After more than twenty (20) years of handling personal injury cases and recoveries in millions of dollars, this Author has not produced a magic crystal ball that can determine the value of accident (tort) cases that insurance adjusters are willing to pay.

In other words, the value of your accident case is determined on a case-by-case basis, depending on various factors including, but not limited to, the following:

1. Seriousness of bodily injuries sustained;

2. Loss of earning capacity;

3. Amounts of past, present, and future medical bills;

4. Amount of loss of earnings;

5. Insurance policy limit of the responsible party;

6. Amounts of property (vehicle) damages to all vehicles involved;

7. Reputation of your attorney in aggressively prosecuting your case, including jury trial, if warranted;

8. Propensity of the insurance adjuster to make reasonable or low-ball offers of settlement;

9. Generosity or stinginess of the jurors or judge deciding your case in litigation;

10. Persistence of your attorney in securing higher settlement or award (in uninsured motorist claims);

11. Merits of your claim or case as to liability;

12. Percentage of your fault (contributory negligence);

13. Apportionment for pre-existing medical condition; and

14. Your need of money from the case.

(1) Seriousness of Bodily Injuries, (11) Merits of Claim, and (6) Amount of Property Damage:

A fender bender from a rear-end collision of low impact with minimal property damage may elicit a $500.00 offer for any bodily injury claim, in addition to the repair on the vehicle.

The prevalent policy of almost all insurance companies in offering $500.00 settlement for bodily injury claims in low-impact collision (property damage of less than $1,000.00) seeks to discourage bodily injury claims, especially in common rear-end collisions.

But serious bodily injuries (more than just the common soft-tissue injuries from sprain and or strain), with admitted liability by the other party's insurance carries and large property damage (car totaled or more than $5,000.00 in repairs) merit much higher value of bodily-injury damages for medical bills and pain and suffering.

Indications of the seriousness of the bodily injuries include, but are not limited to, the following:

1. Emergency room treatments;

2. Open wounds;

3. Fractures(s);

4. Loss of consciousness from the accident;

5. Sustained, constant pain for over six (6) months;

6. Lengthy medical treatment (over six (6) months); and

7. Positive orthopedic and/or neurological findings by specialists from indicated tests.

(11) Disputed Liability, (12) Contributory Negligence, and (13) Pre-existing Medical Conditions:

An intersection accident is a red flag for insurance adjusters to dispute liability. Who ran the red light? A traffic collision report is not conclusive on liability. The need to obtain names, addresses, and telephone numbers of eye-witnesses favoring your version of the incident cannot be over-emphasized.

Insurance adjusters who admit liability would minimize damages to their insured by pointing out contributory negligence on the other driver, such as:

1. Moving too fast for the condition of the road/freeway (California Vehicle Code 22350);

2. Not wearing seatbelt (California Vehicle Code Section 27315);

3. Following too closely (California Vehicle Code Section 21703); and

4. Making unsafe change of lane (California Vehicle Code Section 21658); and

5. Being inattentive or negligent in operation the vehicle.

In slip and fall cases, defenses of open and obvious danger, failure by the plaintiff to prove notice of a dangerous condition by the premises owner, as well as pre-existing medical conditions are commonly asserted by the insurance adjusted and defense counsel.

(5) Insurance Policy Limit, (10) Persistence of Attorney, and (8) Propensity of Insurance Adjusters:

The Insurance policy limit plays a large role in determining how much money your case is worth. For example, the average driver has a $15,000 per person / $30,000 max limit for damage done in car accidents. On the other hand, commercial vehicles can have policies from $150,000 upwards. Accidents relating to commercial vehicles have a great potential for large winnings.

Next, the persistence of the attorney makes a large impact on your case. This is not a place to skimp on attorney fees. A good attorney can pressure the insurance companies to settle for much more than a indifferent attorney.

Finally, the insurance adjusters themselves may be swayed with the details of the case. Accidents with families, children, and couples yield more emotional sway than single passengers. Adjusters may be willing to put up less resistance in such case and be more willing to settle for the maximum coverage.

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If you ask me what is the most important fact to look at a university in planning to study abroad. "Accreditation" is my answer, hands down! Accreditation is today as the "most important" word in the programming for schools. Before, I was of the opinion that the school offers scholarships or schools in big cities are the best options, but I started to believe that in a 2-scholarship year, or in the interest of life in a big city, nobody should be set or affordentire career in jeopardy. Accreditation decision, your career and life in a big way, if you're on a foreign soil. A friend of mine, who was younger than me went to medical school, a non-accredited school in the United Kingdom. After graduation, he was not considered for jobs or study options above. Instead, his classmates, the British origin have a job, even if they had a lower GPA. No matter for international students and local people are the opportunities, regardlessthe accreditation of the school are gone.

In common terms, accreditation is official recognition of a school or institution for the provision of satisfactory education, training or examinations. In turn, the employer can take help / agencies know that this setting if you have completed the training. Should choose an institution to obtain accreditation, or to give the offices listed below can make decisions, you want to exerciseaccreditation. The accreditation process requires the school to certain standards and criteria that are recruited from various agencies of regional accreditation, established following meeting --

New England Association of schools and universities (NEASC) accreditation provides schools in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont, Europe, Africa, Asia and the Middle East.

North Central Association of Schools and Universities (NCA) Provides accreditationschools in Arizona, Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Navajo Nation, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, South Dakota, West Virginia, Wisconsin and Wyoming.

Middle States Association of Schools and universities (MSA) provides accreditation for schools in Delaware, District of Columbia, Maryland, New Jersey, New York, Pennsylvania, Puerto Rico, U.S. Virgin Islands, Central America, Europe and the Middle East.

SouthernAssociation of schools and universities (SAC) provides accreditation for schools in Alabama, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Texas, Virginia, and Latin America.

Western Association of Schools and universities (WASCO) provides accreditation for schools in California, Hawaii, Guam, American Samoa, Palau, Micronesia, Northern Mariana Islands, Marshall Islands, Australasia and elsewhere in Asia.

Northwest Association of Schools and universities(NWCCU) Provides accreditation to schools in Alaska, Idaho, Montana, Nevada, Oregon, Utah and Washington.There is not legally designated accreditation agency in the United States and Europe. The only sure way the United States for use in schools is a complete review of the agencies mentioned above. I do not deny the existence of numerous agencies in the United States, but those that are generally accepted in fact even be mentioned here.

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