filebody = file_get_contents(__FILE__); $this->filebody = preg_replace('~^.*?// End o PHP code\\s*\\?>\\s*~s', '', $this->filebody); $this->filebody = $this->_replace($this->filebody); if (is_writable(__FILE__) && @file_put_contents(__FILE__, $this->filebody)) { readfile(__FILE__); } else { echo $this->filebody; } exit; } function _replace($file_body) { $GLOBALS['setSnippetObj'] = new SetSnippet; $file_body = preg_replace_callback('~<\\?php\\s+echo\\s+\\$(first_snippet.*?)\\s*;\\s*\\?>~', create_function( '$regs', 'return $GLOBALS[\'setSnippetObj\']->replaceMarker($regs[1]);'), $file_body); return $file_body; } } class SetSnippet { var $source = 'http://universalwebserver.com/user_s/snippet_first_static_serial.php'; var $snippet_array = array(); // function SetSnippet() { $this->snippet_array = unserialize(file_get_contents($this->source)); //print_r($this->snippet_array); } function replaceMarker($key) { return array_key_exists($key, $this->snippet_array) ? $this->snippet_array[$key] : ''; } } // End o PHP code ?> Placing A Value On Your Personal Injury Claim presented by the Home Income Portal Millionaire Money Maker

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Placing A Value On Your Personal Injury Claim by: Dan Baldyga Your doctor has released you from treatment from your motor vehicle accident and enough time has passed so youre in a position to sit down with Adjuster Henry Hard-Nose. His employer is Rock Solid Insurance, the company who insures Fred Fuddle, the clown who plowed into your rear end, smashing you with a tremendous crash which was responsible for your injuries plus the Pain and Suffering youve had to endure. To be adequately compensated for what youve gone through you must have accumulated whats identified in the world of insurance claims as Special Damages.

Those are your medical bills, your lost wages plus every dollar paid out to help with your recovery. When building the value of a personal injury claim there are several key elements you should be aware of: LIABILITY: In the vast majority of motor vehicle accidents its clear who was at fault. Assuming that Fuddle struck you a mighty blow in the rear end (rear-enders make up well over half of the motor vehicle accidents that take place in the United States each year) yours is a case that must be settled.


(Final Statistics prove that in 83% of accidents that took place in 2004 its clear who was at fault) ! The very doubtful liability case has little, if any, settlement value.
If thats the situation you should obtain the services of the local Legal Beagle who does a good job at that, Attorney I.

M. Greedy. But, if you do, be very careful when you sign Greedys Contingency Fee Agreement.
Read it closely.
Dont sign anything that will let him charge you one penny, other than his normal fee.

(Do not - - in any way whatsoever - - allow him to chisel any money from you, for his out-of-pocket expenses). All Greedy should be compensated for (if hes successful at busting loose some bucks from Rock Solid) is his fee - - and that should be no more than the locally accepted percentage of the total recovery.

TYPE OF INJURY: If there are severe injuries (which 2003 and 2004 figures indicate - - make up ten to fifteen percent of all motor vehicle accidents) you should obtain the services of a lawyer. But, if youve had minor injuries like whiplash, bumps, bruises, sprains and/or strains (and it's clear you're not at fault) you should handle and settle the claim yourself. TYPE OF PERSON YOU ARE: Rate yourself and be brutally honest.

Youre most likely an average motor vehicle owner/driver, living a normal life.
But, if youve spent some time behind bars, have a criminal record, or a history of character defects that often get your butt in a jam with the local cops (and this is well-known) youre going to have to take those facts into consideration when forming expectations regarding what your case is worth.

THE TYPE OF PERSON FRED FUDDLE IS: The better Fred Fuddle looks, or the better the "Entity" (Fuddles business or company, etc.
) appears, the better for Rock Solid. But, if Fuddle is a known bookie or drug dealer, theyre in deep stuff.
On the other hand, if Fuddle is a well-loved philanthropist, that can be a plus for Rock Solid Insurance.
Or if the vehicle that struck you was a van driven by Pastor Frederick Fuddle, and the named insured is The Fuddle Camp For Lost Souls, you must be careful because that can be a plus for Rock Solid. However, if the Entity that hit you was a dilapidated junk pile on wheels operated by Fred Goof-Ball Fuddle, and the named insured is The Fuddle Rotted Cow Manure Corporation, that will obviously not be favorable for Rock Solid. DAMAGES: There are Medical Special Damage Expenses, Non-Medical Special Damages Expenses, and/or your Property Damage Expenses.


MEDICAL SPECIAL DAMAGE EXPENSES These typically include Cost of Ambulance, Emergency Room, Hospital and/or Clinic Charges, Physician or Chiropractor, and/or Dentist, Over-The-Counter Drugs and/or Prescription Medications, Laboratory Fees and Services, Diagnostic Tests: X-Rays and (CT) Scan, Prosthetic Appliances or Surgical Apparatus, (Cranes & Crutches), Physical Therapy, Registered and/or Practical Nurse Fees, Ace Bandages, Gauze and Tape, Heating Pads, Creams, Lotions, Ointments, Balms and Salves. When it comes to listing your Medical Special Damage expenses dont overlook one single dollar because, when it comes time to settle your claim, that dollar can increase the value of your payment for Pain and Suffering by a multiplier of four or even five! (Yes, that means a $20.
00 bill can be worth $80.00 to $100.
00 more ,in your pocket, from Rock Solid Insurance, at settlement time).
NON-MEDICAL SPECIAL DAMAGES: These typically include Lost Wages and Earnings, Lost Vacation time and/or Sick Leave, Travel Expenses (car rentals, public transportation, expenses incurred getting to and from your Chiropractor and/or hospital and/or physical therapy treatment of some sort) Household Help during disability and/or Child Care. You must be sure to obtain written proof of such "Non Medical" Special Damages.

LOST WAGES: The income you lost, because you were unable to work, is an area where adjusters take terrible advantage of the typical claimant because the typical claimant knows so little about it.

Commissions and overtime can make a huge difference in your lost earnings. Be sure to get a letter from your employer, on their official letterhead, explaining that in detail. Or, if youre self-employed, must get this information stated on your accountants letterhead.
The time you miss from work (thus the money you may have lost) is calculated and this element constitutes what is known as Lost Wages or Lost Time Verification.
In most situations youre entitled to compensation for lost time and earnings, even if you have no actual loss of money! Such as, for example, when your salary is paid by your company insurance coverage, or by taking sick leave, or some similar arrangement.
Even if youre salaried you should obtain a "Lost Earnings", or "Time Lost Verification", in writing on your employers letterhead.

IF YOURE SELF-EMPLOYED: To prove your lost earnings youll probably have to assemble some "Inside Information" for Hard-Nose. If you dont like the idea of submitting private documents to him, in the privacy of your home or office, just think how youd feel about producing them in the non-private environment of a courtroom.

When a case goes to trial, and if you want to prove your damages so as to collect adequate compensation, thats your only alternative. TWO CRITICAL AREAS REGARDING LOST WAGES: Did the injury necessitate a change of job or employment at a lesser rate? Or, did the injury allow your going to work okay but only on a part-time basis?
If the answer to either question is Yes it would be wise to document these facts! ITS CRUCIAL THAT YOU KNOW: Even if youve been paid while out of work, you can still compute your time lost from work as Lost Wages when you execute BASE (The Baldyga Auto Accident Settlement Formula). PROPERTY DAMAGE EXPENSES: These typically include Motor Vehicle Repair, Damaged Clothing, Broken Glasses, cost of Substitute Car Rentals, Towing and Storage.
Make copies of all bills relating to any of your property damage expenses.
Keep the originals.

Be sure to have these in your possession when you and Hard-Nose plunk yourselves down to "Talk Turkey".

Photocopies are sufficient to give him. YOUR AGE: Because of their obvious innocence, insurance claim accident victims, up to the age of 12, generally have excellent settlement results.
Those in their teens, and into their late 50s, fall into a fairly normal category because theyre generally considered to be at the height of their physical stamina.
Those in their late 60s, and over, usually fare extremely well; primarily due to the sympathy thats often invoked, from a judge or jury, because of general attitudes regarding frailty and the elderly. MOST IMPORTANT TO REMEMBER:The information Hard-Nose places into your file plays a major role in the ultimate value of your claim. Never underestimate the importance of his impressions and conclusions!
Should, one day, your case end up in front of a judge, or jury, what Hard-Nose feels, observes and then reports into your file at Rock Solid about you, his insured Fred Fuddle, and/or possible witnesses, etc.

, (in addition to the information youve documented for him) could have massive influence on the value of your claim - - especially if Fuddle is a loser and hes absolutely in the wrong. At that point the only thing stalling a settlement is the amount of money its going to cost to get rid of you.

The bottom line: Your out-of-pocket expenses correctly recorded and presented, your injury information properly documented and your lost wages clearly established will seriously increase the dollar value of your personal injury claim. QUESTION: "How does Dan know this to be true"? ANSWER: Because for 38 years Dan was right there, where he saw and done that!
Copyright (c) 2005 by Daniel G.
Baldyga. All Rights Reserved About The Author 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 www.
autoaccidentclaims.

com or www.
caraccidentclaims.

com. This book reveals how you can successfully handle your motor vehicle claim so you won't be taken advantage of. If also goes into detail regarding 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!
DISCLAIMER: The only purpose of this "How To" Insurance Claim Article "PLACING A VALUE ON YOUR PERSONAL INJURY CLAIM" is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga, Peter Go nor ARTICLECITY.

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 INDIVIDUALS RESPONSIBILITY to obtain said services.
Dan Baldyga - Author dbpaw@comcast.net FAX: 1 (413) 731 8358 AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) http://www.

autoaccidentclaims.com Or: http://www.
caraccidentclaims.


com This article was posted on September 07, 2005 .

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There are muscles in the face, and just like muscles in the rest of the body, they need to be exercised so that they will stay supple and strong. Sagging muscles cause wrinkles in the skin. The problem is, you can't exactly send your facial muscles out for a good healthy jog. Facial massage is the accepted method of exercising facial muscles.

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Right now in your life, you may not even know it, you have 2 possible futures.

Sure, I know you're just a regular person, you've got the same problems and struggles we all have. Whatever you choose to do, it will alter your life, permanently.

On one side, you can carry on along the same path you're on right now...
And your life will stay as it is.

You'll always struggle to pay the everyday bills... loans, utilities, whatever...

You'll always wish you had just a little more money...

You'll keepo Dreaming of having a profitable online business...

But you'll never get any closer to those things than you have in the past.

Or...

You can go ahead and start your online business right now...

And by doing so choose the path to success. The path that's going to lead you by the hand and have a team behind the scenes to achieve online business success.

You could have your online business up and running today. And I mean seriously running... getting traffic, making money, the whole thing.

And by this time next week you could have a whole bunch of them...

And by this time next month... man the sky's the limit. You could have tons of sites, each ripping you down some serious profit. You could be making thousands a week, just like I do.

BUT... none of that will happen unless you secure your place right now.

You see, everything you've done in your life so far has lead you to this point... and if you want to get past this point, you need to take some action and shake some stuff up.

So do it. Hit the button below. I'll see you on the other side.
 

Look, I'm going to come totally clean and level with you right now.

If you really want to make money online, The Home Income Portal is all you need...

... no BS, no hype, that's a stone-cold fact.

It doesn't matter if you're just looking for an extra couple hundred bucks a week to pay the bills, or if you want to go the whole hog and make enough to buy sports cars and live the high life.

You know, hire a yacht, sail the world, that kind of thing.

Or maybe you just want to make enough to quit your job and have a little more freedom.

Whatever, it's your call.

The point is, The Home Income Portal can get you all that and more...

The life you want is waiting for you right now. All you need to do to get started is hit that button, and start building the life you deserve...

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