| ~THE BASE FORMULA ~ | | | | Using the "Formula" (as detailed by BASE which is |
| A "SETTLEMENT EXAMPLE" | | | | found in my book AUTO ACCIDENT PERSONAL |
| Because I've received so many contacts, and | | | | INJURY INSURANCE CLAIM) you determine that |
| questions, regarding BASE (The Baldyga Auto | | | | the value of your Personal Injury claim falls into |
| Accident Settlement Evaluation Formula) from the | | | | the 4 areas provided by "THE BASE FORMULA" |
| readers of the sensational I've decided to provide | | | | and (in your particular situation) they are: THE |
| you-all with insights (via a "Settlement Example") | | | | PREMIUM VALUE $7,324.60, THE MEAN VALUE |
| regarding THE BASE FORMULA. | | | | $6,408.02 THE CORE VALUE $5,493.00 and a |
| OKAY, SO HERE WE GO: It's 10:00 AM on a clear, | | | | LOW VALUE $3,680.00. |
| dry day. You're operating your motor vehicle | | | | Your case has a number of positive factors that |
| north on Main Street in your home town. You're | | | | fall on your side of the evaluation ledger, such as: |
| 62 years old and the assistant manager of a local | | | | #1. Fred Fuddle is far from being a model citizen. |
| video store. | | | | #2. He was driving his vehicle much too fast, as |
| Fred Fuddle is a chronically unemployed local with | | | | evidenced by the skid marks Chip capture on film. |
| a reputation for being a loud-mouth degenerate | | | | #3. The police cited Fuddle for operating his van in |
| who has a string of convictions for drunken, | | | | a dangerous manner, as proved by the copy of |
| disorderly conduct. | | | | the Police Report you now have in your |
| Fuddle is driving his dilapidated van at a high rate | | | | possession. |
| of speed, proceeding East on Elm Street. As you | | | | Ole' Doc Comforts report (which you have a |
| approach the intersection of Main and Elm you | | | | copy of) indicates you sustained a |
| have a green light. You proceed through, perking | | | | "Whiplash-Type" injury to the cervical-dorsal area. |
| along under the posted speed limit. Too late, | | | | Following Doc Comforts instructions (as written |
| Fuddle realizes he has a red light. He hits his | | | | into his report) you purchased a heating pad (a |
| brakes, leaving 70 feet of skid marks behind him | | | | copy of the bill you have for proof) which you |
| as he flies into the intersection. The front of his | | | | used for 5 days to help relieve your "Pain and |
| van strikes your left rear with a mighty crash. | | | | Suffering". In addition to the hospital bills, you've |
| Your arm hits the steering wheel and the $300.00 | | | | also kept copies of the pain killer prescription |
| watch your spouse gave you for your last | | | | drugs that Doc Comfort insisted you must take. |
| birthday is smashed. The Property Damage to | | | | Now, enough time has passed for you to sit |
| your motor vehicle will be determined to be | | | | down with Insurance Adjuster I. M. Smart of |
| $1,700. | | | | GRANITE MOUNTAIN INSURANCE |
| The police investigate at the scene. Fuddle is | | | | CORPORATION. Smart knows the potential of |
| charged with dangerous driving: You note that this | | | | your developing more physical problems (which |
| is written up in the Police Report. The ambulance | | | | can be tied into the accident) is much greater |
| takes you to the Angel Of Mercy Hospital | | | | because of your age. No matter which way |
| Emergency Room, where you're x-rayed and | | | | Smart would like to slice your cake he's aware |
| treated. Diagnosis: A mild to severe strain to the | | | | that you went through a ton of inconvenience |
| cervical-dorsal area which is known as a | | | | plus a solid period of "Pain and Suffering" which |
| "Whiplash"-Type" of injury. | | | | has been sustained within the confines of Doc |
| You're eventually treated by your family | | | | Comfort's written report. |
| physician, Ole' Doc Comfort. (You later ask for | | | | As detailed in THE BASE FORMULA your Personal |
| and receive copies of all medical reports from the | | | | Injury claim positions itself in the area of THE |
| Angel Of Mercy and also from Doc Comfort). | | | | PREMIUM VALUE. You must aim for a settlement |
| As soon as possible, after the impact, you asked | | | | as close to this figure as possible. PLUS the $1,750 |
| you son "Chip" to return to the scene of the | | | | Property Damage of your motor vehicle and also |
| accident and he snapped a dozen close-up photos | | | | the $300 to replace your new wristwatch. |
| of the skid marks plus the damages to your | | | | How one can and must proceed to do this (plus |
| motor vehicle and then Fuddles van. Chip very | | | | THE BASE FORMULA) is detailed in my third and |
| wisely visits the police station where he purchases | | | | latest book AUTO ACCIDENT PERSONAL INJURY |
| a copy of the report that the Cruiser Patrolmen | | | | INSURANCE CLAIM (How To Evaluate And Settle |
| wrote at the scene. | | | | Your Loss) found on the internet at or |
| YOUR FINAL "SPECIAL DAMAGES" ARE AS | | | | DISCLAIMER: The only purpose of this article ~ |
| FOLLOWS: Ambulance, Emergency Room, | | | | THE BASE FORMULA ~ A "SETTLEMENT |
| X-Rays, Prescription for pain, Heating Pad, Dr. | | | | EXAMPLE" is to help readers understand the |
| Comforts bill, plus your Lost Wages. THE FINAL | | | | motor vehicle accident claim process. |
| TOTAL OF YOUR "SPECIAL DAMAGES" COMES | | | | Dan Baldyga makes no guarantee of any kind |
| TO: $1,831.15. | | | | whatsoever, NOR to substitute for a lawyer, an |
| PROPERTY DAMAGES: Cost to repair your (car - | | | | insurance adjuster, or claims consultant, or the like. |
| motor vehicle) $1,750.00 plus the provable | | | | Where such professional help is desired it is the |
| replacement of your wrist watch $300.00. TOTAL | | | | INDIVIDUALS RESPONSIBILITY to obtain such |
| PROPERTY DAMAGE LOSS: $2,050.00. | | | | services. |