Accident Factoids

Accidents, personal injuries and insurance claims are here to stay. No matter how far into the 21st Century American's elect to drive (unless by the beginning of the 22nd Century we're all zipping around in our own personal space ship) motor vehicle accidents will continue to pile up; with no end in sight!

  • There are more than 200,000,000 licensed drivers in the United States. (As of 2003 we're close to a yearly 7 million motor vehicle accidents, involving well over 3.5 million injuries).

  • Car accident crashes cost society an estimated $4,900 per second. That's about $25,000 in the time it took to read this fact.

  • Current records show that most American driver's will have a near motor vehicle accident 1 to 3 times per month and will be in a collision of some type on the average of every 5 to 8 years plus these records also indicate that licensed teenagers are 22 more times likely to get a speeding ticket than those who are 65 years of age or older.

  • In 1896 there were only four cars registered in all the United States. Two of them collided with each other in St. Louis.

  • By the year 2025 there will be 33 million people 70 years or older in America. This segment of the population will be growing 2.5 as fast as the total population. They will make up the largest percentage of the "turning left" and "rear end" accidents. Slowly but surely Senior Citizens have developed a higher accident ratio than teenagers. (This will, in time, seriously impact the typical Senior Citizen's pocketbook). And also, by 2025, the total costs for motor vehicle accidents in the United States will exceed 450 billion dollars.

  • The world's most solitary tree is located at an oasis in the Tenere Desert in Central Africa. There's not one other standing tree within 31 miles. In 1960, it was smashed into by a truck.

  • Up-to-date statistics clearly reflect that 1 out of every 5 Americans are involved in an alcohol-related car crash at some time in their lives and the day in which motor vehicle accident injuries occur most often is Saturday. Sunday is second.

FIVE CRUCIAL MEDICAL DEVELOPMENTS THAT HAVE SLOWLY BUT SURELY COME TO PASS. THESE WILL SERIOUSLY (AND FOREVER) IMPACT THE VALUE OF PERSONAL INJURY CLAIMS IN THE YEARS TO COME:

  • Records prove that a motor vehicle accident of as little speed as 5 MPH can produce a "whiplash-type" injury.

  • The symptoms arising from an injury sustained in a motor vehicle accident do not necessarily present themselves immediately following an accident.

  • Medical research and clinical experience have accumulated enough information to demonstrate that the delay of an injury symptom is the norm.

  • Studies have established that the delay of a symptom does not eliminate the possibility of severe injury.

  • It's been proven that individuals can continue to be symptomatic for many months (even years!) after a motor vehicle accident. In addition approximately 75% of them remain symptomatic for a minimum of 6 months after the accident. (And current up-to-date statistics reveal that between the first and second year after an accident has occurred over 20% of those injured actually have their symptoms worsen).

    Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved

    DISCLAIMER: The only purpose of this article, MOTOR VEHICLE ACCIDENT FACTOIDS has been created to help people understand the motor vehicle accident claim process

    Dan Baldyga makes no guarantee of any kind whatsoever; 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.

    Dan Baldyga worked for over 30 years as an insurance adjuster, supervisor, manager and trial assistant. Since his retirement he has written 3 highly successful "How To" Insurance Claim books. His latest: AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) which includes BASE, The Baldyga Auto Accident Settlement Evaluation Formula for determining the value of ones "Pain And Suffering", can be found on the internet at http://www.autoaccidentclaims.com.

    About The Author

    For 30 years Dan Baldyga was a claims adjuster, supervisor and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims, so they will not be taken advantage of.

    dbpaw@attbi.com

    In The News:

    • pen paper and inkwell


    cat break through


    Insurance Credit Scoring: An Ethical Issue

    The issue at hand is the use of a consumer's... Read More

    Senior Life Settlement-Uses and Applications

    In a recent article in the National Underwriter (April, 2005)... Read More

    How Much Can My Auto Rate Increase After One Accident?

    Accidents almost always make your insurance rates increase. Whether or... Read More

    Tips On How To Save When Buying Car Insurance

    If you want to save money when you purchase your... Read More

    Choosing Long-Term Care Insurance

    A little over sixty percent of the folks who reach... Read More

    Senior Health Care Insurance

    Health Insurance For Seniors On The NetWhen a good friend... Read More

    Will Online Automobile Insurance Quotes Really Save Me Money?

    If you're looking to save money on your auto insurance... Read More

    Underinsurance Can Spell Disaster For Homeowners

    Insurance is meant to give homeowners peace of mind, but... Read More

    All Auto Insurance is Not Created Equal!

    Contrary to what you may have heard all auto insurance... Read More

    Term Life Insurance - A Safeguard for Small Business Owners

    Term life insurance can offer protection for a small business... Read More

    What Is Renters Insurance Really All About?

    Renter's insurance is protection intended for anyone who rents an... Read More

    How to Match the Right Insurance Policy to the 4 Stages of Life

    As we go through life our needs change. A Young... Read More

    7 Sure-fire Ways of Reducing Your Home Insurance Premium

    Home security improvement:All insurance companies will happily offer you a... Read More

    Online Insurance Quotes California Auto

    Finding insurance quotes for California auto is now pretty easy.... Read More

    What Does Buildings Insurance Cover?

    You will find that your lender will insist that you... Read More

    Inside-Information Regarding Your Motor Vehicle Accident Insurance Claim

    Here's some "Inside-Info" you must know so you won't be... Read More

    Insure Your House

    When we talk about insurance the thing you have to... Read More

    Global Warming: Why Consumers and Insurers Are Getting Hot Under the Collar Over Life Insurance.

    Global warming may have been lurking on our horizon for... Read More

    Cheap Insurance - Ten Ways

    Cheap insurance? Auto insurance, life insurance, health insurance, liability insurance... Read More

    MSA or HSA: Can I Keep My MSA Or Do I Need to Convert it into an HSA?

    The Medical Savings Account (MSA) is an older form of... Read More

    Types of Homeowner Insurance

    There are 6 different types of homeowners insurance in general... Read More

    Disability Income Insurance Can Meet All Your Financial Needs

    Disability income insurance can cover you in the event of... Read More

    Medical Insurance Overseas

    Thousands of people have work related commitments and in order... Read More

    Auto Insurance Primer

    What is auto insurance? Auto insurance (or car insurance, motor... Read More

    Buildings Insurance and the Threat of Flood

    What is the impact of increased flooding risk in the... Read More

    Life Insurance No Medical Exam - Is It Really Possible?

    Quite often you feel that an ad for life insurance... Read More

    Homeowners Insurance at a Glance

    At first glance, homeowners insurance may seem perplexing and quite... Read More

    Why Dont Women Have Life Insurance?

    Traditionally, life insurance companies solicited men as the main breadwinners... Read More

    Motor Insurance with Pass Plus

    Is pass plus really worth it? What motor insurance discounts... Read More

    Choosing Affordable Health Insurance For Children

    In most cases, private health insurance comes through a person's... Read More

    How Do I Calculate How Much Life Insurance I Need?

    Life insurance protects you and your family from economic hardship... Read More

    What To Do When You Suffer An Injury On The Job?

    For over 30 years I have been representing injured workers... Read More

    Health Insurance for the Beginner

    When it comes to your family, selecting the right health... Read More