Several key changes are necessary to get control of the costs associated with the run away health care system in the United States.Here are just a few suggestions:1) Cost information about medical procedures and cost comparisons to alternative treatments need to be more easily available so that consumers can make better educated health care choices.2) Outcomes and outcome comparisons of alternative medical procedures need to be more available so that health care consumers can make more informed decisions.3) Consumers need to take more responsibility for their health, health care treatment, and research the cost and outcomes of certain procedures prior to electing medical care.4) Federal and state governments need to quit passing unfunded mandates that mostly add to the cost of care while reducing overall access to care.5) Frivolous lawsuits and the threat of frivolous lawsuits cause doctors to practice defensive medicine in order to reduce the chance of being sued. The resulting tests are many times “overkill” and simply do nothing but increase the cost of care.6) Consumers need to let their physicians guide them on the most appropriate treatment regimen. Drug companies have been successful in creating a demand for their products by convincing consumers to “ask your doctor about…” We need to get back to discussing our problems with our physicians rather than requesting a particular drug or treatment.
The(ACV)Actual Cash Value Policy DOES NOT insure the property itself but the VALUE of the property.Okay let’s say the insurance company chooses to “Repair” their insureds damaged property (as is their option within their contract of insurance). HOWEVER, such an election DOES NOT relieve them of their contractual duty to restore the Pre-Loss VALUE of the motor vehicle.To whatever extent such repair’s fail to restore that motor vehicles Pre-Loss VALUE , should be tendered to the policyholder in cash – - and failure to do so is nothing less than insurer fraud! (AND YET, the majority of them will NEVER restore the car to its Pre-Loss VALUE and when you ask them for cash they’ll laugh out loud at your “Foolishness”)!Items are all too often repaired improperly or overlooked completely.Several of these typical repair-related items could be: Poor quality repairs, improper welding, or flawed refinish operations.”Diminished Value” is clearly owed and if a vehicle has not been brought back to it’s pre-accident function, appearance, safety, and value. QUESTION: “How often is this done?” ANSWER: ” If they can get away with it – - Never!”THERE ARE THREE BASIC TYPES OF DIMINISHED VALUE#1. “Inherent Diminished Value”: This is the automatic and unavoidable loss of market value simply due to the fact than a motor vehicle has been involved in an accident. It many cases it’s mandatory that previous damage is made known to a prospective buyer. QUESTION: “Is a prospective buyer told that the motor vehicle has been in an accident?” ANSWER: “NO!”#2. “Insurance Related Diminished Value”: This comes to pass due to oversights and/or omissions by the insurance company on their appraisal. And also, because of the use of “Imitation Replacement” parts. QUESTION: “Is ANYBODY ever made aware of this?” ANSWER: “No, Dan Baldyga was in the business of Insurance Claims for 35 years, and I NEVER knew anybody who was made warned of that!”#3. “Repair Related Diminished Value”: This is the amount which the motor vehicle was depreciated due to improper or incomplete repairs, poor quality repairs, and/or un-repaired items that were compensated for within the insurance appraisal. QUESTION: “Is the insured or the person who is about to buy that car told this?” ANSWER: “You’ve got to be kidding!”Auto repair shops (even the most advanced) do not have access to the type of equipment and it’s IMPOSSIBLE for them to afford such technology that a manufacturer can. And, that being the provable case, you’re not going to be returned your car in the absolutely perfect value it was when it came off the assembly line!It’s a fact of life that should a potential buyer discover the motor vehicle one is about to buy has been in an accident that it’s going to be worth less money. Because of that almost every damaged motor vehicle will have some possible inherent “Diminished Value” which can evolve into an actual loss to the consumer. This loss is owed by the insurer (due to their alleged promise in which they’ve implied to their insured within the confines of their insurance contact with them) that would be made “Whole”.PLUS THERE ARE MANY OTHER “REPAIR PROBLEMS”. (The following are 4 of the most potential of them bubbling and boiling under the surface):#1. Most consumer’s don’t know what kind of parts they’re getting. They assume their motor vehicle will be restored to its pre-crash condition.#2. Too often the “Imitation Parts” don’t match the car’s contours leaving an all too often impossible mess to correct.#3. When it comes to fenders there are “Fit Problems”. Some require widening the holes or using shims. Many don’t match the contour of the car and require significant reworking.#4. Replacement bumpers often need to be re-drilled or widened leaving large gaps or uneven surfaces.DISCLAIMER: The only purpose of this article “YOUR CARS AFTER-IMPACT DIMINISHED VALUE” is to help people to understand the motor vehicle accident claim process. Dan Baldyga makes any kind of guarantee of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, claims adjuster, or the like. Where such professional help is desired IT IS THE INDIVIDUAL’S RESPONSIBILITY to obtain said services.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.caraccidentclaims.com or 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). THE BASE FORMULA explains how to determine the value of the “Pain and Suffering” you endured – - because of your personal injury.Copyright (c) 2005 By Daniel G. Baldyga. All Rights ReservedDan Baldyga – Authordbpaw@comcast.nethttp://www.autoaccidentclaims.com orhttpf://www.caraccidentclaims.com
Here comes the insurance adjuster. Is he overly friendly? If so, watch out! It’s OK to be hospitable. Be good-tempered and cordial – - but beware! Never forget he’s paid to save his company as much money as he can. That’s the name of his game.DON’T SIGN ANYTHING: Don’t overestimate the good will of the adjuster. They’re trained to investigate accident cases in such a way, if at all possible, to make their insured look good. Many unsuspecting individuals fall prey to the adjuster who seeks to protect his company’s pocketbook at the expense of a legitimate claimant.If a company calls you and suggests they take your statement over the telephone, tell them you would prefer to meet with an adjuster. Don’t agree to dictate a verbal statement into a tape recorder over the phone, and certainly not when you’re in the presence of an adjuster. Don’t sign a statement when you meet with him. Whatever the circumstance may be, advise whomever you’re dealing with that you’ll be more than willing to provide a signed statement, after your claim has been settled.HOW TO PROCEED WITH THE ADJUSTER: Be pleasant, but firm. No matter how much in the wrong the person is that hit you, no matter how they acted at the scene of the accident, and no matter what they may have verbalized to or at you, don’t take it out on the adjuster. It’s not the adjuster’s fault if his insured is an idiot.You must never underestimate the importance of the adjuster’s impressions and conclusions, all of which go into your file. What he feels and reports about you have a great influence on the final disposition of your claim. If he likes you that’s money in the bank. On the other hand, if he gets upset with you he has the ability to twist the facts to make you look bad. Once that’s been done, it will be set in cement, go into your file and, without you’re ever being aware of it and haunt you to the last dollar of your settlement.THE ADJUSTERS CLAIM LOAD: The job performance of insurance adjusters is judged not only on how little of the company’s money they spend in settlements, but also on how quickly they settle the claims assigned to them. They’re constantly under pressure to settle your claim; to get rid of it and move on. The adjuster will never tell you, but the weight of their caseload comes down on your side of the scale. It’s an advantage people are never aware of.THE ADJUSTERS SETTLEMENT AUTHORITY: The Adjuster’s authority to settle claims on their own is restricted on how much experience they have. For a less experienced adjuster, perhaps $5,000 to $10,000, but for a more experienced adjuster, their settlement authority may go as high as $20,000. When bigger bucks are involved they usually have to be given permission to settle the case from their immediate supervisor.THE BOTTOM LINE: Don’t let a sweet talking insurance adjuster manipulate you into feeling good about your relationship with him and the eventual outcome of your claim. In the vast majority of instances that’s not the way you should play the game because if provided with the opportunity, they’ll almost always take advantage of you. That’s a fact of life. Know and understand that they’re only doing their job. Their assignment is to save money for the company who signs their paychecks – - no matter what it takes.If you have a legitimate claim stay cool and understand what you’re up against. Don’t be impossible to deal with, but remain steady. Remember that the adjuster wants to look good to his company. He doesn’t want your claim to end up in court, plus he wants to reduce his caseload. Be patient. At the end of the day, after the dust has settled, he’ll be forced to do the right thing.DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor (name of magazine/newsletter and/or web site) 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 or visit your favoite bookstore.Copyright (c) 2002 Daniel G. Baldyga. All rights reserved.Dan Baldyga