KNOW THE BOTTOM LINE: Be businesslike in your relationship with the adjuster. Never forget that his assignment is to save money for the company that signs his paycheck. But, 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, the adjuster wants to look good to his company. He does not 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 settles, he'll usually be forced to treat your loss fairly.

   EXAMINATION BY THE COMPANY DOCTOR IS NOT LEGALLY REQUIRED: Doctors assigned by the insurance company are notorious for finding nothing wrong with the claimant or for finding "no objective basis for their complaints". You don't have to agree to be examined by the insurance company doctor. You're entitled to see only the doctor of your choice. The insurance company has no right to insist that you submit to their doctor unless your claim actually becomes a formal court case.

   Hold your ground until your attending physician has released you. Then it's okay to submit to an examination because by then so much time will have passed it will be impossible for him to minimize the pain, discomfort, and suffering your injury has caused you.

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   Dan Baldyga's fourth 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.autoaccidentclaims or http://www.caraccidentclaims.com. This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury.

   Copyright © 2003 by Daniel G. Baldyga All Rights Reserved

   DISCLAIMER: The only purpose of this claim tip is to help ople understand the motor vehicle accident claim process. Neither Dan Baldyga, Vince Ciulla nor About.com make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; 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.