Personal Injury Insurance Claim - The Insurance Process, Strategy And Negotiation

A personal injury insurance claim can be settle without an
attorney. Make no mistake. In fact, the great majority of personal injury claims
do not involve attorneys. The reason for this is the high legal fees and cost
that will be tackled to your settlement. So learning the process and handling
your claim can save you a bundle and increase your injury compensation.

The personal injury insurance claim process starts when you
go to the doctor. As soon as a medical professional treats you, you will be
considered "injured". When people claim headaches or similar injuries, the
adjuster will not allow payments for pain and suffering unless they think they
can settle the day you filed the claim. Most of the time, however, there will
want to see some objective evidence of the injury.

Most insurance companies will try to settle the person
injury insurance claim (as oppose of your personal injury "legal" claim) as soon
as they think they can get a settlement and release form from you. This document
will be an agreement between you and the insurance company in which you agree
that you will not present a legal claim against the liable party in exchange of
a certain amount of money. This agreement will be honored (most of the time as
it can be disputed) in a court of law.

Personal Injury Insurance Claim - The Insurance Process, Strategy And Negotiation

It is not unusual to find insurance adjusters trying to
settle in your first conversation. They can have a recorded agreement on the
phone that could have the effect of an agreement and release.

If you do not settle, then the personal injury insurance
claim will continue. You will follow a treatment schedule and your medical bills
will be paid by your insurance company by your
Personal Injury Protection Coverage.
Both insurance companies will send you a Medical
Authorization From. This form entitles them to ask for your medical bills and
records. You insurance company will not pay the medical bills until you give
them the form. This is perfectly legal. Courts have ruled that if the insurance
company is required to pay the medical bill, they are entitled to see the
reports. However, you do not have to give this Medical Authorization form to the
insurance company of the person that hit you. You can withhold the records until
you are ready to settle.

After you insurance company pays, they will be reimbursed
by the responsible party's insurance company but only when you settle. This can
take up to three years, depending on your state's bodily injury statute of
limitations. However, your insurance company will not pay for you pain and
suffering and general damages. You have to settle those by yourself.

The personal injury insurance claim process will focus in
your medical treatment. The insurance carrier will be sending you letter and
asking you to report your medical condition. If they believe that you are over
treating, they will send a letter to your own insurance company telling them
that if they pay for your medical bills, they will not reimburse them. This is a
technique to put pressure on your own insurance company to review the medical
records and decline payment in anything that does not appear to be accident
related.

Once you feel better, you are back to "pre accident
condition", or you are release from treatment, the other person's insurance
company will be asking you for the medical authorization form again. You can
declined to turn it in, but you can collect the medical records yourself, review
them, exclude whichever ones you believe do not help your case, and submit the
rest (just like a lawyer would do). Most people will just sign the medical
authorization from, giving the insurance company the right to see every record
in your medical history.

The next step in a personal injury insurance claim is the
evaluation process. Once the insurance company receives all medical records and
reports, they will "compare" your injuries and treatment to similar cases in
your area and find the average jury award. Their first offer is the lowest
amount they believe a jury would award you. You can negotiate that amount to
what you believe a jury would award you.

Once there is an agreement, the insurance company will send
you a settlement of any and all claims form. Once you returned signed, they will
issue you payment and the claim will be settled. At that point, your insurance
company will be reimbursed for your medical bills.

Click here for more information about your personal injury insurance claim.

Personal Injury Insurance Claim - The Insurance Process, Strategy And Negotiation
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All the best,
Hector Quiroga
www.auto-insurance-claim-advice.com

Hector Quiroga has a high interest in helping consumers gain knowledge of the auto insurance claim process for both property damage and bodily injury claims. He covers in great detail what a car accident investigation entails and share many helpful tips for dealing with insurance companies and adjusters.

Buying a New Motorcycle - Dealer Negotiation Tips

You've made the big decision: it's time to buy a motorcycle. You've done your research and you basically know what style, and maybe even what particular model you want. Now, it's time to head to the showroom and make a deal! Before stepping foot into your local motorcycle dealer, keep this in mind: prices are often non-negotiable... particularly on popular models.

Motorcycle dealers do not work with the same high profit markets as car dealers, and are much less capable of making a better deal than what's listed on the price tag. But, slow-selling models (those usually on sale) sometimes have a bit of negotiation room. And, of course, you're always free to try and get a few accessories (helmets, gloves, maintenance) thrown in to seal the deal.

The good news is that motorcycle dealerships are not nearly as stressful to deal with as their automobile counterparts. The salesmen at these dealerships usually aren't very pushy, so it may be up to you to ask a lot of questions.

Buying a New Motorcycle - Dealer Negotiation Tips

Many dealerships don't allow test drives, but they should at least permit you to sit on the bike you're considering and start the engine.

When checking over a bike consider these important factors:

-Whether or not the seat is comfortable.

-If the handlebars are comfortable.

-If your knees rest neatly on either side of the gas tank.

Next, it's time to check the engine. Rev it up! Take notice to see if it features a nice smooth feel at high RPM's, or if it feels buzzy instead.

Also, consider the weight. Does it seem like it will be easy to control? Can you easily pick it up off of the ground?

Now take note of this important tip: don't buy any bike on your first visit! Even if you've fallen in love with it! Always check out bikes form a few different manufacturers before making this all-important decision.

Once you've made your final decision, return to the dealership of your choice and choose from their current inventory.

While price haggling usually isn't an option for bike buyers, trying to get a few free-bees thrown is isn't out of the question - especially if you are a cash buyer. Of course, most dealers now offer their own financing options, so if you don't have the cash upfront, you can still purchase the bike of your dreams.

As you can see, buying a motorcycle is a bit different from buying a car - but it can also be a lot easier, quicker and much less of a hassle! Now, get out there and find yourself the bike of dreams.

Buying a New Motorcycle - Dealer Negotiation Tips
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The Rules of Negotiation

How many Sales people really understand NEGOTIATION? Sadly too few.

Many enter the negotiation cycle without realizing they are in a critical part of the Sales Process... and if you are a sales person, and unable to determine where the boundaries are, read on.

NEGOTIATION, when used well is a highly powerful Sales Tool, but how many of us really use it to best effect? How many Sales people are 100% prepared when it comes to negotiation. Not many.

The Rules of Negotiation

Indeed negotiation is not always related to Sales situations. For example we have all had the discussions with our siblings along the line of: "Can you take me to the pictures tomorrow?", responding with: "Only if you tidy your bedroom". Indeed a primitive, but often effective negotiation, and indeed one (if carried out) can lead to a 'win - win' outcome!

It is vitally important to recognize when the sales process enters the 'negotiation phase'. Failure to recognise this may be detrimental to your desired outcome, and do the salesman a disservice.

So, what is negotiation?

I have over the years heard many definitions, but the simple ones are always the best:

"The exchange of tradables to facilitate an agreement".

Simple!

And what are tradables? And more importantly, how many sales men can list them?

Tradables are the areas where a Salesman or a Buyer can 'give a little'. The obvious one is price, or more accurately, cost of goods/service. But there are many others too. They can include aspects such as product/service specification, payment terms, delivery and quantity.

Let us look at some sales examples.

The buyer says "Yes, I like the look of your resistors, and if you can get the price down by 10% then we can do business."

The inexperienced salesman, who does not realise that the negotiation phase has just been entered is inclined to say "Yes" in great haste to close a deal. However, the more experienced salesman who has a clear understanding of his tradables may respond in one of the following ways:

"Of course, but I will need you to commit to a 12 month agreement for me to guarantee this price"

or

"We can meet this price, but we will have to provide the product without the wired connectors"

Another example would be:

Buyer - "If you can guarantee delivery by the end of the month then we can place an order now".

Again, the inexperienced may jump at the offer, but the more measured approach would be: "Of course, but we will need to engage our team in overtime to meet the deadline, therefore it will attract a 10% price premium".

Salesmen naturally believe that the Buyer has a the upper hand, particularly as he may have a choice of suppliers. However, if you have reached the negotiation phase, it can be assumed you are winning the competitive battle. At this point the sales man should never underestimate the strength of his proposition.

It is not unknown for a negotiation to break down irretrievably, although with thorough preparation by both sides, this is an unlikely outcome.

The outcome of a negotiation and subsequent business deal fall into three categories. The first, a 'win - win' is the most desirable, both sides feel good about what has been achieved, and it is a great foundation for further business between the two parties.

A 'win - lose' is where one company is delighted with the deal, and the other is regretting the agreement, and feeling 'stitched up'. Frequently the 'delighted party' is oblivious of the thoughts of the 'aggrieved party'. In this case, unless some remedial work can be done on the relationship, it is highly unlikely that the parties will do business together.

The final outcome is a "lose - lose" outcome. Both parties feel the deal was poor, and such outcomes should be avoided at all costs. However, they do happen due to business pressures, expediency and other compelling issues. Indeed it is highly unlikely that these parties will do business again with each other.

So how do we ensure that outcomes are 'win - win'.

Simple - preparation is key. A salesman MUST know and understand his tradables. A buyer may have different tradables depending on what he is buying. Both parties must accept that transaction value can be talked up as well as down.

Typical tradables for a salesman would be (and these can be traded up and down):

Delivery time

Order value

Quantity

Contract duration

Product finish (specification)

Packaging

Packing and delivery costs

Insurance cover

Delivery frequency

Payment terms

In summary, the best salesmen recognize their tradables, they can recite them at a moments notice, and they recognize the simple signs of negotiation. Furthermore, they have an empathy to the needs of their customer in order that all outcomes are 'win - win.'

Happy Selling.

The Rules of Negotiation
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Ian Thomas FInstIB

Southern Group Business Advisers http://www.sgba.co.uk

Hampshire, England
T: 0870 787 7590
e: ian.thomas@sgba.co.uk

Top 20 Common Interview Questions and Answers

First and foremost congratulations if you have an interview! That in itself is commendable, so now you just want to make sure you come across in the best possible light. I have been asked numerous times what to do in preparation for interviews. Whilst there is no way of predicting exactly what you will be asked, here are 20 common questions that tend to come up. This is by no means an exhaustive list. The purpose is to illustrate the importance of preparation and refreshing your memory regarding specific projects and situations.

1- Tell me about yourself. This is probably the most asked question in an interview. It breaks the ice and gets you to talk about something you should be fairly comfortable with. Have something prepared that doesn't sound rehearsed. It's not about you telling your life story and quite frankly the interviewer just isn't interested. Unless asked to do so, stick to your education, career and current situation. Work through it chronologically from the furthest back to the present.

2- Why are you looking for another job (or why did you leave your previous job)? On the surface this appears to be a simple question, yet it is easy to slip. I would suggest not mentioning money at this stage as you may come across as totally mercenary. If you are currently in employment you can say it's about developing your career and yourself as an individual. If you are in the unfortunate position of having been downsized stay positive and keep it brief. If you were fired you should have a solid explanation. Whatever your circumstances do not go into the drama and detail and stay positive.

Top 20 Common Interview Questions and Answers

3- What do you know about this organisation? Do your homework prior to the interview. Doing the background work will help you stand out. Find out who the main players are, have they been in the news recently? You're not expected to know every date and individual yet you need to have a solid understanding of the company as a whole.

4- Why do you want this job? This questions typically follows on from the previous one. Here is where your research will come in handy. You may want to say that you want to work for a company that is x, y, z, (market leader, innovator, provides a vital service, whatever it may be). Put some thought into this beforehand, be specific and link the company's values and mission statement to your own goals and career plans.

5- Who are our main competitors? This shows you really understand the industry and the main players. Think about a few and say how you think they compare; similarities, differences. This is a good opportunity to highlight what you think are the company's key strengths.

6- What would your previous co-workers say about you? This is not the arena for full disclosure. You want to stay positive and add a few specific statements or paraphrase. Something like "Joe Blogs always mentioned how reliable and hard working I was" is enough.

7- How do you handle stressful situations and working under pressure? There are several ways of addressing this one. You may be the sort of person that works well under pressure; you may even thrive under pressure. Whatever the case may be just make sure you don't say you panic. You want to give specific examples of stressful situations and how well you dealt with them. You may also want to list a few tools you use to help you, such as to do lists etc. It is alright to say that if you feel you are way over your head you will ask for assistance. It is equally acceptable to say that you work best under pressure if this is indeed the case and relevant to the particular role.

8- Are you applying for other jobs? If you are serious about changing jobs then it is likely that you are applying to other positions. It is also a way of showing that you are in demand. Be honest but don't go into too much detail, you don't want to spend a great deal of time on this. If asked about names of who you have spoken to it is absolutely legitimate to say you prefer not to disclose that information at this stage.

9- What are you like working in a team? Your answer is of course that you are an excellent team player; there really is no other valid answer here as you will not function in an organisation as a loner. You may want to mention what type of role you tend to adopt in a team, especially if you want to emphasis key skills such as leadership. Be prepared to give specific examples in a very matter of fact sort of way.

10- What sort of person do you not like to work with? This is not an easy one as you have no idea whom you would be working with. Even if you can immediately think of a long list of people you don't like to work with, you could take some time to think and say that it's a difficult question as you have always gotten on fine with your colleagues.

11- What is your greatest strength? This is your time to shine. Just remember the interviewer is looking for work related strengths. Mention a number of them such as being a good motivator, problem solver, performing well under pressure, loyal, positive attitude, eager to learn, taking the initiative, attention to detail. Whichever you go for, be prepared to give examples that illustrate this particular skill.

12- What is your biggest weakness? A challenging one, as if you so you have no weaknesses you are obviously lying! Be realistic and mention a small work related flaw. Many people will suggest answering this using a positive trait disguised as a flaw such as "I'm a perfectionist" or "I expect others to be as committed as I am". I would advocate a certain degree of honesty and list a true weakness. Emphasize what you've done to overcome it and improve. This question is all about how you perceive and evaluate yourself.

13- What has been your biggest professional disappointment/achievement so far? If asked about disappointments mention something that was beyond your control. Stay positive by showing how you accepted the situation and have no lingering negative feelings. If asked about your greatest achievement chose an example that was important to you as well as the company. Specify what you did, how you did it and what the results were. Ideally pick an example that can relate to the positions you are applying for.

14- What kind of decisions do you find most difficult to take? There is no right or wrong here. The logic behind this type of question is that your past behaviour is likely to predict what you will do in the future. What the interviewer is looking for is to understand what you find difficult.

15- Tell me about a suggestion that you have made that has been successfully implemented. Here the emphasis is on the implemented. You may have had many brilliant ideas, but what the interview is looking for is something that has actually materialised. Be prepared to briefly describe how it went from an idea to implementation stage.

16- Have you ever had to bend the rules in order to achieve a goal? Beware of this type of question! Under no circumstances is it necessary to break company policy to achieve something. Resist the temptation to answer and give examples, as what the interviewer is looking for is to determine how ethical you are and if you will remain true to company policy.

17- Are you willing to travel or relocate if necessary? This is something you need to have very clear in your mind prior to the meeting, if you think there is any chance this may come up. There is no point in saying yes just to get the job if the real answer is actually no. Just be honest as this can save you problems arising in the future.

18- Why should we hire you? This is an important question that you will need to answer carefully. It is your chance to stand out and draw attention to your skills, especially those that haven't already been addressed. Saying "because I need a job" or "I'm really good" just won't cut it. Don't speculate about other candidates and their possible strengths or flaws. Make sure you focus on you. Explain why you make a good employee, why you are a good fit for the job and the company and what you can offer. Keep it succinct and highlight your achievements.

19- Regarding salary, what are your expectations? Always a tricky one and a dangerous game to play in an interview. It is a common mistake to discuss salary before you have sold yourself and like in any negotiation knowledge is power. Do your homework and make sure you have an idea of what this job is offering. You can try asking them what the salary range. If you want to avoid the question altogether you could say that at the moment you are looking to advance in your career and money isn't your main motivator. If you do have a specific figure in mind and you are confident you can get it, then it may be worth going for it.

20- Do you have any questions for us? This one tends to come up every time. Have some questions prepared. This will show you have done some research and are eager to know and learn as much as possible. You probably don't want to ask more than 3 or 4 questions. Try and use questions that focus on you becoming an asset to the company. A generic one might be "how soon can I start if I were to get the job". Another idea is to ask what you would be working on and how quickly they expect you to be able to be productive. Remember to ask about next steps and when you can expect to hear back.

Bear in mind that the interview starts from the minute you walk into the building until you leave and are out of sight. Don't think that just because you have left the meeting room, you are "off the hook". You need to maintain an image of confidence, enthusiasm, competence, reliability and professionalism throughout.

One final question from me to you:

"What is the most bizarre question that you have been asked in an interview"? Thanks in advance for sharing. Good luck!

Want to read more articles written by Ana? Visit http://aimtobe.co.uk/life-and-business-coaching-blog/ where you will be able to get the full experience with images etc as well as sign up for a FREE coaching session.

Top 20 Common Interview Questions and Answers
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Ana Antunes da Silva
Aim to Be - Life & Business Coaching
http://www.aimtobe.co.uk
M: +44 (0) 7825 809134

Four Negotiation Styles

Although four generic negotiating styles can be identified, rarely does a person employ solely one style. People have a preference for a particular style and can exhibit elements of any of the others.

Each negotiating style has its pros and cons, and some aspects of each are at times needed in different situations.

The Bully Style

Four Negotiation Styles

An easily identifiable style is that of the bully. He is powerful, commands attention and has a high energy level. His modus operandi is to push for action, is usually loud, and is confrontational. He is totally insensitive to the feelings and needs of others, wanting to attain his own outcomes at all cost.

The advantages of this style are that he commands attention for a key point, and that negotiation can be brought to a rapid close.

Unfortunately, this style of negotiator will miss subtle points in the negotiation which could adversely affect the outcome, and has an: it is my way or the highway attitude.

Nonverbal characteristics of this type are an exaggerated posture of leaning forward, excessive use of pointing, and very direct eye contact.

This style is very limited in its usefulness, and certainly does not encourage a win/win outcome.

The Manipulator

Although not lacking in empathy as much as the Bully, the Manipulator still has a disregard for the feelings of others. He has a low level of energy, largely keeping a low outer profile, speaking in a careless-type of voice, almost condescending.

His modus operandi is to manipulate the other party to expose their weaknesses and get them to concede to his desired outcomes. He plays a cat and mouse game and is sly.

The Manipulator quickly draws attention to real threats that could affect an agreement, and can surreptitiously provoke debate.

On a negative side, he may distort information or bend the truth while exploiting the weaknesses of the other party.

Nonverbal characteristics include, slouching or leaning back with hands behind his head, and using fleeting eye movements as he surveys the group, both his team and the opponents.

The Confident Style

This is your people-person. He gives equal attention to the relationship of those present as he does to the issue under investigation. He exudes high energy and is always looking for better ways to have all parties work collaboratively.

He usually finds it easy to focus on the key points, and likes to openly discuss possible options. His negotiating style is flexible and he adapts it to the situation as required.

He will work at achieving a win/win situation at best and a compromise at worst. His voice is pleasant.

Although he wins people over, he can appear aggressive, and because of his enthusiasm, he may fail to listen properly.

His nonverbal characteristics include an erect or only slightly forward leaning posture whether sitting or standing, lots of hand movements, and good eye contact.

The Persuader

The negotiating style calms the meeting. This person has low energy and is even further on the continuum of a people-person.

His voice is calm and makes gentle suggestions when he speaks. His main interest is in making sure that everyone is happy and is getting, of least importance to him is the outcome.

This style is very useful when the negotiation has become heated to settle everyone, and it is also good for looking into some of the deeper issues.

A disadvantage of this negotiating style is that it can be regarded as insipid by the other side as the Persuader is not interested in reaching an outcome, enjoying the negotiation process for itself alone.

Nonverbal cues are a neutral posture, smiling face, good eye contact, attentive, and us of hands when talking and when thinking.

Can you identify yourself with one of these? Whose characteristics do you mostly demonstrate, the bully, the manipulator, the confident person, or the persuader?

Also assess people you know, where do they fit?

Next time you are in a negotiation situation be aware of yourself and the other party, every extra piece of information will assist you in getting your desired outcome.

Four Negotiation Styles
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Gloria M Hamilten is a recognized authority in disciplines within Personal Development and Corporate trainings, and in Neuro-Linguistic Programming.

She has her own training business, and conducts courses for Businesses, Sporting groups and Educational Institutions in Australia.

Her professional experience covers over 30 years of study, research, one-on-one coaching, group coaching, presentations and workshops. Her clientele includes children as well as adults.

Gloria is the author of the well-received eBook: "Hypnosis De-hyped."

Her website provide a wealth of informative articles and resources on everything within these genres. Visit her websites:

[http://www.connect4results.com]

http://neuro-linguistic-pro-site.com

This article may be freely reprinted or distributed in its entirety in any e-zine, newsletter, or website. The author's name, bio and website links must remain intact and be included with every reproduction.