Insights Into Your Med-Pay Insurance Coverage

While Legal Romantics would like to characterize the trial of a lawsuit as a “Search For Truth” that’s not a reality!

Cases are decided on the evidence. When reviewing cases before them, judges invariably use the phrase, “The evidence shows”, rather than, “The truth of the matter is”. That first phrase is a reality that filters from the courtroom down to the objective evaluation of each case tried.

If Fred Fuddle is the town drunk, or if his conduct at the accident scene was provably abnormal than the value of your case should increase. If your injuries are visible and/or demonstrable, it’s likely your settlement will be larger. The conduct of both Fuddle and you before the accident may be significant. If you had been at a bar drinking heavily or raising holy hell out on the highway before the accident, you’ll get less regard from the jury than if you were driving to your house of worship with your family.

So, the circumstances of your behavior before, during, or after the accident increases or decreases the value of your settlement.

THE SIX MOST IMPORTANT ELEMENTS IN THE “EVALUATION PROCESS”: To be fully informed, you must know and understand the six primary evaluation elements that figure into the process of evaluation. They are as follows:


(1) THE FACTS: The gathering of the provable factual information is the first step in the evaluation. If you try to evaluate a claim without as complete a file of facts as possible, it’s like going hunting for a lion with a slingshot.

(2) THE EVIDENCE: You must weigh all factual evidence known to you against the actual evidence you can produce to substantiate it. No matter what information you’re aware of, your position will always be stronger if you have the evidence to back you up.

For example: You can talk until the cows come home about the unsightly black-and-blue marks you had on your face, ribs, and hips, the scar on your forehead, or the 75 feet of skid marks Fred Fuddle’s auto left on the highway before he smashed into you, but Adjuster I. M. Smart will never adequately comprehend, (nor want to believe you) unless you provide him with photographs.

Providing Smart with the proof-positive of photographs will cause his Supervisor’s eyes to bulge as he inhales a deep breath of resignation and declares, “Hey, this one’s gonna cost us” .

QUESTION: “How can Dan be so sure about that”? ANSWER: “Because before Dan retired, after spending over 30 years on that firing line, he was an Insurance Adjuster, Supervisor, Manager and Trial Assistant. He’s been there, saw that, plus heard (and felt) that many thousands of times”!

Whenever possible you must help Adjuster I. M. Smart justify the settlement figure he wants to get approved by his immediate superior at Granite Mountian Insurance Corporation.

(3) THE LAW: As proved in over 83% of the accidents in the United States in 2003 the impact you were subjected to is clearly the fault of “Fumbling” Fred Fuddle, so the law is on your side.

Armed with the information found in my third book AUTO ACCIDENT PERSONAL INJURY (How To Evaluate And Settle Your Loss) plus THE BASE FORMULA (The Baldyga Auto Accident Settlement Evaluation Formula) you’ll be able to do that. THE BASE FORMULA will correctly evaluate your “Pain and Suffering”. Because of this, you can settle your own claim without handing a huge percentage to an attorney. A lawyer who has done nothing more than have his secretary send Fuddle a letter of representation and then think it’s perfectly acceptable (after many moths, sometimes years, of hiding/stumbling/fumbling and verbally pitching his well-practiced answer when you asked, “Hey what’s going on with my claim?” with an answer like, “I’m right on top of it, hang in there, old friend and I’ll make it come out right”, and then proceed to take a huge portion of your settlement dollars, for doing little or nothing to earn it.

(4) INJURY TO YOU: The seriousness of your injury has to be considered. (Ole’ Doc Comfort, your attending physician’s Medical Report, should go into detail about that).Your age will have an effect on the time it takes you to recover. The time you lost at work will have a direct bearing on the length of your recovery.

(5) SPECIAL DAMAGES: All of your direct and tangible losses are prime factors to be implemented in the consideration of the value of your claim.(Clearly stated details regarding Damages are found in Chapter Four of my book).

(6) INTANGIBLE ELEMENTS: These include your reasonableness, your economic status, your standing in the community, the obvious sentiment conjured up when one considers the degree of the seriousness of your injury, plus the attitude of Fred Fuddle (and often your witness) regarding your case.

Sympathy will come into play if you’re a widow or a highly respected Little League Coach, in contrast to your being identified as a raucous bum with a history of getting into scrapes with the law.

Emotional factors often have considerable weight in the evaluation of your claim. Whatever the intangible elements may be, you must force yourself to investigate and then evaluate them just as objectively as possible. So, if what’s being contended is incorrect, you can deny them (plus you must prove the conclusions not to be true) when and where it becomes appropriate to do so.

Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved

DISCLAIMER: The only purpose of this article INSIGHTS INTO YOUR MED-PAY INSURANCE CLAIM COVERAGE is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor ARTICLECITY.COM make any guarantee of any kind what 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. Whenever such help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain such services.

Dan Baldyga is now retired and spends his time writing articles to assist those who are involved in motor vehicle accidentclaims so they won’t be taken advantage of:



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Influencing Up! Specific Communication Tips for Men and Women

Erica Jong, author of the revolutionary book The Fear of
Flying, once said, “Men and women, women and men. It
will never work.” Well, I have more faith, and more
experience in the business world than Ms. Jong. I know we
can make it work, at work! – and at home, too. One of the top
five challenges facing women’s advancement involves
communication differences between women and men in
charge. But communication is also a challenge for many
men – whether they are in charge or not.

I want to emphasize that both men and women would be
well served to use each other’s communication style – in
moderation. By no means should women use a masculine
style exclusively, or vice versa. One of the most damaging
behaviors many women adopt is trying to become “one of
the guys” to fit into the traditionally man’s world of business.
Doing so suppresses their authenticity and in the long run,
this does much more harm than good.

For those who may bristle at the suggestion to ever use a
style other than their own, I suggest you just simply re-frame
the perception.: Isn’t this a twist to the Golden Rule –
treating others as you would like to be treated? I.e. – if you
would like to be communicated with in your style, assume
that others would also prefer you communicate with them in
their style.

The following are communication and behavioral tips for
both men and women that will help improve their
productivity, working relationships, and chances for

feminine style with masculine style)

– Be succinct, to the point, but not abrupt.

– Hold details for back-up.

– Avoid tag questions, apologies, disclaimers (“This is a
good report, don’t you think?”), (“Well, this is just my opinion,

– Take credit for your accomplishments. (Or someone else

– Give updates whether asked for or not. (You are not
bragging! If you don’t communicate your successes to the
powers-at-be, no one else will do it for you and your skills
may be underestimated.)

– Reduce personal disclosure and problems. (Men don’t
bond and process the same way women do. This behavior
makes them uncomfortable and they may view it as weak
and unstable.)

– Handle conflict directly, politely, with empathy. (Be clear, to
the point, but not rude or abrupt. If you are nervous about an
upcoming confrontation, write out your thoughts to clarify
and focus them.)

– Make some decisions independently. (Rather than
consistently asking others for their opinion for consensus’
sake. Men see this as indecision and lack of confidence.)

– Avoid strong displays of emotions. (Men see this as
weakness – “too” emotional and not managerial.)

– Avoid saying “I’m sorry.” (It communicates that you were
wrong and is often perceived as weakness and powerless

– When interrupted, be direct and courteous, not sharp, but
take back the floor. (“Hang on a second please, thanks.” Put
your hand up to signal “stop” if you have to.)

– Remember you don’t have to like someone to get the job

– Don’t get mired in details; delegate, delegate, delegate.
(Evaluate if the detail is truly necessary. If you get stuck with
a big detail project, form a team to help you.)

– Communicate your vision for the company/department to
men/people-in-charge, and your ideas for achieving this
vision. If you don’t have a vision, get one!

– Be flexible and keep a positive attitude about differences.
(Different is not right, wrong, bad, or good – just different!)

masculine style with feminine style)

– Don’t assume women’s softer style means less
competent. (It’s just different than your style!)

– Be personable and insert a little personal disclosure.
(Research regarding employees’ preferences for a
masculine or feminine style of management consistently
shows the latter is more effective and preferred by both men
and women.)

– Maintain direct but not constant eye contact. (Women
perceive lack of eye contact as intentional avoidance and
disinterest in listening.)

– Say ‘please’ and ‘thank you’ more; use demands less.

– Avoid interrupting; use active listening skills. (Demonstrate
that you are indeed hearing what she is saying.)

– Offer more details, more often.

– Ask women for their input and opinions. (When you don’t,
women think you don’t value their thoughts and

– Watch nonverbal language for confusion or upset. (Women
often don’t want to ask questions.)

– Recognize that her intentions may be different than your
perception of her words or behavior.

– Say, “I’m sorry” more often. (Including for small blunders or

– Be empathetic but not afraid of women’s tears. (It’s just a
different way of expressing emotion. She’s been told her
entire life that it’s acceptable and even good to cry.)

– Don’t underestimate a woman’s capability just because
she doesn’t talk about her accomplishments.

– Be flexible and keep a positive attitude about differences!
Different is not right, wrong, bad, or good – just different!

With these tips, , I think we can continue to disprove Erica
Jong’s assumption that men and women together will never
work. It will take commitment, consistency, and practice by
both genders, but we can all eventually do it – because
many are working hard at this – and succeeding already!

By Jane Sanders, 877-343-2150;

Jane Sanders, president of Authentic Leadership Resources, is a speaker, trainer, facilitator, and coach in the areas of leadership for women, strategic life planning, gender communication, presentation skills, and facilitation. With Fortune 500 clients nationwide, Jane Sanders is a powerful and respected speaker, trainer, and consultant with 17 years of corporate experience in sales and marketing and 11 years as president of her own successful company. Her academic background is in business, communication, and psychology, including an MBA from Loyola Marymount University in Los Angeles.

Clients and audiences alike describe Jane as highly results-oriented, inspirational, down-to-earth, fun, and passionate about her topics.

Jane presents keynote speeches and workshops for many companies including MassMutual, Prudential, CIGNA, Ford Motor Co., Toyota USA, Chevron, PBS, Anheuser-Busch, Ralston Purina, Xerox, Nestlé, Boeing, and many more. Her association clients are many and involve several different industries. Jane also facilitates strategic planning sessions and retreats.

Jane is author of GenderSmart: Solving The Communication Puzzle Between Men and Women, and has appeared on television and radio programs to discuss her topics. Reach Jane at 877-343-2150,

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The Secret Of Silver Jewelry

When we talk about precious metals we usually mean gold, platinum and another pure metal, fine silver. Silver is one of the original materials of value mentioned in the Bible, together with other originals such as precious gemstones that existed from the beginning of time.

This explains part of the attraction associated with these ‘non-virtual’ commodities – they existed for a very long time in human history, and presumably even before. Used throughout all generations and nations they have been and are one of the preferred ways to display symbols of value and are used as objects of beauty and style in jewelry. As a form of personal expression and ‘street art’.

Thinking of fashion styles we tend to look at clothing, hair styling and makeup first. However accessories are a major part of the outfit. Jewelry one of its coolest forms.

Why then is silver jewelry one of the constants that remain throughout history? What is the real mystery and the secret of silver? It’s not only its cool attraction — it is one of the commodities that existed before paper money, and it will retain it’s value after currencies are gone.

In a world that goes more virtual by the minute we keep a few valuables that have their own pre-set value outside our current reality. Currencies will go virtual, jewelry will not.

To give you an idea about the differences of investments in tangible and intangible products and how it works out in real life, let me give you an example that nearly did cost me $25.000 in the past.

During the first oil crisis I lived in New Zealand for a few years and had to invest my assets in appropriate channels at that time. Because back then not only oil prices went up, also other commodities such as gold and silver increased slightly in value and I decided to invest some money in metals.

After locating a company that advertised selling of gold bullion, I went to their downtown store and asked a clerk to purchase gold for about $25.000. I never did this kind of investment before and was a bit unsure about where to keep it save from curious people and for the possible event of burglars in the house.

Knowing what was on my mind the clerk asked me that memorable question “would you like to have this in gold options, stocks or physical bullion?” He went through great lengths to explain me the advantages of “gold papers” that follow the value of gold at any time, so increase in value if the gold price further increases. There would be no necessity to actually touch physical things, and I could cash in the papers at any time.

I almost agreed to his offer, when suddenly a small yet bright thought of warning flashed my mind. Something that a goldsmith I met before told me years earlier, he said: “If you ever buy gold, remember the reason why you buy it, and do not buy virtual gold, but the real thing only”.

This thought won in the end because my adviser taught me many basic things about jewelry and metals, and I highly respected his opinion. Turned out he was right. Less than 6 months later, the company I bought the bullion from faced bankruptcy and all their options, shares and other papers lost all of their value. I still had my physical gold however, that increased in value by about 10% at that time.

With that example fresh in mind, I personally still make distinctions when I buy personal products that enhance my lifestyle today.

Yes I invest a lot in software for example that enhances my virtual PC desktop, and helps websites function the way they should, and also loose a lot of it every few years when a harddisk or server crashes. I also enjoy the latest designer clothes, however they wear out and generally get damaged by usage over time.

However I keep a small collection of silver and gold jewelry in the same fresh looking condition as I originally bought it many years ago. These items never wear out, never go out of style. And never loose their value. It’s the real thing.

George Ahrens is editor at where you can find a fresh breeze in style of unique silver jewelry with a touch of smart elegance and sophistication. New designs with colorful precious gemstones that express vitality and dynamic energy. Bold statements of style, fun and timeless elegance.

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The First Thing On Your To Do List

Making out your Advance Directives must be first on your to do list. It is better to plan in advance then to rely on fantasies of how we think others would react to making decisions for us. Others may make decisions that may be in their own best interest not yours. Unplanned events sometimes occur in our lives that may take away the opportunity for us to make our own decisions. Why burden others with expense and timely legal problems.

A living will allows you to document your wishes concerning medical treatment when you are unable to speak for your self or nearing the end of life. A medical power of attorney allows you to appoint someone to be your health care agent, usually some one you trust, who will be authorized to make medical and health care decisions, (medical treatment, care provider and environment) on your behalf.

No matter what your age is or how long you expect to be in good health or to be alive planning for your health care in the event of a medical health crisis is a priority. Give yourself a voice. For many of us it is very difficult to talk to the ones we love about events that we do not want to see as possible or inevitable.

Talking to those you love about what to do in the event of a medical health crisis is important even though it is impossible to foresee every event or circumstance. Bringing in your family and friends into the process will help you get a feeling for who may be best able and willing to support the decisions that are import ant for you.

When talking about your decisions it is important to consider your values and beliefs, as this is very personal. Advance Directives can be changed as your health circumstance changes. With age and change in life style habits our physical bodies may be prone to certain disease progression or debilitating impairments of one kind or another. So reviewing and updating your advance directives is important.

Talk to your medical provider or doctor and let then know that you are making your advance directives. They will be glad to know this. Your doctor can answer your questions about your health and explain treatments and possible outcomes. Let your Doctor know about the quality of life you want in the event of a medical health crisis. >Find out if your doctor is willing to follow your wishes, as the law does not require them to, if they disagree and feel it is unethical or against their morals.

Consider the following:

  • Current age, life style and activity.
  • How you feel about doctors, caregivers and care-giving environments.
  • Your religious beliefs and your morals, values and ethical attitudes about care and illness.
  • Attitude about control and independence and the possible loss.
  • Health, illness, fearful situations of death and dying.

When you are ready to appoint a health care agent you may want to select some one you trust and understands your decisions. The person you select can be a spouse/partner, family member or a friend. It needs to be some one who is willing to act on your behalf. Some individuals may not be able to act on your behalf if they do not understand or agree with what you determine is the best and appropriate treatment for you. It is important to clarify what you want to reduce any remorseful feelings. Keep in mind that health care agents can make medical decisions when you are unable to, not just at life end.

You can obtain Advance Directives and Medical Power of Attorneys from your local hospital, long-term care facility, your physician may have them available, your local libraries reference desk, and your local Senior Law Office.

Partnership for Caring – Provides additional information about Advance Directives and Health Care powers of Attorney. They also provide forms that you can download for free. All they require is you completing a simple registration form. They do not share your information. Go to this link now to get your free Advance Directives: Partnership For Caring []

Tammy Gonzales Life Coach of RevitaLife Coaching & Consulting, LLC [] has created Handbook for Planning Into the Future for you to create a guide for your loved ones to get through the most personal and emotional event they will ever share. Put all of your affairs in order before the need ever arises; get started with the five-week motivational e-course to guide you through the process.

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Top Ten Ways To Have An Affair And Not Get Caught…

Most everyone believes when they get married that it will be forever. However, the reality in today’s world is that many marriages fail and result in divorce. Other married couples may fall out of love and grow to dislike one another more than they care to admit. But for a variety of reasons (kids, money, religious beliefs etc…), they remain husband and wife in theory primarily.

These types of marriages can inevitably lead one or both spouses to seek the comfort of another adult and eventually cheat on one another. Another scenario that may lead a married person to be unfaithful is an unexpected meeting with someone who sweeps them off their feet.

Despite their attempts to prevent this relationship from becoming an extramarital affair, they may find their feelings to powerful to deny and thus give into their desires to be with this new person. The saying “Life is too short…” comes to mind as justification for this new love or lust.

Yet other married people may consciously choose to cheat on their spouses. If you fall into that category, you probably have the art of not getting caught mastered already.

Regardless of what leads a spouse to break their wedding vows, here some of the best ways to get away with an affair.

  1. Never bring your lover to your home.
  2. Never go to your lover’s home (unless they are completely single and free from the ties of marriage and/or a serious relationship.) If they get caught by their significant other, chances are your spouse will also find out.
  3. Never call your new companion from your home phone and/or your cell phone (if your spouse has access to your phone record.)
  4. Never give your new friend your home phone number.
  5. Keep a low profile when you are out with your lover. You would be surprised how many people know you and/or your spouse, who unbeknownst to you may see you lavishing inappropriate attention on your new companion in public.
  6. Do your best to meet with your lover out of town – somewhere far enough away from home that you do not know people and people do not know you.
  7. Try to set up a regular schedule of “dates” with your lover. If your spouse expects you to be out of town for business overnight every Wednesday, he/she will not suspect anything when you maintain this schedule and include your new friend in your overnight stays.
  8. Do not become too confident in your ability to deceive your spouse. If you become too sure of yourself, you will get sloppy and you may get caught.
  9. Do not tell everyone you know about your illicit trysts. You should trust very few, if any, friends with your secret.
  10. Do not make promises you cannot keep. Nothing will prompt your lover to reveal your affair to your spouse quicker than your failure to fulfill some insincere commitment to end your marriage for him or her.

Resource Box – © Danielle Hollister (2004) is the Publisher of BellaOnline Quotations Zine – A free newsletter for quote lovers featuring more than 10,000 quotations in dozens of categories like – love, friendship, children, inspiration, success, wisdom, family, life, and many more. Read it online at –

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.