I have a personal injury claim on-going after an accident,i am 29 and i have get injections in my knee twice a year until i am 50-55 and then will need a knee-replacement.
I am 29yrs old.
thanks for any information.
The injections cost £1200 a year.

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Chances are if you’ve been involved in a car accident then the first thing you usually want to do is to call your cars insurers to notify them of the accident and to claim for damages. But wait don’t take any action yet, before you do so read the following article that may help you avoid saying and doing certain things following an accident both at the scene and also later on to the insurance company that could potentially cause you a lot more stress and potentially affect you financially later. These tips may help you get the most out of any car accident damage and personal injury claim.

#1 Admit anthing at the scene

Obviously any car accident can be traumatic and if the other driver is intimidating you and trying to blame you when they are at fault, then try to remain as calm as possible and not be drawn into who was at fault at the scene. When feeling threatened or intimidated, you might say something to the other driver that could upset them further and then cause them to harm you physically or perhaps they could use your comments to claim that you admitted liability, when you actually you felt bullied into saying the wrong thing.

#2 “It looks like..” or “I believe that…”

When getting round to calling your car insurance company to make a statement about the accident always keep to the facts as it may affect your believability. It quite easy if calling when still in the immediate after effects of an accident and whilst in trauma to make a mistake at this point especially if the accident is not a clear cut case of is who was at fault and to blame. Let the insurance prove and decide liability. Things like speed lane disciplines and road conditions may be a few key factors assessed, but always be truthful and don’t give unnecessary information that you may not be sure about.

#3 “I was at fault..”

Don’t speculate over the fact that you think you may be at fault or admit that you are at fault. Sometimes the other driver or other third party may have been at least partly liable, many people can be left a little unclear on who was to blame in some complex motoring accident situations as thankfully it’s not every day we find ourselves in such a position. By admitting liability on the phone to your insurer could affect you. You might believe you are at fault, but don’t say so – simply let the insurers decide based upon the facts. Anything said will be noted, so only keep to the facts!

#4 “I have no injuries. I am fine”

By telling your insurance company this directly after the accident could really affect you financially if later you find that you begin to notice symptoms such as whiplash which may be evident after a day or so. For example at work a week or so later you suddenly feel pain that may be related to the car impact but you have informed your insurer that you are fine, in these situations if your insurer has written to the third party telling them you have no injury you will be on the back foot straight away as already you’ve told them you are fine. If asked the question, it would better to explain that you are intending to visit your GP to get yourself fully checked and get proper medical evidence.

#5 “I have whiplash injury..”

Firstly don’t ever say this unless you have it; insurance costs are rising all the time and in one major case recently in the UK a man had over ninety accidents staged for friends to make whiplash claims on the same traffic island! He was eventually caught up with and dealt with by the police. On the other hand if you genuinely have whiplash injury go and see your doctor so that it is registered on your medical records and then do not pursue an injury claim through your insurance company for two reasons:

a) A little trick that some insurance companies are now beginning to implement involves the third parties insurers writing to you literally within days saying that you don’t need to see a solicitor to make a claim and that they will make you an offer to compensate you for injury; they will offer to give you some compensation. They claim it is much easier to just take the settlement on offer from them. Why? Well, because it will cost them less and you will most likely lose out in lost compensation! Whilst this may seem tempting, the huge drawback here in accepting these kinds of offers is that in doing so you don’t know if what is being offered is reasonable and an amount that would be in line with your injuries and appropriate for your circumstances; you are more than likely not an expert car accident solicitor, just an innocent injured victim! You simply won’t know what you are entitled to. The third parties insurers at this point will not have gleaned any expert independent medical evidence in making you this offer and will have not considered any long term injury that you could potentially have or suffer from in the future. You guessed it its better for the insurers not you! You could be left suffering and once the claim has been settled it will be far too late if you have future problems.

b) Some people may simply want to use their car insurance company as they feel it might be a lot less hassle by instructing them to handle this for them, but again this could cost you money as despite the fact that road casualties actually came down in the UK by 8% in 2009, personal injury claim cases are on the rise and insurers as explained earlier are in the business of making profit. Do they really want to help you maximize your compensation.? Your car insurance will have contracts with certain solicitors and they will sell your claim to the highest bidder. Who knows if these solicitors only specialize in accident claims? Its better to do this part yourself and check out companies specialize in accident claims. You need to choose a car accident compensation claim company that offers to help you win compensation without deductions or no hidden admin fee’s.

Author SIG – Resource Box
Author: Ian Bedford

The Accident Claim Company are personal injury claim specialists, who ensure you keep 100% of any accident compensation awarded for car and other road accident injuries, whether as a passenger, driver or pedestrian. call: 0800 542 2858 or visit out website for further details and get your claim started today.

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26% of all drivers were involved in a car accident over the last five years. When it happens to you, you must be prepared. Chiropractors in San Diego are revealing the shocking findings. Knowing what to do after a car accident is almost as important as knowing what to do during one.

If you haven’t noticed by now, money buys policy and makes the laws in this country. The more money big business throws at politicians, the more rules are shifted in their favor. Take New Jersey for example in the following. They actually have a policy called pay for play. It is actually accepted for contractors to be awarded large contracts based on the size of their political contributions to political campaigns.

Here are some important statistics. There are approximately 6.4 million car accidents each year. There are about 3 million car-related injuries a year and 2 million permanent injuries. Nearly 43,000 people died in car accidents in 2002, reports the U.S. Department of Transportation’s National Highway Traffic Safety Administration. And finally, about 26% of drivers have been involved in a car crash in the last 5 years. Insurance companies have been playing a game of pay for play for a long time. The big difference is when contractors in New Jersey are awarded jobs as political favors, it takes money out of the pocket of someone who really deserves it. When insurance companies play this game, lives are ruined. This especially occurs when it involves car accident injuries.

Many people are involved in accidents. Almost all Americans will be involved in at least one car accident at some time in their life. So what do insurance companies do with all these accidents and injuries they don’t want to pay for in the long run? Besides political lobbying, they fund research and fight every single claim to go in their favor.

Dr. Arthur Croft is one of the world’s leading experts on whiplash and car accident injuries. Here’s what he says about the situation: So it seems quite clear that the playing field is not level. It’s the Fortune 500 against the doctors and their patients, and the score is about 3-1. They send the principles of this work as expert witnesses to refute injury in low-speed impact cases. The companies carefully forbid the publishing of any work that fails to serve their interest, thus denying any fair peer-review from within the scientific community. This juggernaut of non-science has inculcated the legal world by spending literally billions of dollars fighting even relatively insignificant claims. They seem finally to have impressed attorneys that it simply is not worth their effort to pursue such claims. The insurance industry has funded their own research.

Many times injuries and pain are not apparent at the time of the accident. Some injuries are even missed by emergency room technicians who are wonderful at spotting breaks and cuts, but don’t understand this type of hidden injury that may take weeks, months or even years to show symptoms. Insurance companies use their own faulty information to deny claims and refuse paying for your treatment. The fact of the matter is that low-impact car accident injuries are largely misunderstood by many.

Another big myth presented by insurance companies is if you don’t have damage to your car than you can’t be injured. This is just not true. The amount of damage to your car doesn’t accurately reflect the amount of injury to the person inside the car or the passengers inside the car. Studies show that injuries can occur at impact speeds of less than five miles per hour. This can occur when there is little or no damage to the car. For example, when race cars crash, they are specifically designed to easily break apart, and the driver usually walks away alive. This is because as the race car breaks apart, the energy is being absorbed by the parts of the car and not by the driver.

The cars of today are built to absorb low speed impacts without significant damage to the bumper. This creates a problem. The problem is that instead of damaging your car, the energy of impact is transmitted to the person in the automobile. This is similar to the energy from one pool ball is transferred to another upon impact. This is simple physics which is completely ignored by profit minded insurance companies. This proves you can actually be injured worse when your car has no damage then when it flies into a million pieces.

Most people don’t realize even though they walk away from a minor car accident “without a scratch” there is a good chance, if left untreated; it is very likely they could develop a more serious problem later in life. This will cause a lot of ache and anguish. So, if you get in a little “fender bender”, how do you know if you are hurt? What must you do? Simply put, whiplash is when your vehicle gets struck and your body moves quicker than your head can react. Your muscles, ligaments, discs, nerves and spinal joints get stretched out and hurt. From time to time some of these neck structures are actually torn. A lot of times these injuries are not felt for hours or days. Other times your body reacts right away. Muscles form a protective cast around the injured area by tightening up and going into spasm. This spasm acts as a protective “cast” so you don’t shift your neck too much and make the injury worse. Spasm also removes the standard curve in your neck and can lead to permanent arthritic changes if left untreated.

If the curves of the neck are not restored and proper motion is not brought back to the area, there is a chance of chronic neck and back pain. Advanced chiropractic care is extremely important for the care of whiplash injuries because it helps restore the spinal curves and normalize motion in the injured area.

In 1999, the Journal of Orthopedic Medicine published the results of a study designed to determine if chiropractic care helped chronic whiplash. 100 patients were divided into three groups and treated on average for four months. The authors of the study concluded, “The results from this study provide further evidence that Chiropractic is an effective treatment for chronic whiplash symptoms.” Studies prove time and time again that chiropractic works for chronic whiplash Injuries!

If you have been injured in an auto accident in San Diego, visit New Century Spine Centers to get your spine evaluated. It is important to note that there is a good chance you have been injured in a car accident and should have a complete chiropractic examination, even if there is no damage to your car and you don’t have any immediate pain or symptoms. If you don’t, you may be setting yourself up for constant pain and suffering.

Want to find out more about car accident injuries, then visit New Century Spine Centers site on how to choose the best chiropractor for your needs.

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How To Best Compare Car Insurance

It has become a difficult task to compare car insurance and come up with the right decision. There are now too many Insurers with different types of cover, that, the best way to handle this is to pinpoint the risk areas for comparison. Here’s the usually hidden risks you need to carefully assess before signing up.

Types of insurance system: Depending on which State you are looking at, there is a specific insurance system in operation. These are the Tort and the No fault options. The No-fault system, however, is more popular among the States. This system has a requirement for the Insurer to look after your claims, up to a stated limit. This is regardless of who would have caused the accident.

In the case of the Tort system, medical attention, where an accident occurs, will be your personal expenses. You can get reimbursed from the Insurer of the at-fault driver is your entitlement for claims. Such a claim, however, is subject to your ability to prove that such medical expenses were necessary, and are a direct result of the accident. The at-fault driver cannot make any claims nor is able to recover any medical expenses made in respect of injuries sustained.

Cover for personal injury: Does a proposed insurance protect your personal injury? You should take a cover for both medical and any funeral expenses for your self and family, should any of you become a victim. This is more so, if there is no health or life insurance current for you and family.

Teens and single males protection: While this area of insurance is vitally important for you and family, yet you will find it more expensive than your personal insurance. Insurers look take these areas of coverage as high risk areas. Young adults who are 25 years or less have varying premiums.

For those who are married males, less risks are envisaged compared to single males. Hence, the single males pay higher premiums than the married males. Female young adults are considered of less risk, and would pay lower premiums. You can Insure teenagers as occasional drivers, thereby lowering the premiums.

Uninsured protection: This type of insurance provides cover for an uninsured Driver. It becomes so valuable in the event of an accident. This is a requirement in many of the States. Other circumstances that are covered here includes, the case of a driver if the car was stolen, as well as drivers in hit-and-run accidents. You would need as much protection as possible from under-insured and uninsured covers. This option is a high plus, when comparing and choosing insurance covers.

Online shopping: For a quick and easy way to make comparison, get online and secure an Insurance Broker. You do not have to book up an appointment with an agent or visit one, in order to have options on your table to choose from.

You should be requesting for Auto insurance quotes every 6-12 months period. You will be surprised at how much savings you will start making. Getting these free quotes simply opens you up to a world of possibilities in constantly lowering your premiums.

As you compare Car Insurance quotes, keep your eyes on the secret risk-areas. You will be amazed at how best you have saved time and made the smartest choice that will save you tons of dollars.

Shopping for car insurance quotes and home insurance policy? Look no further than at BelairDirect, known for their excellence in customer service and with more than 50 years of experience, find the insurance product that will meet your need

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You can see advertisements everywhere you look, from phone books to billboards to even the televisions and newspapers. “Have you been in an accident? Then contact us NOW.” Graphic pictures of victims at the scene with large, bold headlines and promises of free representation can be seen everywhere. You can even find a short term loan to hold you over until settlements arrive.

Now there is speculation that all these personal injury claims are making insurance costs rise. Some companies no longer offer motor insurance because of the growth in claim cost. The bureau?s regional services manager has cited several instances where, even though the vehicles were barely damaged, people asked for and were awarded huge settlements for their injuries. The insurance company supports paying people for their actually injuries, but she says the claimants expect a lot more money than they really deserve.

Depending on the company, you can experience different increases in insurance premiums due to the large claim amounts. If you are a low risk driver, you’ll most likely see an increase of 15 to 35 percent. And, if you’ve had the misfortune of getting a ticket or having an accident, your auto insurance premiums can go up even more.

Of course, lawyers claim there is no connection between the growth of advertising and the growth of insurance claims. The number of advertisements and the number of claims has been connected by the insurance bureau. One lawyer says he just doesn?t understand this link. When someone has a good claim to make against another driver, they should be allowed to do so. The offer of short-term loans on the promise of future claims may be a violation of the lawyers? code of ethics. Law associations are researching this.

By advertising personal injury services, law firms will get business from those already considering a claim. This is one personal injury lawyer’s opinion. He doesn’t have an issue with that at all. He goes on to say that, “It’s a shame that retaining a lawyer to advice you of your rights is considered such a bad thing by the insurance industry.” While insurance company fees have gone up in recent years, and there are certainly reforms to be made, he doesn’t get much cooperation from the insurance industry to make those changes, apparently.

Looking into accident prevention, as a means of reducing claim costs, is the suggestion of the President of the Bar Association. There isn’t any lobbying by insurance for increased fines for photo radar or bans on cell phone use by drivers, he said. He also wonders why insurance companies don’t call for improved road safety for the decrease of accidents. He did note that insurance profits have been severely cut, and their investments have suffered of late.

Insurance company advocates are lobbying for the passage of laws meant to prevent those injured in car accidents from obtaining multiple recoveries for the same incident. Most cases involve the victim asking to be compensated for the time they have been off work, while they have already been compensated for that by a company benefit plan. Even more egregious is the fact that such compensation is paid based on gross pay, rather than net pay which has had tax withheld. This provides claimants a reason to delay returning to work or to refuse to return at all. People realize they will be paid even more for being off longer amounts of time.

Attorneys suggest that they are unaware as to the exact size of the plaintiffs’ tort bar, though they are pretty certain that there are not many more venues in which they could find new opportunities. Many of the places will allow the victim to sue for pain and suffering, although the injury must be a serious and permanent one. The insurance bureau wants you to think that the aggressive advertisements by lawyers is what is bringing so many lawsuits in, but that isn’t true. Nobody should have a problem with attorneys who are willing to shoulder the expense of litigation through to the point of settlement, or who agree to pay for necessary expenditures should the plaintiff not prevail.

You may be looking for best personal injury lawyer information, in which case you should visit that site. For top-quality resources on personal injury lawyer make sure to visit them.

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