| Introduction | p. xi |
| First Things First | p. 2 |
| Promptly Notify | |
| Accidents Involving The Government | |
| Contact With Your Own Insurance Company | |
| Contact With The Other Driver's Insurance Company | |
| Statute Of Limitations | |
| You Were the Victim of a Tort | p. 7 |
| What Is A Tort? | |
| Who Is Responsible? | |
| Minors And Parents And Family | |
| What Financial Rewards Can You Expect? | |
| Basic Rules Of Liability | |
| Gathering Accident Facts | p. 10 |
| The Eye Witness | |
| Photographs | |
| Newspaper Accounts | |
| Developing A Diagram Of The Accident Scene | |
| The Police Report - If There Is One | |
| Crash Evidence | |
| Place Yourself In The Other Driver's Position | |
| School Records | |
| Damages | p. 20 |
| Medical Special Damage | |
| Non-Medical Special Damage Expenses | |
| Property Damage Expenses | |
| Compensatory Damages | |
| Lost Time And Earnings | |
| If You're A Housewife | |
| Sick Leave Or Vacation Pay | |
| Lost Opportunities | |
| Your Age | |
| Household Help, Child Care And Travel Costs | |
| Gross Pay Vs Net Pay | |
| Property Damage | p. 27 |
| Actual Cash Value (Acv) | |
| Some General Considerations | |
| Total Loss | |
| Depreciation | |
| Fair Market Value | |
| Other Property Damage | |
| Your Bodily Injury | p. 31 |
| What Does The Injury Mean To You | |
| Signs And Symptoms | |
| Types Of Injuries | |
| Minor Bodily Injuries | |
| Pain and Nerve Impulses | |
| Spinal Cord | |
| Strain And Stress | |
| Anxiety | |
| Emotional Reactions | |
| Muscles | |
| Referred Pain | |
| Tendons And Ligaments | |
| Atrophy | |
| Scars | |
| Joints | |
| Arthritis | |
| X-Ray Examinations | |
| Whiplash | |
| Your Doctor Or Chiropractor's Role | |
| Documenting Your Disability | |
| Total Disability And Partial Disability | |
| What A Medical Report Should Contain | |
| Subjective Complaints | |
| The "Senior Citizen" Crash Victim | |
| Hospital Records And Reports | |
| Demonstrating Your "Pain And Suffering" | |
| Residual Or Permanent Injury | |
| Emotional Distress | |
| Securing Compensation For Life Disruptions | |
| Missed Vacation Or Recreation | |
| Cancelled Special Event | |
| Insurance Adjusters | p. 48 |
| Who They Are And How They Work | |
| The Adjuster's Claim Load | |
| The Initial Contact | |
| Your Statement - Signed Or Recorded | |
| Tape Record Your Meetings | |
| Have A Witness Present | |
| Examination By The Insurance Company Doctor | |
| Base the Baldyga Auto Accident Settlement Evaluation Formula | p. 53 |
| The Core Value | |
| The Premium Value | |
| The Low Value | |
| The Mean Value | |
| Three Settlement Evaluation Examples | |
| Calculating The Settlement Value | |
| How to Negotiate with an Adjuster | p. 61 |
| The "Reasonable" Factor | |
| The Negotiation Process In Action | |
| Be Willing To Wait | |
| Stay On Top Of Your Claim | |
| Handling The "Negative" Adjuster | |
| Settlement Authority | |
| Stalemate! You and the Adjuster Agree to Disagree | p. 66 |
| Going Over The Adjuster's Head | |
| Small Claims Court | |
| Contacting The State Department Of Insurance | |
| The Threat Of A Lawsuit | |
| No-Fault Insurance a General Discussion | p. 71 |
| States With No-Fault Jurisdiction's | |
| "Add On" "Monetary Threshold" And "Serious Injury Threshold" | |
| States With "Add On" Coverage | |
| "Choice" No-Fault | |
| States With "Monetary Thresholds" | |
| States With "Serious Injury" Thresholds | |
| The Bottom Line Regarding No-Fault | |
| Some Various Insurance and Claim Handling Insights | p. 77 |
| Property Damage Liability Coverage | |
| Comprehensive Coverage | |
| Collision Coverage | |
| Uninsured And Underinsured Motorist Coverage | |
| Medical Payments Coverage | |
| Arbitration | |
| Initial Personal Checklist Regarding Your Accident | p. 87 |
| Statutes Of Limitation | p. 89 |
| Locating A Missing Witness | p. 92 |
| After Impact Checklist | p. 94 |
| Sample Of A Lost Wage And Earning Verification Document (Full or Part Time) | p. 100 |
| Self-Employment Affidavit | p. 102 |
| Checklist Of Personal Injury Damages | p. 104 |
| State Listing Of Small Claims Court Limits | p. 107 |
| Index | p. 108 |
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