy amount on top, you are giving them the right to determine what bills they think were “reasonable” and to obtain any reductions in the bills to save themselves money. When an attorney obtains a reduction in your bills or your health insurance company lien, the amount the attorney saves increases the amount of your net settlement.
Keep in mind that as soon as you start negotiating your claim by yourself, it’s almost impossible for an attorney to persuade the insurance company to evaluate your case in the higher category type of claim. At our law firm, while we’ll take on a case that may be months old where the injured victim has simply been receiving medical treatment, we won’t take on the case in most cases if the victim has already received a bad offer from the insurance company. At that stage it’s usually too late for an attorney to make much of a difference.
Hopefully, this article has provided you with some insights as to how to obtain the maximum settlement from an insurance company for an auto, car, motorcycle, bicycle, pedestrian, truck, dog bite, or wrongful death claim. There is much more that an experienced attorney does, especially in the negotiation stage to maximize the settlement and this is where an attorney’s experience kicks in.
An attorney such as Sebastian Gibson who has been negotiating these cases with many of the same adjusters for decades, knows the tactics and negotiating style of them and their companies and knows how refute the talking points their insurance companies train their adjusters to use in negotiations.
What causes many attorneys to be unable to settle their cases and who then find themselves with no alternative but to file a lawsuit in court and face two to five years of litigation before the matter settles or goes to jury, is to get angry (some even scream and yell) with the adjuster, box themselves into a corner and tell the adjuster something along the lines of, “If that’s the best you can do, we’re filing suit.” The adjuster’s response to this is naturally, “go ahead.”
An insurance company doesn’t really care if they have to dump your case onto the case load of their attorneys who are already handling tens of thousands of such cases. One more case, makes no difference to them at all. They also know, you may give up or settle for even less when you learn from an attorney how much just the court costs will be. Just to file a lawsuit in most courts alone incurs a $350.00 or larger filing fee. Depositions can cost over a thousand dollars if they are lengthy. And all such court costs come out of your settlement, even if you have a contingency fee attorney handling your case.
Sadly, many of these same lawyers take this step or let their improperly trained staff members (secretaries and clerks) force the matter to such an impasse and then file suit without properly informing the client of the negotiations that took place and led them to that point.
If you are negotiating with an insurance company yourself, there’s no need to be unpleasant. Yes, you are probably going to hear that the insurance adjuster has evaluated your case to be worth much less than you think it’s worth. But you’re forgetting that, that’s just their first offer. Communicate with the adjuster. Tell them how the injuries affected your life and tell them what you still go through today with the pain you still have. You’ll be surprised how many adjusters will actually relate to what you tell them.
Unfortunately, just as there are bad attorneys out there, there are also some lousy insurance adjusters and insurance companies to deal with as well. They’re supposed to get back to you in 40 days with an offer after you present them with your demand package. Some take longer. Some will sound unpleasant, even snotty. And once they make their first offer, it can take weeks sometimes to reach the adjuster again to make your counter-offer. Sometimes the negotiations can take months. If you want to get the most you can for your case, you need to be patient. Your job, just as it is the job of your attorney, is to get these unpleasant insurance adjusters to warm up. I ask them how the weather is, how they’re doing, if their busy, anything to get them to open up to me. You’d be surprised how far a little kindness goes.
We wish you good luck and a speedy recovery from your injuries. You’ll find that your health, in many cases, will drastically improve, once you remove yourself from the stress of handling your case and resolve it either yourself or with the assistance of our law firm by way of settlement. If on the other hand, your case goes into litigation, as do the cases of many lawyers who don’t have the settlement experience or negotiating tools to settle their cases advantageously for their clients, your stress level will almost certainly rise.
The law firm of Sebastian Gibson handles personal injury cases in Lake Arrowhead, and throughout Southern and Central California and handle wrongful death cases throughout the state. To learn more about Sebastian Gibson and the other areas of law handled by the law firm, visit the Sebastian Gibson website.
We invite you to visit our website at http://www.sebastiangibsonlaw.com and call us if you’ve been seriously injured in a personal injury auto, motorcycle, car, truck, pedestrian, or bicycle accident, lost a loved one in a wrongful death or been injured in a dog bite or animal attack in Lake Arrowhead.
Gestern Nachmittag hat es uns nach Bielefeld verschlagen..
Da haben wir mit mit meiner Schwester
ein paar Weihnachtseinkäufe erledigt
Marc neu eingekleidet
und auf dem Weihnachtsmarkt die Feuerzangenbowle gekostet…
Leider war es ein sehr verregneter Nachmittag..
Klaus ist dann mit den Jungs nach Hause
und kaum war er auf der Autobahn fing das kräftig an zu hageln!
Vor ihm ist sogar ein Auto in die Leitplanke!
Gut, daß ich nicht dabei war – ich wäre wieder 1000 Tode gestorben…Zu der Zeit haben meine Schwester und ich uns auch ins Auto gesetzt,
es hagelte auch, aber nicht so schlimm…
Unser Ziel war erst das Diner und danach das Kino
Es lief natürlich: NEW MOON!
*seufz* war der wieder gut!
Ich würde sofort wieder reingehen!
Aber diesmal mit einem Taschentuch mehr,
ich war echt 2x am heulen!
So, und jetzt muß ich ganz dringend schauen,
wann es den auf DVD gibt
As an Anaheim Hills Truck Accident Attorney with millions of dollars in settlements and multiple million dollar, or larger settlements from over thirty years of experience in or around Anaheim Hills, other nearby cities and internationally, I know many of you are attempting to settle your own personal injury, dog bite and wrongful death cases by yourselves for the maximum and the biggest settlement you can to save the cost of an attorney.
In this article I’ll tell you the secrets of how attorneys negotiate for top dollar and I’ll also tell you why insurance companies lick their chops and rub their hands together with glee when individuals try to settle their claims without an attorney and why, in most cases, you’ll receive a larger, much greater amount in your pocket or in the trust fund you set up for any children injured in the accident, even after an attorney’s fee and costs if you hire a reputable and experienced personal injury attorney.
If you’ve been the victim of a car, motorcycle, bike, truck, pedestrian, bicycle, or auto accident, lost a loved one in a wrongful death or been the victim of a dog bite or animal attack, you can visit our website at http://www.sebastiangibsonlaw.com for more information and call us at any of the numbers easily found on our website.
First, you need to know that insurance companies evaluate cases two ways. As soon as you begin negotiating with the insurance company yourself, they evaluate your case, unfortunately, in terms of a nuisance value matter. They’ve settled tens or hundreds of thousands of cases with individuals before for paltry amounts and they will expect they can settle your case for a measly amount as well.
Why do they look at you as if you’re chopped meat? As soon as you tell them you are negotiating your own settlement, they know you’re trying to save money. To them, that means you may even be desperate. They also know you won’t be as knowledgeable about their tricks and tactics and like those tens or hundreds of thousands of people before you, they know how they can play you until you either become so frustrated you settle for their bad offer or become panicked that your time is running out.
The second way they evaluate a case, namely one presented by a lawyer, is an analysis of what the case’s true settlement value is based on the attorney’s skill and experience, how prepared the case is for litigation in the event it doesn’t settle, and the actual value of the injuries and associated pain and suffering, wage loss and other out of pocket expenses.
To settle your case for the largest amount possible, which may be the policy limits of the insurance policy, depending upon the severity of your injuries, you need to get the insurance adjuster to evaluate your case in the same manner they would as if an attorney were negotiating with them. While most insurance companies, unfortunately, simply won’t do that, here’s what you need to do to try to obtain the maximum settlement value.
First, you need to obtain all of your medical records and bills. You can’t rely on the insurance company to do this. As soon as you tell the insurance company you want them to do this or agree to having them do it and tell you how much your medical bills come to and what your medical records say, you are giving up control of the situation. I can’t stress this enough.
You will need to sign authorization forms to obtain your medical records and bills and pay the cost of obtaining those medical records and bills (the cost of which can range from $15 to hundreds of dollars) from each hospital, ambulance company, doctor, chiropractor, radiologist, emergency room billing service, etc. Some medical providers require you to use their authorization forms. Some require you to agree to their using a photocopy service to copy your records at a higher cost. Some medical providers require one fee for your bills and another fee for your medical records.
Just obtaining all of your medical records and bills is one of the most time consuming aspects of handling personal injury cases. And, to make matters worse, you’re still not through with your medical providers. When your treatment is complete and you have all of your medical records and bills and the first settlement offer is made to you, you’ll need to call each of your medical providers or their billing offices again to learn if you have any balance owing (and you can expect to be on the phone repeatedly and for long periods of time to learn this information) and in many cases you will need to send them another authorization form before they’ll tell you this information.
You will need to obtain a copy of the police report. This is a much simpler process. Some police departments charge between $10 to $40 for a copy, while other departments provide them to you for free. You can pick it up at the police or CHP office yourself or request one by mail with an authorization form and a check for the proper fee.
You’ll also need to obtain your wage loss information on a wage loss form from your employer if you suffered any wage losses or had to use up valuable sick time, personal time, or vacation days.
You should obtain witness statements if there is any issue as to the liability of the other driver for the accident and you should take photos of the scene if there was something wrong with the road conditions or other unusual circumstances.
You will also need to obtain a number of good photographs of your car damage, copies of the vehicle repair bills and estimates and receipts for any items damaged in your vehicle.
Here’s a secret. In California you are entitled to the cost of a replacement child seat if one was in the accident. It’s automatic. Just tell the insurance company the make and model or find out the cost for the make and model child seat and the insurance company will send you a check for a new one, even if the old one wasn’t broken. Why? It’s in the California insurance code. The insurance companies, however, don’t volunteer this information. Why? They’re in business to make money, not pay it out.
Finally, when all your treatment is done, you will need to put together a demand package with a demand letter reviewing the facts of the accident and the negligence of the other driver that made him or her at fault, a summary of your injuries and medical treatment (from your medical records), an itemization of your medical bills, a discussion of your pain and suffering and how the injuries impacted your life, a discussion of your wage loss and how you determined the amount, and finally the amount of your demand and a time limit (40 days – the time allotted under the insurance code) for the insurance company to respond with their offer. The demand letter should be a minimum of four pages in length. Some of ours have been close to twenty pages. Accompanying the demand letter should be copies of all of your medical records and bills, color copies of the car damage photos, copies of the repair bills and estimates, any wage loss documentation and any other relevant items such as witness statements, etc.
If all of this is too much work for you to accomplish (and it is a lot when you are just trying to get better, get on with your life, raise a family and still go to work to put food on the table) you may want to hire our law firm to represent you.
The reason why, in most cases you will receive more, even after an attorney’s fees and costs are taken out, is that insurance companies offer much more to an attorney handling your case than when you are attempting to settle it yourself. In addition, an experienced and reputable lawyer can also obtain reductions from your health insurance company and from any medical providers with a balance with regards to what amount has to be paid back to them out of any settlement.
When you rely on the insurance company to pay your medical bills, and then simply pay you a skimpy amount on top, you are giving them the right to determine what bills they think were “reasonable” and to obtain any reductions in the bills to save themselves money. When an attorney obtains a reduction in your bills or your health insurance company lien, the amount the attorney saves increases the amount of your net settlement.
Keep in mind that as soon as you start negotiating your claim by yourself, it’s almost impossible for an attorney to persuade the insurance company to evaluate your case in the higher category type of claim. At our law firm, while we’ll take on a case that may be months old where the injured victim has simply been receiving medical treatment, we won’t take on the case in most cases if the victim has already received a bad offer from the insurance company. At that stage it’s usually too late for an attorney to make much of a difference.
Hopefully, this article has provided you with some insights as to how to obtain the maximum settlement from an insurance company for an auto, car, motorcycle, bicycle, pedestrian, truck, dog bite, or wrongful death claim. There is much more that an experienced attorney does, especially in the negotiation stage to maximize the settlement and this is where an attorney’s experience kicks in.
An attorney such as Sebastian Gibson who has been negotiating these cases with many of the same adjusters for decades, knows the tactics and negotiating style of them and their companies and knows how refute the talking points their insurance companies train their adjusters to use in negotiations.
What causes many attorneys to be unable to settle their cases and who then find themselves with no alternative but to file a lawsuit in court and face two to five years of litigation before the matter settles or goes to jury, is to get angry (some even scream and yell) with the adjuster, box themselves into a corner and tell the adjuster something along the lines of, “If that’s the best you can do, we’re filing suit.” The adjuster’s response to this is naturally, “go ahead.”
An insurance company doesn’t really care if they have to dump your case onto the case load of their attorneys who are already handling tens of thousands of such cases. One more case, makes no difference to them at all. They also know, you may give up or settle for even less when you learn from an attorney how much just the court costs will be. Just to file a lawsuit in most courts alone incurs a $350.00 or larger filing fee. Depositions can cost over a thousand dollars if they are lengthy. And all such court costs come out of your settlement, even if you have a contingency fee attorney handling your case.
Sadly, many of these same lawyers take this step or let their improperly trained staff members (secretaries and clerks) force the matter to such an impasse and then file suit without properly informing the client of the negotiations that took place and led them to that point.
If you are negotiating with an insurance company yourself, there’s no need to be unpleasant. Yes, you are probably going to hear that the insurance adjuster has evaluated your case to be worth much less than you think it’s worth. But you’re forgetting that, that’s just their first offer. Communicate with the adjuster. Tell them how the injuries affected your life and tell them what you still go through today with the pain you still have. You’ll be surprised how many adjusters will actually relate to what you tell them.
Unfortunately, just as there are bad attorneys out there, there are also some lousy insurance adjusters and insurance companies to deal with as well. They’re supposed to get back to you in 40 days with an offer after you present them with your demand package. Some take longer. Some will sound unpleasant, even snotty. And once they make their first offer, it can take weeks sometimes to reach the adjuster again to make your counter-offer. Sometimes the negotiations can take months. If you want to get the most you can for your case, you need to be patient. Your job, just as it is the job of your attorney, is to get these unpleasant insurance adjusters to warm up. I ask them how the weather is, how they’re doing, if their busy, anything to get them to open up to me. You’d be surprised how far a little kindness goes.
We wish you good luck and a speedy recovery from your injuries. You’ll find that your health, in many cases, will drastically improve, once you remove yourself from the stress of handling your case and resolve it either yourself or with the assistance of our law firm by way of settlement. If on the other hand, your case goes into litigation, as do the cases of many lawyers who don’t have the settlement experience or negotiating tools to settle their cases advantageously for their clients, your stress level will almost certainly rise.
The law firm of Sebastian Gibson handles personal injury cases in Anaheim Hills, and throughout Southern and Central California and handle wrongful death cases throughout the state. To learn more about Sebastian Gibson and the other areas of law handled by the law firm, visit the Sebastian Gibson website.
We invite you to visit our website at http://www.sebastiangibsonlaw.com and call us if you’ve been seriously injured in a personal injury auto, motorcycle, car, truck, pedestrian, or bicycle accident, lost a loved one in a wrongful death or been injured in a dog bite or animal attack in Anaheim Hills.
As a San Marcos Wrongful Death Attorney with millions of dollars in settlements and multiple million dollar or larger settlements from over thirty years of experience in or around San Marcos, other nearby cities and internationally, I know many of you are attempting to settle your own personal injury, dog bite and wrongful death cases by yourselves for the maximum and the biggest settlement you can to save the cost of an attorney.
In this article I’ll tell you the secrets of how attorneys negotiate for top dollar and I’ll also tell you why insurance companies lick their chops and rub their hands together with glee when individuals try to settle their claims without an attorney and why, in most cases, you’ll receive a larger, much greater amount in your pocket or in the trust fund you set up for any children injured in the accident, even after an attorney’s fee and costs if you hire a reputable and experienced personal injury attorney.
If you’ve been the victim of a car, motorcycle, bike, truck, pedestrian, bicycle, or auto accident, lost a loved one in a wrongful death or been the victim of a dog bite or animal attack, you can visit our website at http://www.sebastiangibsonlaw.com for more information and call us at any of the numbers easily found on our website.
First, you need to know that insurance companies evaluate cases two ways. As soon as you begin negotiating with the insurance company yourself, they evaluate your case, unfortunately, in terms of a nuisance value matter. They’ve settled tens or hundreds of thousands of cases with individuals before for paltry amounts and they will expect they can settle your case for a measly amount as well.
Why do they look at you as if you’re chopped meat? As soon as you tell them you are negotiating your own settlement, they know you’re trying to save money. To them, that means you may even be desperate. They also know you won’t be as knowledgeable about their tricks and tactics and like those tens or hundreds of thousands of people before you, they know how they can play you until you either become so frustrated you settle for their bad offer or become panicked that your time is running out.
The second way they evaluate a case, namely one presented by a lawyer, is an analysis of what the case’s true settlement value is based on the attorney’s skill and experience, how prepared the case is for litigation in the event it doesn’t settle, and the actual value of the injuries and associated pain and suffering, wage loss and other out of pocket expenses.
To settle your case for the largest amount possible, which may be the policy limits of the insurance policy, depending upon the severity of your injuries, you need to get the insurance adjuster to evaluate your case in the same manner they would as if an attorney were negotiating with them. While most insurance companies, unfortunately, simply won’t do that, here’s what you need to do to try to obtain the maximum settlement value.
First, you need to obtain all of your medical records and bills. You can’t rely on the insurance company to do this. As soon as you tell the insurance company you want them to do this or agree to having them do it and tell you how much your medical bills come to and what your medical records say, you are giving up control of the situation. I can’t stress this enough.
You will need to sign authorization forms to obtain your medical records and bills and pay the cost of obtaining those medical records and bills (the cost of which can range from $15 to hundreds of dollars) from each hospital, ambulance company, doctor, chiropractor, radiologist, emergency room billing service, etc. Some medical providers require you to use their authorization forms. Some require you to agree to their using a photocopy service to copy your records at a higher cost. Some medical providers require one fee for your bills and another fee for your medical records.
Just obtaining all of your medical records and bills is one of the most time consuming aspects of handling personal injury cases. And, to make matters worse, you’re still not through with your medical providers. When your treatment is complete and you have all of your medical records and bills and the first settlement offer is made to you, you’ll need to call each of your medical providers or their billing offices again to learn if you have any balance owing (and you can expect to be on the phone repeatedly and for long periods of time to learn this information) and in many cases you will need to send them another authorization form before they’ll tell you this information.
You will need to obtain a copy of the police report. This is a much simpler process. Some police departments charge between $10 to $40 for a copy, while other departments provide them to you for free. You can pick it up at the police or CHP office yourself or request one by mail with an authorization form and a check for the proper fee.
You’ll also need to obtain your wage loss information on a wage loss form from your employer if you suffered any wage losses or had to use up valuable sick time, personal time, or vacation days.
You should obtain witness statements if there is any issue as to the liability of the other driver for the accident and you should take photos of the scene if there was something wrong with the road conditions or other unusual circumstances.
You will also need to obtain a number of good photographs of your car damage, copies of the vehicle repair bills and estimates and receipts for any items damaged in your vehicle.
Here’s a secret. In California you are entitled to the cost of a replacement child seat if one was in the accident. It’s automatic. Just tell the insurance company the make and model or find out the cost for the make and model child seat and the insurance company will send you a check for a new one, even if the old one wasn’t broken. Why? It’s in the California insurance code. The insurance companies, however, don’t volunteer this information. Why? They’re in business to make money, not pay it out.
Finally, when all your treatment is done, you will need to put together a demand package with a demand letter reviewing the facts of the accident and the negligence of the other driver that made him or her at fault, a summary of your injuries and medical treatment (from your medical records), an itemization of your medical bills, a discussion of your pain and suffering and how the injuries impacted your life, a discussion of your wage loss and how you determined the amount, and finally the amount of your demand and a time limit (40 days – the time allotted under the insurance code) for the insurance company to respond with their offer. The demand letter should be a minimum of four pages in length. Some of ours have been close to twenty pages. Accompanying the demand letter should be copies of all of your medical records and bills, color copies of the car damage photos, copies of the repair bills and estimates, any wage loss documentation and any other relevant items such as witness statements, etc.
If all of this is too much work for you to accomplish (and it is a lot when you are just trying to get better, get on with your life, raise a family and still go to work to put food on the table) you may want to hire our law firm to represent you.
The reason why, in most cases you will receive more, even after an attorney’s fees and costs are taken out, is that insurance companies offer much more to an attorney handling your case than when you are attempting to settle it yourself. In addition, an experienced and reputable lawyer can also obtain reductions from your health insurance company and from any medical providers with a balance with regards to what amount has to be paid back to them out of any settlement.
When you rely on the insurance company to pay your medical bills, and then simply pay you a skimpy amount on top, you are giving them the right to determine what bills they think were “reasonable” and to obtain any reductions in the bills to save themselves money. When an attorney obtains a reduction in your bills or your health insurance company lien, the amount the attorney saves increases the amount of your net settlement.
Keep in mind that as soon as you start negotiating your claim by yourself, it’s almost impossible for an attorney to persuade the insurance company to evaluate your case in the higher category type of claim. At our law firm, while we’ll take on a case that may be months old where the injured victim has simply been receiving medical treatment, we won’t take on the case in most cases if the victim has already received a bad offer from the insurance company. At that stage it’s usually too late for an attorney to make much of a difference.
Hopefully, this article has provided you with some insights as to how to obtain the maximum settlement from an insurance company for an auto, car, motorcycle, bicycle, pedestrian, truck, dog bite, or wrongful death claim. There is much more that an experienced attorney does, especially in the negotiation stage to maximize the settlement and this is where an attorney’s experience kicks in.
An attorney such as Sebastian Gibson who has been negotiating these cases with many of the same adjusters for decades, knows the tactics and negotiating style of them and their companies and knows how refute the talking points their insurance companies train their adjusters to use in negotiations.
What causes many attorneys to be unable to settle their cases and who then find themselves with no alternative but to file a lawsuit in court and face two to five years of litigation before the matter settles or goes to jury, is to get angry (some even scream and yell) with the adjuster, box themselves into a corner and tell the adjuster something along the lines of, “If that’s the best you can do, we’re filing suit.” The adjuster’s response to this is naturally, “go ahead.”
An insurance company doesn’t really care if they have to dump your case onto the case load of their attorneys who are already handling tens of thousands of such cases. One more case, makes no difference to them at all. They also know, you may give up or settle for even less when you learn from an attorney how much just the court costs will be. Just to file a lawsuit in most courts alone incurs a $350.00 or larger filing fee. Depositions can cost over a thousand dollars if they are lengthy. And all such court costs come out of your settlement, even if you have a contingency fee attorney handling your case.
Sadly, many of these same lawyers take this step or let their improperly trained staff members (secretaries and clerks) force the matter to such an impasse and then file suit without properly informing the client of the negotiations that took place and led them to that point.
If you are negotiating with an insurance company yourself, there’s no need to be unpleasant. Yes, you are probably going to hear that the insurance adjuster has evaluated your case to be worth much less than you think it’s worth. But you’re forgetting that, that’s just their first offer. Communicate with the adjuster. Tell them how the injuries affected your life and tell them what you still go through today with the pain you still have. You’ll be surprised how many adjusters will actually relate to what you tell them.
Unfortunately, just as there are bad attorneys out there, there are also some lousy insurance adjusters and insurance companies to deal with as well. They’re supposed to get back to you in 40 days with an offer after you present them with your demand package. Some take longer. Some will sound unpleasant, even snotty. And once they make their first offer, it can take weeks sometimes to reach the adjuster again to make your counter-offer. Sometimes the negotiations can take months. If you want to get the most you can for your case, you need to be patient. Your job, just as it is the job of your attorney, is to get these unpleasant insurance adjusters to warm up. I ask them how the weather is, how they’re doing, if their busy, anything to get them to open up to me. You’d be surprised how far a little kindness goes.
We wish you good luck and a speedy recovery from your injuries. You’ll find that your health, in many cases, will drastically improve, once you remove yourself from the stress of handling your case and resolve it either yourself or with the assistance of our law firm by way of settlement. If on the other hand, your case goes into litigation, as do the cases of many lawyers who don’t have the settlement experience or negotiating tools to settle their cases advantageously for their clients, your stress level will almost certainly rise.
The law firm of Sebastian Gibson handles personal injury cases in San Marcos, and throughout Southern and Central California and handle wrongful death cases throughout the state. To learn more about Sebastian Gibson and the other areas of law handled by the law firm, visit the Sebastian Gibson website.
We invite you to visit our website at http://www.sebastiangibsonlaw.com and call us if you’ve been seriously injured in a personal injury auto, motorcycle, car, truck, pedestrian, or bicycle accident, lost a loved one in a wrongful death or been injured in a dog bite or animal attack in San Marcos.
George Buhnici dă pe blogul lui printre altele sfaturi de cumpărare maşini 2nd hand din Germania, ceea ce este foarte bine. Ceea ce mă miră însă este apetitul românilor pentru rable.
În articolul din linkul de mai sus, un domn vrea să cumpere o maşină de 220.000 km. Enorm. La o asemenea “vârstă” o maşină e o groapă în care arunci bani. Piesele sunt uzate, motorul nu mai are aceeaşi putere ca la una cu km mai puţini, iar norma de poluare înscrisă în talon nu mai e respectată. Piesele din cauciuc sunt îmbătrânite, iar în cele metalice, oţelul din care sunt confecţionate suferă fenomenul de obosire (asta e o denumire tehnică pe bune, nu o figură de stil), care se manfiestă prin microfisuri datorate solicitărilor dinamice repetate, microfisuri invizibile cu ochiul liber, dar care pot duce oricând la cedare (rupere).
Toţi amatorii de maşini “vârstnice” trebuie să ştie că nemţii nu vând maşinile pentru că s-au plictisit de ele, ci pentru că nu mai sunt eficiente. Din cauza asta preferă Dacii, care, deşi mai slabe calitativ, au costuri mai mici de întreţinere.
Având în vedere nesimţirea dealerilor, maşina second hand rămâne clar alegerea mai bună. Însă când zic second hand, mă gândesc sub 50.000 km. De exemplu, un Polo mai nou cu o cutie de bagaje deasupra (pe care oricum o foloseşti de 3 ori pe an) este o alegere mai bună decât un Passat călărit cu peste 150.000 km.
An Xbox360 ‘Arcade’ (White), and ‘Elite’ (Black)
Grand Theft Auto 4 (PS3) Cover
Beatles Rock Band Cover (Wii)
The Nintendo Wii Box
picture of 2010-mitsubishi-lancer-mr-limited-auto-car c 1280×853
