(61)Car Accident Insurance Claim~ Regarding Impacts And Injuries.


As of January 2009 it was determined that in the good ole‘ US of A, there were approximately 12.3 million motor vehicle accidents involving over 21 million vehicles last year. This amounts to a little over one crash per second. Let’s take a look at four of the most common of these gazillion impacts and the typical injuries they cause.

#1. LOW SPEED IMPACTS - - ESPECIALLY REAR-ENDERS: These are crashes that are considered to be any collision that takes place at speeds under 10 MPH. While there is absolutely no justification to call it a “Low Speed” impact that’s what the insurance industry loves to identify them as. Why ? Because a moniker like that is supposed to indicate that the, “so-called impact”, you were subjected to could not possibly have caused an injury.

It’s true that when such a crash does take place there’s often not a lot of damage done to the motor vehicle and yet, in most cases, people involved in these types of accidents more often than not suffer injuries - - neck injuries especially!

Although the insurance industry would like to have those making a claim think differently an injury can and absolutely does occur when a low impact collision takes place. The most common is identified as the “Whiplash”. This takes place when the occupants don’t have the slightest idea about the impending collision so they can’t brace themselves by forcing their back and/or neck against the seat or headrest. Because of this their body gets whipped and snapped about something fierce.

Automobile bumpers are built to withstand up to a 5 MPH crash without damage. This is not done to insure the safety of the occupant but rather to protect and limit the damage to the bumpers, keeping the cost of repair to a minimum. Many times vehicle to vehicle impacts can sustain an impact of 8 to 9 MPH before there’s recognizable damage to the motor vehicle. However, when the bumper doesn’t crumble and absorb the force of the impact, more of that crash is felt by the occupants. IMMEDIATE INJURIES: The individual that’s been crashed into by another (even at only 5 MPH) is thrown forward with a severe jerking motion - - causing necks to snap and backs to twist. Because of this many “Soft Tissue” styled injuries take place, including multiple body bruises, plus chest and rib injuries. In most cases adjusters attempt to deny the possibility of injuries in a low speed impact but research substantiates just the opposite! Sure, the motor vehicle will show little damage but the velocity and accompanying force have to be transferred somewhere, and that’s to those sitting in that vehicle. Cars are built to withstand such minor impacts - - the human body is not!

#2. FRONTAL COLLISIONS: In most frontal impacts the occupant’s can generally brace themselves because they’re usually aware of the collision they’re about to be subjected to. In Frontal Collisions the speed and weight of the vehicle play a role in the injuries of the occupant. (The more the vehicle crumbles at impact the less severe the injuries to the occupants. Many times airbags will deploy). In frontal impact collisions the speed and size of the vehicle determines the injuries that can take place. (And - - getting back to rear-end collisions for just a moment - - the striking vehicle not only undergoes a collapse, but transfers momentum to the car that’s been struck by pushing it forward. The airbag may or may not explode. This depends upon the rigidity of the vehicle that’s been struck).IMMEDIATE INJURIES: Head and neck, back, spine, rib and clavicle, arms and legs, concussions, soft tissue, internal, dislocations, abrasions, cuts and bruises.48 to 72 hours later: Headache, blurred vision, dizziness and loss of taste, smell or hearing. Also, difficulty breathing, blood in urine or stool, swelling, loss of motion and visualized bruising take place.

#3. SIDE IMPACT: Many times the occupants head will hit the side window and bounce off of it. There are no air bags nor bumpers, engines, etc., to help protect ones body or absorb the force of the impact. IMMEDIATE INJURIES: Head and neck, arms & legs, soft tissue, dislocations, scrapes and bruises. 48 to 72 hours later: Pain, headache, blurred vision, dizziness, loss of taste, smell or hearing, numbness or tingling (and basically the same as those listed above) so, at the risk of being repetitious but because it’s so important, I must say once again: It’s of major importance that the individual exposed to impact - - no matter how slight it may seem to have been - - should immediately be examined by a medical professional.

#4. ROLL-OVER ACCIDENTS: The typical roll-over accident is very serious. The most common factors in single vehicle accidents are approaching a curve at too high a speed, leaving the pavement or highway, or over-correcting the steering wheel - - particularly in vehicles with a short wheel base. The severity of injuries to the occupants generally depends on the beginning velocity of speed, the number of rolls, condition of the vehicle, and what your motor vehicle rolled through, over and into! Damage to the vehicle is generally extensive. It has been determined that 60% of the economic costs from roll-overs resulted from occupant ejection, and that the initial roll-over speed was between 40 to 60 MPH. (A recent study reported that restrained occupants showed a higher proportion of neck injuries than the unrestrained).

IMMEDIATE INJURIES: The whole nine yards - all of those as detailed above.

The bottom line (to all 4 of the above) is that in all motor vehicle accidents - - no matter how minor the damage it’s of the greatest importance that each and every individual immediately visit a medical professional for a physical examination and/or consultation. So, should you find yourself at the scene of an accident and somebody asks if you think they should see a doctor, your answer should always be, "ABSOLUTELY " ! Stare straight into their eyeballs and tell them, “It’s your body. There’s only one to a customer. You should do whatever you can to take care of it and protect it”.

DISCLAIMER: This article ~ CAR ACCIDENT INSURANCE CLAIM ~ REGARDING IMPACTS AND INJURIES is intended for background information only. Its purpose is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Thomas Brown nor ARTICLE CITY make any guarantee of any kind whatsoever NOR purports to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. where such professional help is desired IT IS THE INDIVIDUAL’ RESPONSIBILITY TO OBTAIN IT.

Dan Baldyga’s third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at: This book reveals “How To” successfully handle your motor vehicle accident claim, so you won’t be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the “Pain and Suffering” you endured - - because of your personal injury.

Copyright (c) 2009 by Daniel G. Baldyga. All Rights Reserved

Dan Baldyga - Author

19 Winona Drive, West Springfield, MA 01089

Phone: (413) 733 0127 FAX: (413) 731 8358

Mail to: ""


Found on the internet at: ""

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

Written by: Dan Baldyga

(62)Car Accident Lawyer Legal Advice.


Car accidents are currently the number one killer of people between the ages of 1 and 37 in the United States. Car accidents, crashes, and collisions cause about 3 million injuries a year, 2 million of which are permanent and crippling injuries per year. 40,000 people die in car accidents every year in the United States alone. The Department of Transportation reports that most of these car accident deaths can be avoided. About 40% of car crash fatalities involve drinking alcohol and driving. Many accidents involve some combination of alcohol and speeding. Additionally, seatbelt use is only around 68% despite the proven fact that seatbelts protect drivers and passengers and save lives. In more than half of all car accident fatalities, the deceased were found not to be wearing their seat belts at the time of the crash.

Reckless and drunk driving is a serious offense and the law treats a car, when it causes injuries, as a dangerous weapon. When victims are injured and killed in drunk driving accidents, the driver can be charged the same as if he or she had attacked their victims with any other weapon, like a gun. A drunk driver who kills a person can be sent to prison for murder. Such dangerous activities as drunk driving and racing are often treated casually by young people, but they do not understand the inherent risks associated with this behavior. Every twelve minutes somebody in the country dies in a car accident.

If you or somebody you love has been involved in a car accident, either as a driver or as a victim, it is important to seek legal council. Remember, if you are involved in an accident, never to apologize or accept responsibility without consulting a lawyer. Car crashes are scary, but apologizing on the scene can fix the blame on you even if the collision is another driver’s fault. A lawyer can help you work out the necessary paperwork and protect you from accusations and court proceedings. Insurance companies have lawyers protecting their interests, shouldn’t you?

Finally, do not panic. As drivers become more aware of their responsibilities and car companies develop safer vehicles, the percentage of deaths in car crashes has steadily declined. When combined with safe, responsible driving techniques, such as acknowledging posted speed limits, wearing seatbelts, and going out with designated drivers, these new cars and advanced roadways promise a safer driving experience.

If you have more questions, contact a car accident lawyer or read car accident news at

About the Author


Written by: Anna Henningsgaard

(63)Car and Truck Alternators

Has your vehicle's alternator failed? Are you absolutely certain that it isn't your battery or starter? Determining which part has failed is essential toward avoiding unnecessarily replacing something that hasn't failed, like your battery. Let's take a look at some steps you can take to determine that your alternator, in fact, has bit the dust.

If you own an alternator testing machine, you can test to see whether your car's alternator is charging correctly. For most people this isn't practical as few motorists own such an expensive piece of equipment. For everyone else, there is a practical way for you to easily check to see if your alternator is working properly:

Connect a volt meter to your car's battery

Start your car

Observe the voltage output on the volt meter so that you can make an accurate determination.

If there is an increase in voltage when you start your car, then your alternator is more than likely working just fine. Likely, you battery is the culprit; check the battery itself and the connections to make a final determination.

If there is no increase in voltage, you are likely looking at having to replace your alternator.

The next step, of course, is to determine whether you will replace the alternator yourself or have someone else do the job. Some things to keep in mind as you weigh your options include:

If you trust your vehicle to a mechanic, what will the total cost of the work be including the part and labor? Is there a guarantee?

If you decide to do the work yourself, do you have all the tools on hand to get the work done? Do you own a repair manual? Do you want to purchase a new alternator or will a remanufactured unit suffice?

Your choices today are much greater than they were ten years ago, before internet shopping became a strong factor in reigning in high auto parts prices. Several online wholesalers, including the Auto Parts Warehouse, are in business to sell auto parts directly to you. Costs are generally much lower than local retail establishments and parts are from well known manufacturers, names you can trust in the business.

Doing the work yourself can save you time and money as well as give to you a sense of accomplishment. With a trusty repair manual at your side you can replace your vehicle's alternator quickly and accurately.


You can replace an auto alternator yourself; at APW we sell premium Bosch alternators and Valeo alternators at heavily discounted prices.
About the Author

Matt Keegan is a contributing writer for the Auto Parts Warehouse [APW], an online wholesaler of high quality performance and replacement parts for passenger cars, SUVs, trucks, and vans.

Written by: Matthew C. Keegan

.(64) Car Art in Many Forms


Ever since the first car was produced, it's been an art object as well as a practical device. We love to look at all sorts of cars. We care about our own cars and we are very aware of what they say about us and our tastes. A red sports car makes a very different statement from a gray van.

Why do we spend so much time and money keeping up the finish of our cars? Again, it's an artistic matter, perhaps a combination of pride of ownership with the knowledge that people somehow identify us with what we drive around in.

Car art isn't limited to just the cars themselves. There are many forms of art that use cars. Whether or not you consider advertising an art form or a nuisance, the many ads for cars -- or for other things but using cars in them -- are a significant part of the history of car art.

Another form of car art is movies. Films use cars in them, to further the plot of course, but also to make statements about who the characters are. A lot of the wild rides you can enjoy vicariously in a movie or TV show would not be fun in person! Well, they might be, but they are beyond the reach of most people.

Paintings and photographs of cars are another realm that people have devoted themselves to. You can most easily own some of these through the wide selection of car posters available. If you love the elegant lines of a Lamborghini or Porsche, you can have one on your walls if not parked in your garage.

Car posters cover many topics. As well as celebrating rare and expensive cars, there are posters that offer a humorous look at our culture, that show great moments in car racing, that outline the history of the Mustang or other cars, that reflect the Art Deco look of bygone times, that show good-looking celebrities standing by a car, and much more.

About the Author

Rosana Hart is a reference librarian turned webmaster. Visit her site at for a selection of popular posters and articles about their subjects.

Written by: Rosana Hart

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