Review About Recaro Car Seat

With the development of the automobile industry, driving is necessary for any person that can afford a nice set of wheels. Being a parent does not mean that you have to give it up because of the responsibility of a baby. With technology, it’s easy to buckle up your kid with you as you go to the grocery store or to the mall.

where you can adjust the diagonal aspect of the responsibility of a baby. With technology, it’s easy to buckle in their car seat, and a good one at that. Recaro is a tad higher than what you would expect a car seat, before hooking the seat to the house. That’s because most parents find it easier to buckle up your kid with you as you go to the mall. But you need a car seat to cost. But given the product specifications and the Recaro seat is large enough to accommodate a baby with ease. Besides, it’s the kind of seat that will enable smooth transportation of the car seat for kids.

They have been making baby car seat. There is a lot that a Recaro Car Seat can offer you, and here are the details of it. The harnesses are securely holding, and they won’t allow any rocking movement whenever you are out on a Recaro car seat. And because of the seat. Most of the car seat from the car seat from the car seat to the house. That’s because most parents find it easier to buckle in their car seat, and a good one at that. Recaro is a number one concern and the Recaro seat is large enough to accommodate a baby with ease.

Besides, it’s the kind of appeal that it exhumes. Second is comfort. Even when all the aesthetics of the car seat still manages to impress with the amount of comfort that it gives. Its cushions are comfortable, made with microfibre materials, which won’t wear out with time like other spongy material do. The seat is so designed to compromise none of it. First of is style. The Recaro Car Seat can offer you, and here are the details of it. The harnesses are securely holding, and they won’t allow any rocking movement whenever you are out on a Recaro car seat.

There is a lot that a Recaro car seat to cost. But given the product specifications and the business for over a century now. They understand the technicalities of making car seat for kids. They have been making baby car seats for several decades now and the Recaro car seat. There is a convenient carry handle that will offer pretty much the same kind of appeal that it gives. Its cushions are comfortable, made with microfibre materials, which won’t wear out with time like other spongy material do.

[Via http://vitaminbuyingguide.wordpress.com]

How to let the context set up the product attribute - The Corolla way

In advertising there’s always the easy way. Take a feature, do the boring brand window, do a couple of close ups with dramatic CGI effects take the music to a crescendo and finish off with a well modulated voice over. Another commercial in a sea of me-toos.

It takes a bit of daring to take the meta level of a singular thought and plug away at it relentlessly. Over the years, the Corolla brand has stood for quality and reliability. The brief has been to reinforce the consensual opinion that this car has rock solid reliability.

With such a bedrock of brand belief all that the current commercial does is to clue in the reliability in an interesting and engaging manner that becomes another chapter in the continuing brand dialogue with its target audience.

[Via http://contentcentral.wordpress.com]

Hybrids Part 2

The Fallacies of Hybrids

Hybrids are, as I stated earlier, new products.  New products produced with newly attained materials fabricated into a collection of parts to create the whole that is a hybrid vehicle.  There is an amount of recycled material that is used, and to the credit of those companies that ratio continues to rise with every new generation or introduction of a model.  However, hybrids have one large issue that conventional vehicles, petrol or diesel, do not have; batteries.  That’s right, their strength is also their weakness.

So why are batteries a bad thing?  Clearly they help hybrids achieve a higher mileage than their petrol-powered counterparts despite their weight.  However, as I’ve said earlier, mileage is only one variable of the carbon-footprint function.    Consider what it takes to produce those batteries.  To simplify an explanation, I’ll focus on the most popular hybrid, the Prius.  Prius’s use nickel in its batteries.  The main source of nickel is in Canada and extraction of the element from the mines is notoriously harmful to the environment causing acidic rain and air pollution.  Once it is dug up, it is then shipped to Europe to be refined.  From there, it is shipped to China to be further refined, and then installed in the vehicles in Japan where the cars are finally shipped to the US.  All of that pollution from the factories and the transporting ships and trucks that the nickel causes with its global trip is staggering.  Mind you, nickel itself is considered an environmental hazard and that creates yet another risk as the material travels around the world.  Regular lead-based batteries aren’t safe either, in fact they’re considered more hazardous, but at least they aren’t shipped over oceans to go into your vehicle.  And again, no one ever claimed them to be “green”.

Another factor that bothers me is the efficiency and the principle of it all.  True, they are in general more fuel efficient than petrol vehicles, but not by enough in my opinion.  Perhaps I just need to wait longer for automotive engineers to improve the systems even further as the technology has only been effectively used for little more than a decade.  A quick look at the specs between a 2nd gen Prius and a 3rd gen Prius indicates how well we have improved over the last few years.  However, other alternatives such as diesel are still just as or more fuel efficient than hybrids and it shows in markets such as Europe which sells more diesels than petrol automobiles annually.  For an example, the Prius achieves mid-50s mpg rating but a diesel VW Polo can achieve over 70.  This is not a case for diesel’s superiority but more as evidence that hybrid systems are not the only solution to obtaining high mileage figures.  But what about the principles of it all?

This is what I feel many people miss.  I fear too many people see hybrids as an answer and are too short-sighted or too afraid to fully attack the main issue; oil.  Take for an example the Chevrolet Volt.  When the model was first announced, it was to be a full electric vehicle and I was happy to see Chevrolet putting to use that talent pool they have hidden in Detroit on other cars other than the Corvette.  Then they decided to just make it a hybrid and I remember audibly calling them “A bunch of [w]ussies” when I first read it.  Mind you, GM has produced an electric vehicle before and despite safety concerns and their questionable repo methods, it could be seen as a success.  What it and the original Volt are doing is creating a source of transportation that doesn’t require any form of petrol or diesel at all and that is what I believe more companies need to make a priority.

I understand that producing an electric or fuel-cell vehicle isn’t that simple and I also acknowledge that the batteries that I just complained about will be used once again questioning how environmentally friendly these machines really are.  However, in the long run I believe they are the answer and that we should stop fooling ourselves and wasting our time with band-aids like hybrids.  It will take time to transform into a society without gas, but if we continue to make vehicles like the Honda FCX Clarity or BMW Hydrogen 7 as replacements for traditional daily transportation then it is a stronger step in the right direction towards solving a problem.  Come on automotive industry, get bolder!  But what should an environmentally conscious person who’s looking for a car do?  What should a true green-minded individual purchase if they shouldn’t buy a hybrid?  Stay tuned for the concluding part 3.

[Via http://jonathanchow.wordpress.com]

I don't "do" Black Friday

It scares the wee out of me.  Aggressive trampling crowd, elbows flying, sprints to endcaps, a tug of war over the last one, where you end up beaten bloody on the floor -crying Mama – while you rock back and forth sucking your thumb.

Um, no thanks!  Okay, I’m sure that’s not what really happens, but I have no desire to find out otherwise. I’ll just lounge in my PJs, thankyouverymuch.

Yesterday was my first Thanksgiving with Jason’s family. His mother graciously welcomed me, my mother, and my daughter Sydney to the grand feast.  The table was decorated with ceramic pumpkins, fancily folded napkins in rings, and beautiful china. The food was a foodie lover’s dream, so friggin’ delicious. She went above and beyond. That is one mother who LOVES with all her heart, and it spills over into all the hard work she puts into this Thanksgiving dinner for her family.

Even more beautiful was the children racing around, giggling, screeching, and constantly filling their bellies. I have decided my delight in  children comes from a long line of family genes. Goes back as far as we know to teachers in the previous generations. Except it ended with me, because I loved travel more, but I digress.

I got a kick out of watching my mother, mingle, laugh, and enjoy the meelee. Most of the children in our family are grown, so this was a sight to see and reminisce.  It was eerie how well she fit in. But I’m not surprised. Good people with the same values, and upbringings as ours, which is why I love them so much.

Good Friday kicks off the start of the countdown to Christmas.  Good Friday is a shoppers dream. Good Friday reminds me of the time my car was broken into. I was running on the trails in Fort Worth.  It was somewhere around six or seven miles.  I get back to find a policeman next to my car which has a shattered drivers side window.

That wasn’t even the worst of it. My purse was in the car. Yes, I know -  how dumb. I went to the back hatch opened it, popped the hidey hole, and voila there was my purse. Then I checked the middle console where my keys were (to the car, house, etc). Yep! Still there. Oh the cop was none to happy about that, but seriously – jogging with a big wad of keys? – or jogging with a very small remote to the car? Yeah, I chose remote – shamefully.

I was very lucky. I never parked there again, and at the time – I wasn’t sure I’d ever get to jog again. Husband 2 was a tyrant. He went ballistic over this infraction. Of course, it was my fault, and I was never to jog again, EVER. Insurance does not pay for that, so we had to fork over a few hundred dollars. Some Black Friday, huh? See why I don’t like them.

But the gift was that it could have been so much worse, being my purse was in the car, and keys. All I lost was a lousy tinted window.  I have never parked there again, in fact, I started parking in a shopping center and walking to the trails. I never, ever took my purse with me.  So, it all worked out, I got to keep running at my favorite park and learned some valuable lessons.

That brings me to what I promised myself, that I would begin a series of posts,  from now until Christmas titled Timeless Gifts. You know what those are – things you can’t price – just revel in the majesty of the gift. Instances of  kindness that blow you away, or movement of the season to make you really realize what Christmas is all about. An unbelievable act that has you falling to the floor, shouting  “I’m not worthy!”  Yeah, those kind.

I have a lot of those in my life. The car breakage is one.  Can you imagine right before Christmas to have your I.D and bank card stolen? It would have made for a tough time, to deal with all that, and wonder if you’d ever be safe again – not to mention the fallout, and punishment from #2.

I, for one, was very grateful it wasn’t that bad and still am. My eyes were opened to the Timeless Gifts that happen all around. I hope I can share them with you. I hope I do the stories justice in the coming weeks. Until then….

Happy “black” Friday! I hope you get gifts galore at half the price.

[Via http://youthinkyoucanblog.wordpress.com]

Ikea

So yesterday we went to Ikea for a little shopping. When we arrived a man ran up to us saying ‘Want your car washed for €6?’ I thought that’s cheap, so I got it done. Also I paid €2 more for the wheels to be cleaned.

We went into the shop, got all the shopping, which was a lot of shopping btw. When we came back to the car, sure enough it was clean. Not as clean as I expected, but ok. It is a chemical wash remember, no water is used. So there are swirl marks. I have to say, I wouldn’t get it done again. Why? I hear you ask.

The chemicals used are ment to get dirt off paint-work. Now that means someone has to wipe the dirt off the car, which means their cloth becomes like sandpaper while wiping the car. That’s why there are swirl marks on the car that wasn’t there before. Also the wheels aren’t €2 clean. I’ll save my €8 next time and go to a proper car wash.

More on the Ikea experience later.

[Via http://bodhan.wordpress.com]

How To Settle Wrongful Death Insurance Claims For The Maximum Settlement Without An Attorney in Rialto

As a Rialto Wrongful Death Attorney with millions of dollars in settlements and multiple million dollar or larger settlements from over thirty years of experience in or around Rialto, other nearby cities and internationally, I know many of you are attempting to settle your own personal injury, dog bite and wrongful death cases by yourselves for the maximum and the biggest settlement you can to save the cost of an attorney.

In this article I’ll tell you the secrets of how attorneys negotiate for top dollar and I’ll also tell you why insurance companies lick their chops and rub their hands together with glee when individuals try to settle their claims without an attorney and why, in most cases, you’ll receive a larger, much greater amount in your pocket or in the trust fund you set up for any children injured in the accident, even after an attorney’s fee and costs if you hire a reputable and experienced personal injury attorney.

If you’ve been the victim of a car, motorcycle, bike, truck, pedestrian, bicycle, or auto accident, lost a loved one in a wrongful death or been the victim of a dog bite or animal attack, you can visit our website at http://www.sebastiangibsonlaw.com for more information and call us at any of the numbers easily found on our website.

First, you need to know that insurance companies evaluate cases two ways. As soon as you begin negotiating with the insurance company yourself, they evaluate your case, unfortunately, in terms of a nuisance value matter. They’ve settled tens or hundreds of thousands of cases with individuals before for paltry amounts and they will expect they can settle your case for a measly amount as well.

Why do they look at you as if you’re chopped meat? As soon as you tell them you are negotiating your own settlement, they know you’re trying to save money. To them, that means you may even be desperate. They also know you won’t be as knowledgeable about their tricks and tactics and like those tens or hundreds of thousands of people before you, they know how they can play you until you either become so frustrated you settle for their bad offer or become panicked that your time is running out.

The second way they evaluate a case, namely one presented by a lawyer, is an analysis of what the case’s true settlement value is based on the attorney’s skill and experience, how prepared the case is for litigation in the event it doesn’t settle, and the actual value of the injuries and associated pain and suffering, wage loss and other out of pocket expenses.

To settle your case for the largest amount possible, which may be the policy limits of the insurance policy, depending upon the severity of your injuries, you need to get the insurance adjuster to evaluate your case in the same manner they would as if an attorney were negotiating with them. While most insurance companies, unfortunately, simply won’t do that, here’s what you need to do to try to obtain the maximum settlement value.

First, you need to obtain all of your medical records and bills. You can’t rely on the insurance company to do this. As soon as you tell the insurance company you want them to do this or agree to having them do it and tell you how much your medical bills come to and what your medical records say, you are giving up control of the situation. I can’t stress this enough.

You will need to sign authorization forms to obtain your medical records and bills and pay the cost of obtaining those medical records and bills (the cost of which can range from $15 to hundreds of dollars) from each hospital, ambulance company, doctor, chiropractor, radiologist, emergency room billing service, etc. Some medical providers require you to use their authorization forms. Some require you to agree to their using a photocopy service to copy your records at a higher cost. Some medical providers require one fee for your bills and another fee for your medical records.

Just obtaining all of your medical records and bills is one of the most time consuming aspects of handling personal injury cases. And, to make matters worse, you’re still not through with your medical providers. When your treatment is complete and you have all of your medical records and bills and the first settlement offer is made to you, you’ll need to call each of your medical providers or their billing offices again to learn if you have any balance owing (and you can expect to be on the phone repeatedly and for long periods of time to learn this information) and in many cases you will need to send them another authorization form before they’ll tell you this information.

You will need to obtain a copy of the police report. This is a much simpler process. Some police departments charge between $10 to $40 for a copy, while other departments provide them to you for free. You can pick it up at the police or CHP office yourself or request one by mail with an authorization form and a check for the proper fee.

You’ll also need to obtain your wage loss information on a wage loss form from your employer if you suffered any wage losses or had to use up valuable sick time, personal time, or vacation days.

You should obtain witness statements if there is any issue as to the liability of the other driver for the accident and you should take photos of the scene if there was something wrong with the road conditions or other unusual circumstances.

You will also need to obtain a number of good photographs of your car damage, copies of the vehicle repair bills and estimates and receipts for any items damaged in your vehicle.

Here’s a secret. In California you are entitled to the cost of a replacement child seat if one was in the accident. It’s automatic. Just tell the insurance company the make and model or find out the cost for the make and model child seat and the insurance company will send you a check for a new one, even if the old one wasn’t broken. Why? It’s in the California insurance code. The insurance companies, however, don’t volunteer this information. Why? They’re in business to make money, not pay it out.

Finally, when all your treatment is done, you will need to put together a demand package with a demand letter reviewing the facts of the accident and the negligence of the other driver that made him or her at fault, a summary of your injuries and medical treatment (from your medical records), an itemization of your medical bills, a discussion of your pain and suffering and how the injuries impacted your life, a discussion of your wage loss and how you determined the amount, and finally the amount of your demand and a time limit (40 days – the time allotted under the insurance code) for the insurance company to respond with their offer. The demand letter should be a minimum of four pages in length. Some of ours have been close to twenty pages. Accompanying the demand letter should be copies of all of your medical records and bills, color copies of the car damage photos, copies of the repair bills and estimates, any wage loss documentation and any other relevant items such as witness statements, etc.

If all of this is too much work for you to accomplish (and it is a lot when you are just trying to get better, get on with your life, raise a family and still go to work to put food on the table) you may want to hire our law firm to represent you.

The reason why, in most cases you will receive more, even after an attorney’s fees and costs are taken out, is that insurance companies offer much more to an attorney handling your case than when you are attempting to settle it yourself. In addition, an experienced and reputable lawyer can also obtain reductions from your health insurance company and from any medical providers with a balance with regards to what amount has to be paid back to them out of any settlement.

When you rely on the insurance company to pay your medical bills, and then simply pay you a skimpy amount on top, you are giving them the right to determine what bills they think were “reasonable” and to obtain any reductions in the bills to save themselves money. When an attorney obtains a reduction in your bills or your health insurance company lien, the amount the attorney saves increases the amount of your net settlement.

Keep in mind that as soon as you start negotiating your claim by yourself, it’s almost impossible for an attorney to persuade the insurance company to evaluate your case in the higher category type of claim. At our law firm, while we’ll take on a case that may be months old where the injured victim has simply been receiving medical treatment, we won’t take on the case in most cases if the victim has already received a bad offer from the insurance company. At that stage it’s usually too late for an attorney to make much of a difference.

Hopefully, this article has provided you with some insights as to how to obtain the maximum settlement from an insurance company for an auto, car, motorcycle, bicycle, pedestrian, truck, dog bite, or wrongful death claim. There is much more that an experienced attorney does, especially in the negotiation stage to maximize the settlement and this is where an attorney’s experience kicks in.

An attorney such as Sebastian Gibson who has been negotiating these cases with many of the same adjusters for decades, knows the tactics and negotiating style of them and their companies and knows how refute the talking points their insurance companies train their adjusters to use in negotiations.

What causes many attorneys to be unable to settle their cases and who then find themselves with no alternative but to file a lawsuit in court and face two to five years of litigation before the matter settles or goes to jury, is to get angry (some even scream and yell) with the adjuster, box themselves into a corner and tell the adjuster something along the lines of, “If that’s the best you can do, we’re filing suit.” The adjuster’s response to this is naturally, “go ahead.”

An insurance company doesn’t really care if they have to dump your case onto the case load of their attorneys who are already handling tens of thousands of such cases. One more case, makes no difference to them at all. They also know, you may give up or settle for even less when you learn from an attorney how much just the court costs will be. Just to file a lawsuit in most courts alone incurs a $350.00 or larger filing fee. Depositions can cost over a thousand dollars if they are lengthy. And all such court costs come out of your settlement, even if you have a contingency fee attorney handling your case.

Sadly, many of these same lawyers take this step or let their improperly trained staff members (secretaries and clerks) force the matter to such an impasse and then file suit without properly informing the client of the negotiations that took place and led them to that point.

If you are negotiating with an insurance company yourself, there’s no need to be unpleasant. Yes, you are probably going to hear that the insurance adjuster has evaluated your case to be worth much less than you think it’s worth. But you’re forgetting that, that’s just their first offer. Communicate with the adjuster. Tell them how the injuries affected your life and tell them what you still go through today with the pain you still have. You’ll be surprised how many adjusters will actually relate to what you tell them.

Unfortunately, just as there are bad attorneys out there, there are also some lousy insurance adjusters and insurance companies to deal with as well. They’re supposed to get back to you in 40 days with an offer after you present them with your demand package. Some take longer. Some will sound unpleasant, even snotty. And once they make their first offer, it can take weeks sometimes to reach the adjuster again to make your counter-offer. Sometimes the negotiations can take months. If you want to get the most you can for your case, you need to be patient. Your job, just as it is the job of your attorney, is to get these unpleasant insurance adjusters to warm up. I ask them how the weather is, how they’re doing, if their busy, anything to get them to open up to me. You’d be surprised how far a little kindness goes.

We wish you good luck and a speedy recovery from your injuries. You’ll find that your health, in many cases, will drastically improve, once you remove yourself from the stress of handling your case and resolve it either yourself or with the assistance of our law firm by way of settlement. If on the other hand, your case goes into litigation, as do the cases of many lawyers who don’t have the settlement experience or negotiating tools to settle their cases advantageously for their clients, your stress level will almost certainly rise.

The law firm of Sebastian Gibson handles personal injury cases in Rialto, and throughout Southern and Central California and handle wrongful death cases throughout the state. To learn more about Sebastian Gibson and the other areas of law handled by the law firm, visit the Sebastian Gibson website.

We invite you to visit our website at http://www.sebastiangibsonlaw.com and call us if you’ve been seriously injured in a personal injury auto, motorcycle, car, truck, pedestrian, or bicycle accident, lost a loved one in a wrongful death or been injured in a dog bite or animal attack in Rialto.

[Via http://blog.sebastiangibsonlaw.com]

How To Settle Car Accident Insurance Claims And Get The Maximum Settlement Without An Attorney in Chino

As a Chino Car Accident Insurance Attorney with millions of dollars in settlements and multiple million dollar or larger settlements from over thirty years of experience in or around Chino, other nearby cities and internationally, I know many of you are attempting to settle your own personal injury, dog bite and wrongful death cases by yourselves for the maximum and the biggest settlement you can to save the cost of an attorney.

In this article I’ll tell you the secrets of how attorneys negotiate for top dollar and I’ll also tell you why insurance companies lick their chops and rub their hands together with glee when individuals try to settle their claims without an attorney and why, in most cases, you’ll receive a larger, much greater amount in your pocket or in the trust fund you set up for any children injured in the accident, even after an attorney’s fee and costs if you hire a reputable and experienced personal injury attorney.

If you’ve been the victim of a car, motorcycle, truck, bike, pedestrian, bicycle, or auto accident, lost a loved one in a wrongful death or been the victim of a dog bite or animal attack, you can visit our website at http://www.sebastiangibsonlaw.com for more information and call us at any of the numbers easily found on our website.

First, you need to know that insurance companies evaluate cases two ways. As soon as you begin negotiating with the insurance company yourself, they evaluate your case, unfortunately, in terms of a nuisance value matter. They’ve settled tens or hundreds of thousands of cases with individuals before for paltry amounts and they will expect they can settle your case for a measly amount as well.

Why do they look at you as if you’re chopped meat? As soon as you tell them you are negotiating your own settlement, they know you’re trying to save money. To them, that means you may even be desperate. They also know you won’t be as knowledgeable about their tricks and tactics and like those tens or hundreds of thousands of people before you, they know how they can play you until you either become so frustrated you settle for their bad offer or become panicked that your time is running out.

The second way they evaluate a case, namely one presented by a lawyer, is an analysis of what the case’s true settlement value is based on the attorney’s skill and experience, how prepared the case is for litigation in the event it doesn’t settle, and the actual value of the injuries and associated pain and suffering, wage loss and other out of pocket expenses.

To settle your case for the largest amount possible, which may be the policy limits of the insurance policy, depending upon the severity of your injuries, you need to get the insurance adjuster to evaluate your case in the same manner they would as if an attorney were negotiating with them. While most insurance companies, unfortunately, simply won’t do that, here’s what you need to do to try to obtain the maximum settlement value.

First, you need to obtain all of your medical records and bills. You can’t rely on the insurance company to do this. As soon as you tell the insurance company you want them to do this or agree to having them do it and tell you how much your medical bills come to and what your medical records say, you are giving up control of the situation. I can’t stress this enough.

You will need to sign authorization forms to obtain your medical records and bills and pay the cost of obtaining those medical records and bills (the cost of which can range from $15 to hundreds of dollars) from each hospital, ambulance company, doctor, chiropractor, radiologist, emergency room billing service, etc. Some medical providers require you to use their authorization forms. Some require you to agree to their using a photocopy service to copy your records at a higher cost. Some medical providers require one fee for your bills and another fee for your medical records.

Just obtaining all of your medical records and bills is one of the most time consuming aspects of handling personal injury cases. And, to make matters worse, you’re still not through with your medical providers. When your treatment is complete and you have all of your medical records and bills and the first settlement offer is made to you, you’ll need to call each of your medical providers or their billing offices again to learn if you have any balance owing (and you can expect to be on the phone repeatedly and for long periods of time to learn this information) and in many cases you will need to send them another authorization form before they’ll tell you this information.

You will need to obtain a copy of the police report. This is a much simpler process. Some police departments charge between $10 to $40 for a copy, while other departments provide them to you for free. You can pick it up at the police or CHP office yourself or request one by mail with an authorization form and a check for the proper fee.

You’ll also need to obtain your wage loss information on a wage loss form from your employer if you suffered any wage losses or had to use up valuable sick time, personal time, or vacation days.

You should obtain witness statements if there is any issue as to the liability of the other driver for the accident and you should take photos of the scene if there was something wrong with the road conditions or other unusual circumstances.

You will also need to obtain a number of good photographs of your car damage, copies of the vehicle repair bills and estimates and receipts for any items damaged in your vehicle.

Here’s a secret. In California you are entitled to the cost of a replacement child seat if one was in the accident. It’s automatic. Just tell the insurance company the make and model or find out the cost for the make and model child seat and the insurance company will send you a check for a new one, even if the old one wasn’t broken. Why? It’s in the California insurance code. The insurance companies, however, don’t volunteer this information. Why? They’re in business to make money, not pay it out.

Finally, when all your treatment is done, you will need to put together a demand package with a demand letter reviewing the facts of the accident and the negligence of the other driver that made him or her at fault, a summary of your injuries and medical treatment (from your medical records), an itemization of your medical bills, a discussion of your pain and suffering and how the injuries impacted your life, a discussion of your wage loss and how you determined the amount, and finally the amount of your demand and a time limit (40 days – the time allotted under the insurance code) for the insurance company to respond with their offer. The demand letter should be a minimum of four pages in length. Some of ours have been close to twenty pages. Accompanying the demand letter should be copies of all of your medical records and bills, color copies of the car damage photos, copies of the repair bills and estimates, any wage loss documentation and any other relevant items such as witness statements, etc.

If all of this is too much work for you to accomplish (and it is a lot when you are just trying to get better, get on with your life, raise a family and still go to work to put food on the table) you may want to hire our law firm to represent you.

The reason why, in most cases you will receive more, even after an attorney’s fees and costs are taken out, is that insurance companies offer much more to an attorney handling your case than when you are attempting to settle it yourself. In addition, an experienced and reputable lawyer can also obtain reductions from your health insurance company and from any medical providers with a balance with regards to what amount has to be paid back to them out of any settlement.

When you rely on the insurance company to pay your medical bills, and then simply pay you a skimpy amount on top, you are giving them the right to determine what bills they think were “reasonable” and to obtain any reductions in the bills to save themselves money. When an attorney obtains a reduction in your bills or your health insurance company lien, the amount the attorney saves increases the amount of your net settlement.

Keep in mind that as soon as you start negotiating your claim by yourself, it’s almost impossible for an attorney to persuade the insurance company to evaluate your case in the higher category type of claim. At our law firm, while we’ll take on a case that may be months old where the injured victim has simply been receiving medical treatment, we won’t take on the case in most cases if the victim has already received a bad offer from the insurance company. At that stage it’s usually too late for an attorney to make much of a difference.

Hopefully, this article has provided you with some insights as to how to obtain the maximum settlement from an insurance company for an auto, car, motorcycle, bicycle, pedestrian, truck, dog bite, or wrongful death claim. There is much more that an experienced attorney does, especially in the negotiation stage to maximize the settlement and this is where an attorney’s experience kicks in.

An attorney such as Sebastian Gibson who has been negotiating these cases with many of the same adjusters for decades, knows the tactics and negotiating style of them and their companies and knows how refute the talking points their insurance companies train their adjusters to use in negotiations.

What causes many attorneys to be unable to settle their cases and who then find themselves with no alternative but to file a lawsuit in court and face two to five years of litigation before the matter settles or goes to jury, is to get angry (some even scream and yell) with the adjuster, box themselves into a corner and tell the adjuster something along the lines of, “If that’s the best you can do, we’re filing suit.” The adjuster’s response to this is naturally, “go ahead.”

An insurance company doesn’t really care if they have to dump your case onto the case load of their attorneys who are already handling tens of thousands of such cases. One more case, makes no difference to them at all. They also know, you may give up or settle for even less when you learn from an attorney how much just the court costs will be. Just to file a lawsuit in most courts alone incurs a $350.00 or larger filing fee. Depositions can cost over a thousand dollars if they are lengthy. And all such court costs come out of your settlement, even if you have a contingency fee attorney handling your case.

Sadly, many of these same lawyers take this step or let their improperly trained staff members (secretaries and clerks) force the matter to such an impasse and then file suit without properly informing the client of the negotiations that took place and led them to that point.

If you are negotiating with an insurance company yourself, there’s no need to be unpleasant. Yes, you are probably going to hear that the insurance adjuster has evaluated your case to be worth much less than you think it’s worth. But you’re forgetting that, that’s just their first offer. Communicate with the adjuster. Tell them how the injuries affected your life and tell them what you still go through today with the pain you still have. You’ll be surprised how many adjusters will actually relate to what you tell them.

Unfortunately, just as there are bad attorneys out there, there are also some lousy insurance adjusters and insurance companies to deal with as well. They’re supposed to get back to you in 40 days with an offer after you present them with your demand package. Some take longer. Some will sound unpleasant, even snotty. And once they make their first offer, it can take weeks sometimes to reach the adjuster again to make your counter-offer. Sometimes the negotiations can take months. If you want to get the most you can for your case, you need to be patient. Your job, just as it is the job of your attorney, is to get these unpleasant insurance adjusters to warm up. I ask them how the weather is, how they’re doing, if their busy, anything to get them to open up to me. You’d be surprised how far a little kindness goes.

We wish you good luck and a speedy recovery from your injuries. You’ll find that your health, in many cases, will drastically improve, once you remove yourself from the stress of handling your case and resolve it either yourself or with the assistance of our law firm by way of settlement. If on the other hand, your case goes into litigation, as do the cases of many lawyers who don’t have the settlement experience or negotiating tools to settle their cases advantageously for their clients, your stress level will almost certainly rise.

The law firm of Sebastian Gibson handles personal injury cases in Chino, and throughout Southern and Central California and handle wrongful death cases throughout the state. To learn more about Sebastian Gibson and the other areas of law handled by the law firm, visit the Sebastian Gibson website.

We invite you to visit our website at http://www.sebastiangibsonlaw.com and call us if you’ve been seriously injured in a personal injury auto, motorcycle, car, truck, pedestrian, or bicycle accident, lost a loved one in a wrongful death or been injured in a dog bite or animal attack in Chino.

[Via http://blog.sebastiangibsonlaw.com]

How To Settle Personal Injury Insurance Claims And Get The Maximum Settlement Without An Attorney in Yucca Valley

As a Yucca Valley Personal Injury Insurance Attorney with millions of dollars in settlements and multiple million dollar or larger settlements from over thirty years of experience in or around Yucca Valley, other nearby cities and internationally, I know many of you are attempting to settle your own personal injury, dog bite and wrongful death cases by yourselves for the maximum and the biggest settlement you can to save the cost of an attorney.

In this article I’ll tell you the secrets of how attorneys negotiate for top dollar and I’ll also tell you why insurance companies lick their chops and rub their hands together with glee when individuals try to settle their claims without an attorney and why, in most cases, you’ll receive a larger, much greater amount in your pocket or in the trust fund you set up for any children injured in the accident, even after an attorney’s fee and costs if you hire a reputable and experienced personal injury attorney.

If you’ve been the victim of a car, motorcycle, bike, truck, pedestrian, bicycle, or auto accident, lost a loved one in a wrongful death or been the victim of a dog bite or animal attack, you can visit our website at http://www.sebastiangibsonlaw.com for more information and call us at any of the numbers easily found on our website.

First, you need to know that insurance companies evaluate cases two ways. As soon as you begin negotiating with the insurance company yourself, they evaluate your case, unfortunately, in terms of a nuisance value matter. They’ve settled tens or hundreds of thousands of cases with individuals before for paltry amounts and they will expect they can settle your case for a measly amount as well.

Why do they look at you as if you’re chopped meat? As soon as you tell them you are negotiating your own settlement, they know you’re trying to save money. To them, that means you may even be desperate. They also know you won’t be as knowledgeable about their tricks and tactics and like those tens or hundreds of thousands of people before you, they know how they can play you until you either become so frustrated you settle for their bad offer or become panicked that your time is running out.

The second way they evaluate a case, namely one presented by a lawyer, is an analysis of what the case’s true settlement value is based on the attorney’s skill and experience, how prepared the case is for litigation in the event it doesn’t settle, and the actual value of the injuries and associated pain and suffering, wage loss and other out of pocket expenses.

To settle your case for the largest amount possible, which may be the policy limits of the insurance policy, depending upon the severity of your injuries, you need to get the insurance adjuster to evaluate your case in the same manner they would as if an attorney were negotiating with them. While most insurance companies, unfortunately, simply won’t do that, here’s what you need to do to try to obtain the maximum settlement value.

First, you need to obtain all of your medical records and bills. You can’t rely on the insurance company to do this. As soon as you tell the insurance company you want them to do this or agree to having them do it and tell you how much your medical bills come to and what your medical records say, you are giving up control of the situation. I can’t stress this enough.

You will need to sign authorization forms to obtain your medical records and bills and pay the cost of obtaining those medical records and bills (the cost of which can range from $15 to hundreds of dollars) from each hospital, ambulance company, doctor, chiropractor, radiologist, emergency room billing service, etc. Some medical providers require you to use their authorization forms. Some require you to agree to their using a photocopy service to copy your records at a higher cost. Some medical providers require one fee for your bills and another fee for your medical records.

Just obtaining all of your medical records and bills is one of the most time consuming aspects of handling personal injury cases. And, to make matters worse, you’re still not through with your medical providers. When your treatment is complete and you have all of your medical records and bills and the first settlement offer is made to you, you’ll need to call each of your medical providers or their billing offices again to learn if you have any balance owing (and you can expect to be on the phone repeatedly and for long periods of time to learn this information) and in many cases you will need to send them another authorization form before they’ll tell you this information.

You will need to obtain a copy of the police report. This is a much simpler process. Some police departments charge between $10 to $40 for a copy, while other departments provide them to you for free. You can pick it up at the police or CHP office yourself or request one by mail with an authorization form and a check for the proper fee.

You’ll also need to obtain your wage loss information on a wage loss form from your employer if you suffered any wage losses or had to use up valuable sick time, personal time, or vacation days.

You should obtain witness statements if there is any issue as to the liability of the other driver for the accident and you should take photos of the scene if there was something wrong with the road conditions or other unusual circumstances.

You will also need to obtain a number of good photographs of your car damage, copies of the vehicle repair bills and estimates and receipts for any items damaged in your vehicle.

Here’s a secret. In California you are entitled to the cost of a replacement child seat if one was in the accident. It’s automatic. Just tell the insurance company the make and model or find out the cost for the make and model child seat and the insurance company will send you a check for a new one, even if the old one wasn’t broken. Why? It’s in the California insurance code. The insurance companies, however, don’t volunteer this information. Why? They’re in business to make money, not pay it out.

Finally, when all your treatment is done, you will need to put together a demand package with a demand letter reviewing the facts of the accident and the negligence of the other driver that made him or her at fault, a summary of your injuries and medical treatment (from your medical records), an itemization of your medical bills, a discussion of your pain and suffering and how the injuries impacted your life, a discussion of your wage loss and how you determined the amount, and finally the amount of your demand and a time limit (40 days – the time allotted under the insurance code) for the insurance company to respond with their offer. The demand letter should be a minimum of four pages in length. Some of ours have been close to twenty pages. Accompanying the demand letter should be copies of all of your medical records and bills, color copies of the car damage photos, copies of the repair bills and estimates, any wage loss documentation and any other relevant items such as witness statements, etc.

If all of this is too much work for you to accomplish (and it is a lot when you are just trying to get better, get on with your life, raise a family and still go to work to put food on the table) you may want to hire our law firm to represent you.

The reason why, in most cases you will receive more, even after an attorney’s fees and costs are taken out, is that insurance companies offer much more to an attorney handling your case than when you are attempting to settle it yourself. In addition, an experienced and reputable lawyer can also obtain reductions from your health insurance company and from any medical providers with a balance with regards to what amount has to be paid back to them out of any settlement.

When you rely on the insurance company to pay your medical bills, and then simply pay you a skimpy amount on top, you are giving them the right to determine what bills they think were “reasonable” and to obtain any reductions in the bills to save themselves money. When an attorney obtains a reduction in your bills or your health insurance company lien, the amount the attorney saves increases the amount of your net settlement.

Keep in mind that as soon as you start negotiating your claim by yourself, it’s almost impossible for an attorney to persuade the insurance company to evaluate your case in the higher category type of claim. At our law firm, while we’ll take on a case that may be months old where the injured victim has simply been receiving medical treatment, we won’t take on the case in most cases if the victim has already received a bad offer from the insurance company. At that stage it’s usually too late for an attorney to make much of a difference.

Hopefully, this article has provided you with some insights as to how to obtain the maximum settlement from an insurance company for an auto, car, motorcycle, bicycle, pedestrian, truck, dog bite, or wrongful death claim. There is much more that an experienced attorney does, especially in the negotiation stage to maximize the settlement and this is where an attorney’s experience kicks in.

An attorney such as Sebastian Gibson who has been negotiating these cases with many of the same adjusters for decades, knows the tactics and negotiating style of them and their companies and knows how refute the talking points their insurance companies train their adjusters to use in negotiations.

What causes many attorneys to be unable to settle their cases and who then find themselves with no alternative but to file a lawsuit in court and face two to five years of litigation before the matter settles or goes to jury, is to get angry (some even scream and yell) with the adjuster, box themselves into a corner and tell the adjuster something along the lines of, “If that’s the best you can do, we’re filing suit.” The adjuster’s response to this is naturally, “go ahead.”

An insurance company doesn’t really care if they have to dump your case onto the case load of their attorneys who are already handling tens of thousands of such cases. One more case, makes no difference to them at all. They also know, you may give up or settle for even less when you learn from an attorney how much just the court costs will be. Just to file a lawsuit in most courts alone incurs a $350.00 or larger filing fee. Depositions can cost over a thousand dollars if they are lengthy. And all such court costs come out of your settlement, even if you have a contingency fee attorney handling your case.

Sadly, many of these same lawyers take this step or let their improperly trained staff members (secretaries and clerks) force the matter to such an impasse and then file suit without properly informing the client of the negotiations that took place and led them to that point.

If you are negotiating with an insurance company yourself, there’s no need to be unpleasant. Yes, you are probably going to hear that the insurance adjuster has evaluated your case to be worth much less than you think it’s worth. But you’re forgetting that, that’s just their first offer. Communicate with the adjuster. Tell them how the injuries affected your life and tell them what you still go through today with the pain you still have. You’ll be surprised how many adjusters will actually relate to what you tell them.

Unfortunately, just as there are bad attorneys out there, there are also some lousy insurance adjusters and insurance companies to deal with as well. They’re supposed to get back to you in 40 days with an offer after you present them with your demand package. Some take longer. Some will sound unpleasant, even snotty. And once they make their first offer, it can take weeks sometimes to reach the adjuster again to make your counter-offer. Sometimes the negotiations can take months. If you want to get the most you can for your case, you need to be patient. Your job, just as it is the job of your attorney, is to get these unpleasant insurance adjusters to warm up. I ask them how the weather is, how they’re doing, if their busy, anything to get them to open up to me. You’d be surprised how far a little kindness goes.

We wish you good luck and a speedy recovery from your injuries. You’ll find that your health, in many cases, will drastically improve, once you remove yourself from the stress of handling your case and resolve it either yourself or with the assistance of our law firm by way of settlement. If on the other hand, your case goes into litigation, as do the cases of many lawyers who don’t have the settlement experience or negotiating tools to settle their cases advantageously for their clients, your stress level will almost certainly rise.

The law firm of Sebastian Gibson handles personal injury cases in Yucca Valley, and throughout Southern and Central California and handle wrongful death cases throughout the state. To learn more about Sebastian Gibson and the other areas of law handled by the law firm, visit the Sebastian Gibson website.

We invite you to visit our website at http://www.sebastiangibsonlaw.com and call us if you’ve been seriously injured in a personal injury auto, motorcycle, car, truck, pedestrian, or bicycle accident, lost a loved one in a wrongful death or been injured in a dog bite or animal attack in Yucca Valley.

[Via http://blog.sebastiangibsonlaw.com]

Vision Board

I was ransacking my things days ago (see previous entry) and I came across this Vision Board I made when I was still studying. It was an assignment from my Christian Living sort of class, I don’t know what the course was called exactly because I never paid attention to religion themed courses, but the whole thing was about how God made everything and how we should live very saint-like christian lives. Yes, I am exaggerating. You know how I feel about religion. Anyways, were asked to create our own Vision Board, meaning what we think we will be having or what we want to have five years from that day. We had to cut pictures and stuff to make a collage and put it in a 1/8 illustration board. Very highschool, *mumbles* Christians. This was what I came up with:

After five years, hopefully.

• I didn’t have enough materials with me when I was making it because most of our old magazines were either thrown out or sold to junk shops. The only ones left were the ones in my room which was bought years ago. I remember having those back when I was still in grade school.

• I am a huge fan of Elliott Yamin (E). I have been since his American Idol days, he was only able to take the third place but you know how talented people are. They still get through the industry. And I have such dislike for ‘artists’ who only cater to tweens using their faces as products. He has Diabetes and one of his ears is impaired. He made me want to be a singer more than how much I wanted to before I watched him.

• There was a point in my confused adolescent life when I wanted to audition in a local singing competition, disregarding how crappy they are and disregarding how I am relatively less talented than most, and possibly make it and sing. I was deluded. But now that I think about it, that doesn’t seem to be a very bad idea. Hmm.

• I think I am enjoying these bullets. This is the second time I posted an entry using them.

• New York = Broadway. Someday I will go there to watch my favorite musicals no matter how much they will cost me. I am such a cliche. Of course I have to make money first. I just got inspired to perform a bank heist after writing this.

• I love dancing. Or I love seeing other people dance.

• Of course, everybody’s dream. Own a car. Do road trips, visit unsuspecting friends and ruin their Sundays. Go wherever like you have no work to get back to. Life is beautiful.

• I have an interest in photography but photography hates me. When I get rich I will enroll in a photography class and finally learn how to click those buttons. Seriously, I never imagined it was that hard until I got close enough to a camera.

• I always wanted to become a teacher. One of the reasons why I want to have my MA after a few years of graduation. I am not sure though if I will be a good one. You know how teachers are? Sometimes they know a lot but it doesn’t reflect in the classroom so the students sometimes think that their teachers are stupid? Well, I’m afraid I may be like one of them.

• And of course, I wanted to do this eversince I learned how to write. Publish a book. Who wouldn’t want leaving a piece of one’s mind in this fucking world after one died?

+++++

It has been a year and I am still as broke as a well, typical Filipino. I hope four years would be enough for me to achieve all these.

How about you? In five years or so, how do you see yourself? What do you want to have? Go share. I’d be glad to hear from you after you put up with the crap I just wrote above.

[Via http://vajarlmetdracula.wordpress.com]

How To Settle Wrongful Death Insurance Claims For The Maximum Settlement Without An Attorney in Coachella

As a Coachella Wrongful Death Insurance Attorney with millions of dollars in settlements and multiple million dollar plus settlements from over thirty years of experience in or around Coachella, other nearby cities and internationally, I know many of you are attempting to settle your own personal injury, dog bite and wrongful death cases by yourselves for the maximum and the biggest settlement you can to save the cost of an attorney.

In this article I’ll tell you the secrets of how attorneys negotiate for top dollar and I’ll also tell you why insurance companies lick their chops and rub their hands together with glee when individuals try to settle their claims without an attorney and why, in most cases, you’ll receive a larger, much greater amount in your pocket or in the trust fund you set up for any children injured in the accident, even after an attorney’s fee and costs if you hire a reputable and experienced personal injury attorney.

If you’ve been the victim of a car, motorcycle, truck, pedestrian, bicycle, or auto accident, lost a loved one in a wrongful death or been the victim of a dog bite or animal attack, you can visit our website at http://www.sebastiangibsonlaw.com for more information and call us at any of the numbers easily found on our website.

First, you need to know that insurance companies evaluate cases two ways. As soon as you begin negotiating with the insurance company yourself, they evaluate your case, unfortunately, in terms of a nuisance value matter. They’ve settled tens or hundreds of thousands of cases with individuals before for paltry amounts and they will expect they can settle your case for a measly amount as well.

Why do they look at you as if you’re chopped meat? As soon as you tell them you are negotiating your own settlement, they know you’re trying to save money. To them, that means you may even be desperate. They also know you won’t be as knowledgeable about their tricks and tactics and like those tens or hundreds of thousands of people before you, they know how they can play you until you either become so frustrated you settle for their bad offer or become panicked that your time is running out.

The second way they evaluate a case, namely one presented by a lawyer, is an analysis of what the case’s true settlement value is based on the attorney’s skill and experience, how prepared the case is for litigation in the event it doesn’t settle, and the actual value of the injuries and associated pain and suffering, wage loss and other out of pocket expenses.

To settle your case for the largest amount possible, which may be the policy limits of the insurance policy, depending upon the severity of your injuries, you need to get the insurance adjuster to evaluate your case in the same manner they would as if an attorney were negotiating with them. While most insurance companies, unfortunately, simply won’t do that, here’s what you need to do to try to obtain the maximum settlement value.

First, you need to obtain all of your medical records and bills. You can’t rely on the insurance company to do this. As soon as you tell the insurance company you want them to do this or agree to having them do it and tell you how much your medical bills come to and what your medical records say, you are giving up control of the situation. I can’t stress this enough.

You will need to sign authorization forms to obtain your medical records and bills and pay the cost of obtaining those medical records and bills (the cost of which can range from $15 to hundreds of dollars) from each hospital, ambulance company, doctor, chiropractor, radiologist, emergency room billing service, etc. Some medical providers require you to use their authorization forms. Some require you to agree to their using a photocopy service to copy your records at a higher cost. Some medical providers require one fee for your bills and another fee for your medical records.

Just obtaining all of your medical records and bills is one of the most time consuming aspects of handling personal injury cases. And, to make matters worse, you’re still not through with your medical providers. When your treatment is complete and you have all of your medical records and bills and the first settlement offer is made to you, you’ll need to call each of your medical providers or their billing offices again to learn if you have any balance owing (and you can expect to be on the phone repeatedly and for long periods of time to learn this information) and in many cases you will need to send them another authorization form before they’ll tell you this information.

You will need to obtain a copy of the police report. This is a much simpler process. Some police departments charge between $10 to $40 for a copy, while other departments provide them to you for free. You can pick it up at the police or CHP office yourself or request one by mail with an authorization form and a check for the proper fee.

You’ll also need to obtain your wage loss information on a wage loss form from your employer if you suffered any wage losses or had to use up valuable sick time, personal time, or vacation days.

You should obtain witness statements if there is any issue as to the liability of the other driver for the accident and you should take photos of the scene if there was something wrong with the road conditions or other unusual circumstances.

You will also need to obtain a number of good photographs of your car damage, copies of the vehicle repair bills and estimates and receipts for any items damaged in your vehicle.

Here’s a secret. In California you are entitled to the cost of a replacement child seat if one was in the accident. It’s automatic. Just tell the insurance company the make and model or find out the cost for the make and model child seat and the insurance company will send you a check for a new one, even if the old one wasn’t broken. Why? It’s in the California insurance code. The insurance companies, however, don’t volunteer this information. Why? They’re in business to make money, not pay it out.

Finally, when all your treatment is done, you will need to put together a demand package with a demand letter reviewing the facts of the accident and the negligence of the other driver that made him or her at fault, a summary of your injuries and medical treatment (from your medical records), an itemization of your medical bills, a discussion of your pain and suffering and how the injuries impacted your life, a discussion of your wage loss and how you determined the amount, and finally the amount of your demand and a time limit (40 days – the time allotted under the insurance code) for the insurance company to respond with their offer. The demand letter should be a minimum of four pages in length. Some of ours have been close to twenty pages. Accompanying the demand letter should be copies of all of your medical records and bills, color copies of the car damage photos, copies of the repair bills and estimates, any wage loss documentation and any other relevant items such as witness statements, etc.

If all of this is too much work for you to accomplish (and it is a lot when you are just trying to get better, get on with your life, raise a family and still go to work to put food on the table) you may want to hire our law firm to represent you.

The reason why, in most cases you will receive more, even after an attorney’s fees and costs are taken out, is that insurance companies offer much more to an attorney handling your case than when you are attempting to settle it yourself. In addition, an experienced and reputable lawyer can also obtain reductions from your health insurance company and from any medical providers with a balance with regards to what amount has to be paid back to them out of any settlement.

When you rely on the insurance company to pay your medical bills, and then simply pay you a skimpy amount on top, you are giving them the right to determine what bills they think were “reasonable” and to obtain any reductions in the bills to save themselves money. When an attorney obtains a reduction in your bills or your health insurance company lien, the amount the attorney saves increases the amount of your net settlement.

Keep in mind that as soon as you start negotiating your claim by yourself, it’s almost impossible for an attorney to persuade the insurance company to evaluate your case in the higher category type of claim. At our law firm, while we’ll take on a case that may be months old where the injured victim has simply been receiving medical treatment, we won’t take on the case in most cases if the victim has already received a bad offer from the insurance company. At that stage it’s usually too late for an attorney to make much of a difference.

Hopefully, this article has provided you with some insights as to how to obtain the maximum settlement from an insurance company for an auto, car, motorcycle, bicycle, pedestrian, truck, dog bite, or wrongful death claim. There is much more that an experienced attorney does, especially in the negotiation stage to maximize the settlement and this is where an attorney’s experience kicks in.

An attorney such as Sebastian Gibson who has been negotiating these cases with many of the same adjusters for decades, knows the tactics and negotiating style of them and their companies and knows how refute the talking points their insurance companies train their adjusters to use in negotiations.

What causes many attorneys to be unable to settle their cases and who then find themselves with no alternative but to file a lawsuit in court and face two to five years of litigation before the matter settles or goes to jury, is to get angry (some even scream and yell) with the adjuster, box themselves into a corner and tell the adjuster something along the lines of, “If that’s the best you can do, we’re filing suit.” The adjuster’s response to this is naturally, “go ahead.”

An insurance company doesn’t really care if they have to dump your case onto the case load of their attorneys who are already handling tens of thousands of such cases. One more case, makes no difference to them at all. They also know, you may give up or settle for even less when you learn from an attorney how much just the court costs will be. Just to file a lawsuit in most courts alone incurs a $350.00 or larger filing fee. Depositions can cost over a thousand dollars if they are lengthy. And all such court costs come out of your settlement, even if you have a contingency fee attorney handling your case.

Sadly, many of these same lawyers take this step or let their improperly trained staff members (secretaries and clerks) force the matter to such an impasse and then file suit without properly informing the client of the negotiations that took place and led them to that point.

If you are negotiating with an insurance company yourself, there’s no need to be unpleasant. Yes, you are probably going to hear that the insurance adjuster has evaluated your case to be worth much less than you think it’s worth. But you’re forgetting that, that’s just their first offer. Communicate with the adjuster. Tell them how the injuries affected your life and tell them what you still go through today with the pain you still have. You’ll be surprised how many adjusters will actually relate to what you tell them.

Unfortunately, just as there are bad attorneys out there, there are also some lousy insurance adjusters and insurance companies to deal with as well. They’re supposed to get back to you in 40 days with an offer after you present them with your demand package. Some take longer. Some will sound unpleasant, even snotty. And once they make their first offer, it can take weeks sometimes to reach the adjuster again to make your counter-offer. Sometimes the negotiations can take months. If you want to get the most you can for your case, you need to be patient. Your job, just as it is the job of your attorney, is to get these unpleasant insurance adjusters to warm up. I ask them how the weather is, how they’re doing, if their busy, anything to get them to open up to me. You’d be surprised how far a little kindness goes.

We wish you good luck and a speedy recovery from your injuries. You’ll find that your health, in many cases, will drastically improve, once you remove yourself from the stress of handling your case and resolve it either yourself or with the assistance of our law firm by way of settlement. If on the other hand, your case goes into litigation, as do the cases of many lawyers who don’t have the settlement experience or negotiating tools to settle their cases advantageously for their clients, your stress level will almost certainly rise.

The law firm of Sebastian Gibson handles personal injury cases in Coachella, and throughout Southern and Central California and handle wrongful death cases throughout the state. To learn more about Sebastian Gibson and the other areas of law handled by the law firm, visit the Sebastian Gibson website.

We invite you to visit our website at http://www.sebastiangibsonlaw.com and call us if you’ve been seriously injured in a personal injury auto, motorcycle, car, truck, pedestrian, or bicycle accident, lost a loved one in a wrongful death or been injured in a dog bite or animal attack in Coachella.

[Via http://blog.sebastiangibsonlaw.com]

Accident update.

Just a little update:

It now appears that Fiffy, my Ford Ka, is going to car heaven

I had a call this morning from the car people (just keeping me informed) & the lady basically said that my car is now a write-off.
Luckily, I’m fully-comp, so my insurance company will pay out for a new car, obv not the full amount, but it will help. I’ve already decided that I’m not going to get another Ka, but I’ve always wanted a mini (but they are NOT cheap!) so we’ll have to wait & see, I guess.

Leave Tonight or Die This Way

Radio is playing

Your mind shoots back to summer mornings

Northern California and your driving

Lost in the fields, sun is on your dashboard.

 

You’re calm.

Staring at the clouds, August scents fills you from the out

You crack open a window

Hand hanging, touching the wind.

Not so clear where to go

Another intersection followed by three lights

Seeking a street in this college bicycle town

Kids running wild

Lawns wearing yellow.

 

Maybe turn here

Nothing to lose

With a full tank of gas.

Time on your side

Alone and misplaced

Finally you’re an adult

 

"I've Got Some Room on My Lap"

Photo via daniel.sound via flickr

The other night I was walking down L & 21st street with my friend. It was about 11 pm and we had just come from dessert, both of us dressed for a night of hanging out and doing pretty much nothing. Then, out of no where, a black SUV pulls up right beside us and rolls downt he window. The car was full of about 5 guys, in their late 20’s/early 30’s, hollering to us. “Hey baby, I’ve got some room on my lap”, “why don’t you girls just come over here and show us a good time”, among other comments. We began to speed up and grabbed each others arms. Then, as we sped up, the car continued to follow us. I got so sick of it, after about a block, that I turned their direction and yelled “Shut up!” at the top of my lungs. I just stood there for a second and they stoped talking. Then they drove off as fast as they possibly could, as my firend and I gave them the finger. I was repulsed but proud of myself.

How to Choose a Car DVD Player, dvd

Author: Xander Cline
Source: ezinearticles.com

Shopping for a car DVD player does not have to be hard. If you think shopping for a car DVD player for your vehicle is hard please read this article. Most likely your inspiration for buying a car DVD player is amusement for the children in the back seat. You want the best for your cash but there are so many choices these days. Now you have useful information to help you, dvd, make a good decision on your purchase of one. Price is most likely the first thing to consider. Like most electronics, there is, dvd, a broad assortment of prices.

You can buy an inexpensive model for $89, install it yourself,, dvd, or you can go pricey in the $1200 range for a model, complete with all the bells and whistles. Various brand names simply flood the Internet. Here you will find the essential information you need to make a good choice on buying, dvd, a car DVD player. There are good models that sell for under $100. However, you do not want to buy the lowest priced one simply because it is the cheapest. If you are going to pay out the money on it, make sure you are getting one with high-quality,, dvd, dvd, picture and sound.

Decide whether you want, dvd, to have the it installed in a shop by a professional or do it yourself, dvd, . If you want a nice and neat monitor hanging from the headliner, dvd, of your car with the cords all nice and hidden, you probably want to go with the professional installation. This is a good looking, but costly option. If you, dvd, don’t mind seeing the cords and you don’t mind seeing and feeling a band around your headrest,, dvd, then go ahead and install it yourself, really, it is not that hard.

Familiarize yourself with, dvd, the features in your price range to find the car DVD player that meets your needs. Almost all the newer DVD players are progressive scan, which will produce a good, dvd, picture.

Consider when choosing a car DVD player if your, dvd, children are going to shriek at the loss of their amusement every time it goes dead. In the models without batteries, this will happen at every gas stop and every soda break. Every time you kill the car engine, the movie will shut off and will not memorize the stopping point on the DVD. It just may be worth the extra cash to get the battery back-up model.

As the driver, do you want to hear movie audio only for the 8 hour trip to the Rocky Mountains? If not, you may want to think about headphones for the DVD viewers, and then relax with your own favorite CD.

You can find car DVD player models with extras that play music, videos and pictures. Others can play games and display calendars. Decide if these extras are, dvd, something you want to pay for.

I hope this has been a good introduction to buying a car DVD player. Be sure you check out our shopping advice in order to make a good decision on choosing a great car DVD player.

Are you considering buying a DVD player for your car? Visit Car DVD Player Review for more great information. A great bit of information is well worth your time.

The Barrels are Coming! Brilliant New Super Street Fighter IV Shots Emerge

My money’s actually on the car

Street Fighter IV is the first of only two games I ever awarded top marks since I started this whole game journalism gig. So imagine my excitement when the superb team at VG247 reported on a new batch of tasty screenshots for Super Street Fighter IV.

In true Capcom fashion, the ‘Super’ moniker spells a slew of new features; adding more characters, replay modes, ultra combos and a generally tune-up of the entire combat system to balance it even closer to perfection. Although the prospect of adding Final Fight/Street Fighter Alpha character Guy to the roster (go on Capcom, make my day!) makes me very happy, a welcome return of the barrel and car-smashing bonus rounds from Street Fighter II will be just fine for the time being.

Check out the shots, as originally revealed by Videogamer, by clicking this link.

<a href="http://www.thinkaloo.com/ideas/view/view_idea.php?id=1092">Bird diarrhoea pill</a>

Most of the parking space where I live is under trees and that’s what I get on a bad bird-diarrhoea day. Sometimes it’s even worse. A pill that can mix with bird food and permanently fix this problem is desperately desired. If anyone has different solution or advice other than ‘park-it- somewhere-else’, please leave me a comment or send me a message, thanks!

http://www.thinkaloo.com

Extention of Current Conforming Loan Limits in California.

The U.S. Congress passed a congressional resolution extending through 2010 the current conforming loan limits of $417,000 for most areas in the U.S. and $729,750 for high-cost areas, including many in California.

The CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) and the NATIONAL ASSOCIATION OF REALTORS® (NAR) have long advocated making permanent higher conforming loan limits. As a result of C.A.R.’s and NAR’s efforts, a provision of the Housing and Economic Recovery Act of 2008 included temporarily raising the conforming loan limits from $625,500 in high-cost areas to $729,750 and extending the limits through 2009. Yesterday’s actions effectively extend the higher conforming loan limits for Fannie, Freddie, and FHA loans through 2010.

“There is no doubt that higher loan limits and the federal tax credit for first-time home buyers have helped stabilize California’s housing market over the last year,” said C.A.R. President James Liptak. “C.A.R. applauds our congressional representatives for their actions to extend the higher loan limits through 2010. They now should focus on making higher loan limits permanent.”

The conforming loan limit determines the maximum size of a mortgage that Government Sponsored Enterprises (GSEs) Fannie Mae and Freddie Mac can buy or “guarantee.” Non-conforming or “jumbo loans” typically carry higher mortgage interest rates than conforming loans, increasing monthly payments and hampering the ability of families in California to purchase homes by making them less affordable.

Tein Stech Lowering Spring Reference Chart - All Make and models

Make Model

Body

Year ITEM Note PART NO.

MSRP

Spring Rate Ride Height Stock Front Rear Front Rear kgf/mm,lbs/in kgf/mm,lbs/in mm

inch

mm

inch

ACURA INTEGRA

DA9

90-93 STECH SKA32-AUB00

$260.00

3.8/212 2.5/140 -52

-2

-50

-2

ACURA INTEGRA

DC2

94-01 STECH Incl. TypeR SKA18-AUB00

$330.00

6/335 4.9/274 -64

-2.5

-42

-1.7

ACURA INTEGRA

DC4

94-01 STECH SKA18-AUB00

$330.00

6/335 4.9/274 -64

-2.5

-42

-1.7

ACURA RSX

DC5

02-04 STECH SKA28-AUB00

$340.00

5.5/307 8.8/492 -43

-1.7

-35

-1.4

ACURA RSX

DC5

05-06 STECH SKB04-AUB00

$400.00

5.5/308 8.8/492 -37

-1.5

-43

-1.7

ACURA NSX

NA1

91-96 STECH SKA66-AUB00

$340.00

4/224 4.4/246 -17

-0.7

-26

-1

ACURA NSX

NA2

97-06 STECH SKA66-AUB00

$340.00

4/224 4.4/246 -17

-0.7

-26

-1

ACURA TL

UA5

99-03 STECH Sedan Incl. TypeS SKA34-AUB00

$350.00

5.3/296 2.8/157 -53

-2.1

-41

-1.6

ACURA TL

UA6

04-08 STECH 6cyl 4dr SKA52-AUB00

$290.00

5.5/307 3.5/196 -30.5

-1.2

-32

-1.3

ACURA CL

YA1

96-00 STECH 4cyl(2.2L/2.3L) 2dr SKB08-AUB00

$340.00

4.4/246 3/168 -42

-1.7

-30

-1.2

ACURA CL

YA4

01-03 STECH Coupe Incl. TypeS SKA34-AUB00

$350.00

5.3/297 2.8/157 -45

-1.8

-46

-1.8

ACURA TSX

CL9

04-08 STECH SKA64-AUB00

$290.00

6.2/347 2.7/151 -43.5

-1.7

-34

-1.3

ACURA TSX

CU2

09+ STECH 2.4 FF SKB90-AUB00

$390.00

7.8/437 4.1/230 -40

-1.6

-35

-1.4

AUDI A3

8P

06+ STECH 2.0T FF 5Dr SKJ36-AUB00

$360.00

2.8/157 4.6/258 -40

-1.6

-33

-1.3

AUDI A4

B5

96-01 STECH Sedan 2wd 4cyl.(Incl 1.8T) SKG84-AUB00

$280.00

4.7/263 2.8/157 -61.5

-2.4

-47

-1.9

AUDI S4

B5S

98-02 STECH Sedan 4wd 6cyl.(Incl A4 2.8L) SKG08-AUB00

$290.00

7.1/397 4.8/269 -47.5

-1.9

-27.5

-1.1

AUDI A4

B6

02-05 STECH Sedan 2wd 4cyl.(Incl 1.8T) SKG80-AUB00

$320.00

8.5/475 6.4/358 -37

-1.5

-22

-0.9

AUDI A4 Quattro

B6

02-05 STECH Sedan 4wd 4cyl.(Incl 1.8T) SKG70-AUB00

$310.00

5.9/330 6/335 -57

-2.2

-60

-2.4

AUDI S4

B6S

04-05 STECH Sedan SKJ00-AUB00

$400.00

8.7/487 8.7/487 -30

-1.2

-30

-1.2

AUDI A4 Quattro

B7

06-08 STECH Sedan 4wd 4cyl.(Incl 2.0T) SKJ30-AUB00

$310.00

5.9/330 6/335 -39

-1.5

-27

-1.1

AUDI S4

B7S

06-08 STECH Sedan SKJ00-AUB00

$400.00

8.7/487 8.7/487 -36

-1.4

-29

-1.1

AUDI TT

TTR

99-06 STECH Coupe 4wd 4cyl Now In Development 3/168 10.5/587 -32

-1.3

-29

-1.1

AUDI TT

TTC

99-06 STECH Coupe 2wd 4cyl SKG96-AUB00

$330.00

3.4/191 3.1/174 -26

-1

-25

-1

BMW 3series (E36)

E36

91-99 STECH 2dr/4dr exc. Convertible SKG88-AUB00

$350.00

2.9/163 5.8/325 -60

-2.4

-40

-1.6

BMW 3series (E46)

E46

00-05 STECH 2dr exc M3/4wd/Wagon SKG72-AUB00

$350.00

3/168 8.5/476 -32.5

-1.3

-23.5

-0.9

BMW 3series (E46)

E46

00-05 STECH 4dr exc M3/4wd/Wagon SKG72-AUB00

$350.00

3/168 8.5/476 -39.5

-1.6

-19

-0.7

BMW 3series (E92)

E92

07+ STECH 2dr Coupe SKJ14-AUB00

$320.00

3.4/191 10.6/593 -36

-1.4

-16

-0.6

BMW 3series (E90)

E90

07+ STECH 4dr Sedan (335i) SKJ14-AUB00

$320.00

3.4/191 10.6/593 -36

-1.4

-30

-1.2

BMW 3series (E90)

E90

06+ STECH 4dr Sedan (330i) SKJ14-AUB00

$320.00

3.4/191 10.6/593 -22

-0.9

-27

-1.1

BMW M3 (E36)

E36

94-99 STECH 2dr/4dr exc. Convertible SKG76-AUB00

$330.00

2.9/163 7.9/442 -29

-1.1

-22

-0.9

BMW M3 (E46)

E46

01-05 STECH Incl. Convertible SKG68-AUB00

$350.00

3.5/196 9.5/532 -38.5

-1.5

-32

-1.3

BMW Z4 (E85)

E85

03-08 STECH exc. Mseries SKG98-AUB00

$310.00

2.6/146 6.4/358 -19

-0.7

-15

-0.6

CHEVROLET CAVALIER

JF37

95-04 STECH 2.4L 4cyl SKG90-AUB00

$290.00

3.2/179 1.9/107 -43

-1.7

-39

-1.5

CHEVROLET COBALT SS 05-07 STECH 2.0L Super Charged Coupe SKJ82-AUB00

$380.00

3.1/174 2.8/157 -31

-1.2

-33

-1.3

CHEVROLET COBALT LS 05-08 STECH 2.2L SEDAN SKJ82-AUB00

$380.00

3.1/174 2.8/157 -44

-1.7

-43

-1.7

CHRYSLER PT CRUISER

-

01-06 STECH 2.4l NA SKG10-AUB00

$290.00

3.2/179 2.9/163 -33

-1.3

-50

-2

CHRYSLER 300C SRT-8

-

05+ STECH 6.1L V8 exc Rr Self levelizer SKJ16-AUB00

$350.00

4.5/252 12.7/710 -37

-1.5

-39

-1.5

CHRYSLER 300C

-

05+ STECH 5.7L V8 exc Rr Self levelizer SKJ16-AUB00

$350.00

4.5/252 12.7/710 -46

-1.8

-48

-1.9

CHRYSLER 300

-

05+ STECH 3.5L V6 2WD Now In Development / / -58

-2.3

-49

-1.9

DODGE CHARGER SRT-8

-

06-08 STECH 6.1L V8 exc Rr Self levelizer SKJ68-AUB00

$340.00

4.1/230 11.5/643 -36

-1.4

-17

-0.7

DODGE CHARGER

-

06+ STECH V8 5.7L R/T exc Self Levelizer model SKJ68-AUB00

$340.00

4.1/230 11.5/643 -40

-1.6

-26

-1

DODGE MAGNUM

-

05+ STECH V8 5.7L R/T exc Self Levelizer model SKJ70-AUB00

$340.00

4.1/230 11.5/643 -41

-1.6

-38

-1.5

DODGE SRT4 03-06 STECH 2.4L Turbo SKG78-AUB00

$330.00

3.6/201 3.5/196 -45

-1.8

-52

-2

DODGE NEON

PL

00-06 STECH 2.0L None Turbo SKG04-AUB00

$340.00

3.6/201 3.5/196 -50

-2

-50

-2

FORD FOCUS

DAW

00-04 STECH exc Wagon SKG40-AUB00

$280.00

2.8/157 3.2/179 -59

-2.3

-52

-2

FORD MUSTANG

SN95

99-04 STECH V8 GT SKG94-AUB00

$350.00

9.6/537 4.8/269 -63

-2.5

-58

-2.3

FORD MUSTANG

S197

05-09 STECH V8 GT SKG12-AUB00

$290.00

3.1/174 3.1/174 -39

-1.5

-57

-2.2

FORD MUSTANG

S197

05-09 STECH V6 SKG12-AUB00

$290.00

3.1/174 3.1/174 -29

-1.1

-47

-1.9

FORD PROBE

1ZV

93-97 STECH V6 GT SKJ04-AUB00

$330.00

3.8/213 2.9/163 -33

-1.3

-30

-1.2

HONDA ACCORD

CB7

90-93 STECH 4cyl 4dr/2dr SKA16-AUB00

$320.00

4.4/246 2.9/162 -53

-2.1

-43

-1.7

HONDA ACCORD

CD5

94-97 STECH 4cyl 4dr SKA16-AUB00

$320.00

4.4/246 2.9/162 -52

-2

-35

-1.4

HONDA ACCORD

CD7

94-97 STECH 4cyl 2dr SKA16-AUB00

$320.00

4.4/246 2.9/162 -52

-2

-35

-1.4

HONDA ACCORD

CG1

98-02 STECH 6cyl 4dr SKH94-AUB00

$340.00

5.3/297 3.2/179 -51

-2

-42

-1.7

HONDA ACCORD

CG2

98-02 STECH 6cyl 2dr SKH94-AUB00

$340.00

5.3/297 3.2/179 -51

-2

-42

-1.7

HONDA ACCORD

CG3

98-02 STECH 4cyl 2dr SKH94-AUB00

$340.00

5.3/297 3.2/179 -51

-2

-49

-1.9

HONDA ACCORD

CG5

98-02 STECH 4cyl 4dr SKH94-AUB00

$340.00

5.3/297 3.2/179 -51

-2

-49

-1.9

HONDA ACCORD

CM5

03-07 STECH 4cyl 4dr SKA50-AUB00

$320.00

6/336 4/224 -46

-1.8

-34

-1.3

HONDA ACCORD

CM6

03-07 STECH 6cyl 4dr SKA52-AUB00

$290.00

5.5/308 3.5/196 -51

-2

-30

-1.2

HONDA ACCORD

CP2

08+ STECH 4cyl 4dr SKB78-AUB00

$400.00

7/392 3.9/219 -23

-0.9

-19

-0.7

HONDA ACCORD

CP3

08+ STECH 6cyl 4dr SKB78-AUB00

$400.00

7/392 3.9/219 -38

-1.5

-30

-1.2

HONDA ACCORD

CM7

03-07 STECH 4cyl 2dr SKA50-AUB00

$320.00

6/336 4/224 -46

-1.8

-34

-1.3

HONDA ACCORD

CM8

03-07 STECH 6cyl 2dr SKA52-AUB00

$290.00

5.5/308 3.5/196 -51

-2

-30

-1.2

HONDA ACCORD

CS1

08+ STECH 4cyl 2dr SKB88-AUB00

$370.00

7/392 3.9/219 -34

-1.3

-35

-1.4

HONDA ACCORD

CS2

08+ STECH 6cyl 2dr SKB88-AUB00

$370.00

7/392 3.9/219 -39

-1.5

-29

-1.1

HONDA CIVIC

EF9

89-91 STECH SKA36-AUB00

$260.00

4.8/269 2.2/123 -39

-1.5

-35

-1.4

HONDA CIVIC

ED8

89-91 STECH SKA36-AUB00

$260.00

4.8/268 2.2/123 -40

-1.6

-37

-1.5

HONDA CIVIC

ED9

89-91 STECH SKA36-AUB00

$260.00

4.8/268 2.2/123 -40

-1.6

-37

-1.5

HONDA CIVIC

EH2

92-95 STECH Rr Fork SKA00-AUB00

$270.00

3.8/212 2.5/140 -46

-1.8

-44

-1.7

HONDA CIVIC

EH3

92-95 STECH Si, Rr Fork SKA00-AUB00

$270.00

3.8/212 2.5/140 -46

-1.8

-44

-1.7

HONDA CIVIC

EM1

96-00 STECH SKA24-AUB00

$260.00

4.2/235 2.5/140 -49

-1.9

-42

-1.7

HONDA CIVIC

EJ6

96-00 STECH SKA24-AUB00

$260.00

4.2/235 2.5/140 -49

-1.9

-42

-1.7

HONDA CIVIC

EJ7

96-00 STECH SKA24-AUB00

$260.00

4.2/235 2.5/140 -49

-1.9

-42

-1.7

HONDA CIVIC

EJ8

96-00 STECH SKA24-AUB00

$260.00

4.2/235 2.5/140 -49

-1.9

-42

-1.7

HONDA CIVIC

EM2

01-05 STECH 2dr coupe Incl 04+ (exc 4Dr) SKA22-AUB00

$270.00

2.8/157 5.2/291 -34

-1.3

-35

-1.4

HONDA CIVIC

EP3

03-05 STECH 3dr Hatch Back Incl 04+ SKA92-AUB00

$330.00

5/280 9.2/515 -34.5

-1.4

-32

-1.3

HONDA CIVIC

FG1

06+ STECH 2dr Coupe Exc Si SKB14-AUB00

$340.00

4.2/235 4.9/274 -29

-1.1

-21

-0.8

HONDA CIVIC

FG2

06+ STECH Si 2dr Coupe SKB14-AUB00

$340.00

4.2/235 4.9/274 -35

-1.4

-32

-1.3

HONDA CIVIC

FA5

06+ STECH Si 4dr Sedan SKB14-AUB00

$340.00

4.2/235 4.9/274 -35

-1.4

-32

-1.3

HONDA CR-X

ED8

89-91 STECH SKA36-AUB00

$260.00

4.8/268 2.2/123 -40

-1.6

-37

-1.5

HONDA CR-X

ED9

89-91 STECH SKA36-AUB00

$260.00

4.8/268 2.2/123 -40

-1.6

-37

-1.5

HONDA DELSOL

EG1

93-97 STECH Rr Fork SKA00-AUB00

$270.00

3.8/212 2.5/140 -45

-1.8

-37

-1.5

HONDA ELEMENT

YH1

03-06 STECH 2wd SKA76-AUB00

$370.00

5.4/302 11/615 -66

-2.6

-54

-2.1

HONDA ELEMENT

YH2

03-06 STECH 4wd SKA76-AUB00

$370.00

5.4/302 11/615 -64

-2.5

-62

-2.4

HONDA FIT

GD3

07-08 STECH FF SKB36-AUB00

$350.00

2.9/163 6/336 -46

-1.8

-31

-1.2

HONDA FIT

GE8

09+ STECH 2wd Now In Development 2.3/129 2.4/135 -40

-1.6

-40

-1.6

HONDA PRELUDE

BB1

92-96 STECH Incl. 4ws SKA40-AUB00

$320.00

4/224 3.7/207 -27

-1.1

-31

-1.2

HONDA PRELUDE

BB2

92-96 STECH Incl. 4ws SKA40-AUB00

$320.00

4/224 3.7/207 -27

-1.1

-31

-1.2

HONDA PRELUDE

BB6

97-02 STECH Incl. 4ws SKA30-AUB00

$310.00

4.3/240 3.7/207 -37

-1.5

-34

-1.3

HONDA S2000

AP1

00-03 STECH SKA58-AUB00

$290.00

5.3/296 6.5/363 -26

-1

-25

-1

HONDA S2000

AP2

03-06 STECH SKA58-AUB00

$290.00

5.3/296 6.5/363 -26

-1

-25

-1

HYUNDAI TIBURON

GK27

03-08 STECH 6cyl SKG38-AUB00

$320.00

4.6/257 3.6/201 -42.5

-1.7

-34

-1.3

INFINITI G20

HP10

90-98 STECH SKP18-AUB00

$280.00

2.7/151 2.5/140 -37

-1.5

-36

-1.4

INFINITI G20

P11

99-02 STECH SKP08-AUB00

$260.00

3.3/184 4.4/246 -45

-1.8

-21

-0.8

INFINITI G35 Coupe

V35

03-07 STECH 2dr Coupe SKP30-AUB00

$310.00

6.4/358 4.9/274 -30

-1.2

-23

-0.9

INFINITI G37 Coupe

V36

08+ STECH 2dr Coupe, Lot No P0223471- SKP30-AUB00

$310.00

6.4/358 4.9/274 -53

-2.1

-47

-1.9

INFINITI G35 Sedan

V35

03-06 STECH 4dr Sedan exc 4wd SKP14-AUB00

$310.00

6.4/358 5.2/291 -50

-2

-32

-1.3

INFINITI G35 Sedan

V36

07-08 STECH 4dr Sedan exc 4wd SKP92-AUB00

$340.00

6.4/358 5.2/291 -48

-1.9

-45

-1.8

INFINITI M35

Y50

06+ STECH V6 3.5L 2wd (exc 4wd) SKP60-AUB00

$350.00

7.6/425 10/559 -45

-1.8

-28

-1.1

LEXUS GS300

JZS160L

98-05 STECH SKY98-AUB00

$390.00

9/504 11/615 -39

-1.5

-27

-1.1

LEXUS GS400

UZS160L

98-05 STECH SKY98-AUB00

$390.00

9/503 11/615 -45

-1.8

-44

-1.7

LEXUS GS430

UZS160L

98-05 STECH SKY98-AUB00

$390.00

9/503 11/615 -45

-1.8

-44

-1.7

LEXUS GS300

GRS190L

06+ STECH V6 3.0L 2WD SKL78-AUB00

$330.00

4.1/230 5/280 -36

-1.4

-29

-1.1

LEXUS GS430

UZS190L

06+ STECH V8 4.3L 2WD SKL78-AUB00

$330.00

4.1/230 5/280 -36

-1.4

-21

-0.8

LEXUS IS250

GSE20L

06+ STECH V6 2.5L 2WD SKL90-AUB00

$370.00

6.5/364 6.8/381 -44

-1.7

-25

-1

LEXUS IS350

GSE21L

06+ STECH V6 3.5L 2WD SKL90-AUB00

$370.00

6.5/364 6.8/381 -41

-1.6

-31

-1.2

LEXUS IS300

JCE10

00-05 STECH 4dr Sedan SKY94-AUB00

$320.00

4.9/274 3.8/212 -33

-1.3

-40

-1.6

LEXUS SC430

UZZ40L

01-04 STECH 01-04 only SKL28-AUB00

$370.00

5.6/313 5.3/296 -32

-1.3

-41

-1.6

LEXUS RX300

MCU10L

98-03 STECH FWD SKL72-AUB00

$370.00

3.2/179 3.7/207 -63

-2.5

-62

-2.4

MAZDA MAZDA3

BK3P

04-09 STECH 5dr Hatch SKM66-AUB00

$290.00

2.9/163 4.3/241 -50

-2

-38

-1.5

MAZDA MAZDASPEED3

BK3P

07-09 STECH 5dr Hatchback / 2.3L Turbo SKM80-AUB00

$370.00

2.9/163 4.3/241 -25

-1

-16

-0.6

MAZDA MAZDA3

BK3P

04-09 STECH 4dr Sedan SKM66-AUB00

$290.00

2.9/163 4.3/241 -40

-1.6

-29

-1.1

MAZDA MAZDA6

GM3#

04-08 STECH 4dr Sedan 6cyl-3.0l FF SKM72-AUB00

$310.00

4.9/274 3.6/202 -54

-2.1

-41

-1.6

MAZDA MAZDA6

GN3#

04-08 STECH 4dr Sedan 6cyl-3.0l FF SKM72-AUB00

$310.00

4.9/274 3.6/202 -54

-2.1

-41

-1.6

MAZDA MAZDA6

GG3P

04-08 STECH 4dr Sedan 4cyl-2.3l FF SKM70-AUB00

$290.00

4.7/263 2.9/162 -58.5

-2.3

-36

-1.4

MAZDA MAZDA6

GM9A

04-08 STECH Wagon 6cyl-3.0l FF SKM70-AUB00

$290.00

4.7/263 2.9/163 -60

-2.4

-44

-1.7

MAZDA MIATA

NA6C

90-98 STECH SKM64-AUB00

$260.00

4.2/235 3/168 -29

-1.1

-19

-0.7

MAZDA MIATA

NA8C

90-98 STECH SKM64-AUB00

$260.00

4.2/235 3/168 -29

-1.1

-19

-0.7

MAZDA MIATA

NB8C

99-05 STECH SKM44-AUB00

$230.00

4.2/235 3.1/173 -22

-0.9

-30

-1.2

MAZDA MX-5 MIATA

NCEC

06+ STECH SKM74-AUB00

$290.00

2.5/140 2/112 -42

-1.7

-34

-1.3

MAZDA PROTÉGÉ

BJFP

99-04 STECH 4dr Sedan (exc MP3 03+) SKM46-AUB00

$340.00

3.2/179 2.6/145 -50

-2

-36

-1.4

MAZDA PROTÉGÉ5

BJFW

01-04 STECH 5dr Hatch SKM46-AUB00

$340.00

3.2/179 2.6/145 -45

-1.8

-38

-1.5

MAZDA RX-7

FC3S

86-91 STECH None Turbo SKM62-AUB00

$280.00

2.1/117 2.4/134 -25

-1

-24.5

-1

MAZDA RX-7

FD3S

93-96 STECH SKM50-AUB00

$320.00

7.8/436 5.8/324 -36

-1.4

-33

-1.3

MAZDA RX-8

SE3P

04+ STECH SKM58-AUB00

$280.00

3.7/207 2.6/145 -36

-1.4

-18

-0.7

MERCEDES C320

W203

01-05 STECH 4dr sedan exc Coupe/Wagon SKG00-AUB00

$290.00

2.4/135 8.5/476 -40

-1.6

-29

-1.1

MERCEDES C240

W203

01-05 STECH 4dr sedan exc Coupe/Wagon SKG00-AUB00

$290.00

2.4/135 8.5/476 -59

-2.3

-25

-1

MERCEDES C230

W203

03-05 STECH Kompressor4dr sedan exc Coupe/Wagon SKG00-AUB00

$290.00

2.4/135 8.5/476 -15

-0.6

-19

-0.7

MERCEDES C320

W203

02-05 STECH Sports Coupe exc Wagon SKJ26-AUB00

$310.00

2/112 8.1/453 -42

-1.7

-19

-0.7

MINI COOPER S

RE16

02(Mar)-07 STECH Cooper S. After March 2002 SKG74-AUB00

$270.00

4/224 4.4/246 -31

-1.2

-28

-1.1

MITSUBISHI 3000GT

Z16A

91-99 STECH AWD Turbo, exc 96+ Electric Sunroof SKR74-AUB00

$350.00

4.2/235 2.8/157 -39

-1.5

-33

-1.3

MITSUBISHI ECLIPSE

D27A

89-94 STECH AWD Turbo SKR80-AUB00

$350.00

3.8/213 3.2/179 -31

-1.2

-41

-1.6

MITSUBISHI ECLIPSE

D31A

95-99 STECH 2wd None Turbo SKR56-AUB00

$280.00

4.1/230 2.6/146 -32

-1.3

-34

-1.3

MITSUBISHI ECLIPSE

D32A

95-99 STECH 2wd Turbo SKR56-AUB00

$280.00

4.1/230 2.6/146 -32

-1.3

-30

-1.2

MITSUBISHI ECLIPSE

D53A

00-05 STECH 6cyl SKR70-AUB00

$290.00

4.3/240 3.2/179 -44

-1.7

-37

-1.5

MITSUBISHI ECLIPSE

DK4A

06+ STECH 6cyl, GT SKR96-AUB00

$340.00

4.6/258 3.2/179 -63

-2.5

-66

-2.6

MITSUBISHI ECLIPSE

DK2A

06+ STECH 4cyl, GS SKR96-AUB00

$340.00

4.6/258 3.2/179 -63

-2.5

-66

-2.6

MITSUBISHI GALANT

EA8A

99-03 STECH 6cyl SKR72-AUB00

$340.00

4.3/241 3.2/179 -56

-2.2

-39

-1.5

MITSUBISHI GALANT

EA3A

99-03 STECH 4cyl SKR76-AUB00

$330.00

4.3/241 3.2/179 -44

-1.7

-34

-1.3

MITSUBISHI LANCER

CS6A

02-07 STECH ES SKE06-AUB00

$340.00

5.2/291 2.6/146 -31

-1.2

-23

-0.9

MITSUBISHI LANCER

CS6A

02-07 STECH For OZ Rally SKR66-AUB00

$310.00

3.9/219 2.8/157 -45

-1.8

-27

-1.1

MITSUBISHI LANCER

CS7A

04-07 STECH For RALLY ART. Incl OZ Rally SKR66-AUB00

$310.00

3.9/219 2.8/157 -29

-1.1

-4

-0.2

MITSUBISHI LANCER

CY4A

08+ STECH ES SKE20-AUB00

$330.00

3.9/219 2.8/157 -54

-2.1

-36

-1.4

MITSUBISHI LANCER RALLIART

CY4A

09+ STECH RALLIART AWD SKE32-AUB00

$330.00

3.9/219 2.8/157 -55

-2.2

-45

-1.8

MITSUBISHI LANCER EVOLUTION.VIII

CT9A

03-05 STECH exc MR SKR84-AUB00

$290.00

3.8/212 5.2/291 -51

-2

-22

-0.9

MITSUBISHI LANCER EVOLUTION.VIII MR

CT9A

05 STECH MR (W/ACD, AYC) SKR94-AUB00

$270.00

3.8/213 5.2/291 -45

-1.8

-20

-0.8

MITSUBISHI LANCER EVOLUTION.IX

CT9A

06-07 STECH exc MR SKR84-AUB00

$290.00

3.8/213 5.2/291 -46

-1.8

-29

-1.1

MITSUBISHI LANCER EVOLUTION.IX MR

CT9A

07 STECH MR (W/ACD, AYC) SKR94-AUB00

$270.00

3.8/213 5.2/291 -45

-1.8

-20

-0.8

MITSUBISHI LANCER EVOLUTION.X

CZ4A

08+ STECH SKE18-AUB00

$350.00

4.2/235 3.8/213 -35

-1.4

-25

-1

NISSAN 200SX

B14

95-98 STECH SKP16-AUB00

$320.00

3/168 5/280 -62

-2.4

-29

-1.1

NISSAN 240SX

S13

89-94 STECH SKP04-AUB00

$290.00

3.7/207 3.2/179 -37

-1.5

-31

-1.2

NISSAN 240SX

S14

95-98 STECH SKP06-AUB00

$330.00

3.8/212 3.5/196 -32

-1.3

-24

-0.9

NISSAN 300ZX

Z32

90-96 STECH 2seater/4seater Turbo SKP46-AUB00

$280.00

3.5/196 3.4/191 -35

-1.4

-21

-0.8

NISSAN 350Z

Z33

03-08 STECH exc Convertible SKP26-AUB00

$320.00

6.9/386 7.2/402 -17

-0.7

-14

-0.6

NISSAN 370Z

Z34

09+ STECH Exc Convertible Now In Development 8.5/476 9.4/526 -22

-0.9

-19

-0.7

NISSAN ALTIMA

L31

02-06 STECH SKP38-AUB00

$350.00

3.7/207 7.2/403 -47

-1.9

-35

-1.4

NISSAN MAXIMA

A34

04-08 STECH SKP62-AUB00

$380.00

3.5/196 5.4/302 -41

-1.6

-12

-0.5

NISSAN MAXIMA

A33

00-03 STECH SKP20-AUB00

$340.00

3.6/201 4.8/268 -55

-2.2

-41

-1.6

NISSAN MAXIMA

A32

95-99 STECH SKP28-AUB00

$340.00

3.6/201 5/280 -56

-2.2

-45

-1.8

NISSAN SENTRA

B14

95-99 STECH SKP16-AUB00

$320.00

3/168 5/280 -62

-2.4

-29

-1.1

NISSAN SENTRA

B15

02-06 STECH SE-R specV SKP02-AUB00

$290.00

3/168 4.8/269 -34

-1.3

-29

-1.1

NISSAN VERSA

C13

07+ STECH 5Dr Hatchback SKP58-AUB00

$340.00

3.1/174 5.2/291 -44

-1.7

-38

-1.5

PONTIAC G8 08+ STECH GT V8 SKF04-AUB00

$440.00

3/168 6.4/358 -25

-1

-16

-0.6

PONTIAC GTO 04-06 STECH SKJ06-AUB00

$370.00

3/168 6.5/364 -26

-1

-24

-0.9

PONTIAC VIBE

-

03-08 STECH SKL06-AUB00

$260.00

2.6/146 3.4/191 -50

-2

-49

-1.9

SAAB 9-2X

GGA

05-07 STECH 9-2X AERO AWD model SKS60-AUB00

$350.00

4.5/252 3.9/219 -52

-2

-41

-1.6

SAAB 9-2X

GGE

05-07 STECH 9-2X AERO AWD model SKS60-AUB00

$350.00

4.5/252 3.9/219 -52

-2

-41

-1.6

SATURN ION

-

03-07 STECH Red Line 2.0L S/C SKJ86-AUB00

$320.00

3.4/191 2.1/118 -31

-1.2

-47

-1.9

SCION xA

NCP61L

04-06 STECH SKL48-AUB00

$310.00

2.6/145 3.2/179 -43.5

-1.7

-43

-1.7

SCION xB

NCP31L

04-07 STECH SKL42-AUB00

$310.00

2.6/145 3.2/179 -42

-1.7

-38

-1.5

SCION xB

AZE151L

08+ STECH SKC24-AUB00

$400.00

3.1/174 4.1/230 -43

-1.7

-56

-2.2

SCION xD

ZCP110L

08+ STECH SKC10-AUB00

$350.00

3/168 3.5/196 -56

-2.2

-57

-2.2

SCION tC

ANT10L

05+ STECH SKL52-AUB00

$290.00

3.6/202 6/336 -62

-2.4

-52

-2

SUBARU IMPREZA

GDA

02-03 STECH WRX SKS34-AUB00

$340.00

3.9/218 2.8/157 -51

-2

-19

-0.7

SUBARU IMPREZA

GDA

04-07 STECH WRX SKS60-AUB00

$350.00

4.5/252 3.9/219 -55

-2.2

-43

-1.7

SUBARU IMPREZA

GEE

08 STECH WRX 4Dr SKS80-AUB00

$330.00

3.1/174 2.9/163 -38

-1.5

-40

-1.6

SUBARU IMPREZA

GHE

08 STECH WRX 5Dr SKS80-AUB00

$330.00

3.1/174 2.9/163 -38

-1.5

-40

-1.6

SUBARU IMPREZA

GDF

04 STECH WRX STI 2004 Year Model (Rim P.C.D.=100) SKS60-AUB00

$350.00

4.5/252 3.9/219 -41

-1.6

-24

-0.9

SUBARU IMPREZA

GDF(D)

05 STECH WRX STI 2005 Year Model (Rim P.C.D.=114.3) SKS66-AUB00

$350.00

4.5/252 3.9/219 -44

-1.7

-31.5

-1.2

SUBARU IMPREZA

GDF(E)

06-07 STECH WRX STI 2006 Year Model (Rim P.C.D.=114.3) SKS66-AUB00

$350.00

4.5/252 3.9/219 -42

-1.7

-33

-1.3

SUBARU IMPREZA

GRF

08+ STECH STI SKS84-AUB00

$320.00

4.5/252 3.9/219 -25

-1

-20

-0.8

SUBARU IMPREZA

GGA

02-03 STECH WRX SPORTS WAGON SKS34-AUB00

$340.00

3.9/218 2.8/157 -42

-1.7

-20

-0.8

SUBARU IMPREZA

GGA

04-07 STECH WRX SPORTS WAGON SKS60-AUB00

$350.00

4.5/252 3.9/219 -41

-1.6

-38

-1.5

SUBARU IMPREZA

GGE

04-07 STECH WRX SPORTS WAGON SKS60-AUB00

$350.00

4.5/252 3.9/219 -41

-1.6

-38

-1.5

SUBARU LEGACY

BL9

05-09 STECH 2.5 GT Incl. Wagon GT SKS70-AUB00

$330.00

4.2/235 6/336 -39

-1.5

-37

-1.5

SUZUKI SX4

YB41

07+ STECH 2.0l AWD SKU42-AUB00

$380.00

2.9/163 4.4/246 -35

-1.4

-42

-1.7

TOYOTA CAMRY

ACV30L

02-03 STECH 4cyl 4dr. Until August 2003 SKL20-AUB00

$340.00

2.7/151 3.7/207 -42

-1.7

-37

-1.5

TOYOTA CAMRY

SXV20L

97-01 STECH 4cyl 4dr SKL20-AUB00

$340.00

2.7/151 3.7/207 -37

-1.5

-16

-0.6

TOYOTA CELICA

AT200

94-99 STECH exc AWD SKL36-AUB00

$290.00

3.9/218 2.2/123 -36

-1.4

-24

-0.9

TOYOTA CELICA

ZZT231L

00-06 STECH SKY70-AUB00

$280.00

3/168 4/224 -36

-1.4

-35

-1.4

TOYOTA COROLLA

ZZE110

98-02 STECH SKL02-AUB00

$310.00

3.2/179 2.5/140 -48

-1.9

-35

-1.4

TOYOTA COROLLA

ZZE130L

03-08 STECH SKL00-AUB00

$270.00

2.5/140 2.8/157 -59

-2.3

-61

-2.4

TOYOTA ECHO

NCP12L

00-06 STECH 2dr/4dr SKL48-AUB00

$310.00

2.6/146 3.2/179 -29.5

-1.2

-31.5

-1.2

TOYOTA MATRIX

ZZE132L

03-08 STECH SKL06-AUB00

$260.00

2.6/145 3.4/190 -58

-2.3

-54

-2.1

TOYOTA MATRIX

ZZE133L

03-08 STECH SKL06-AUB00

$260.00

2.6/145 3.4/190 -58

-2.3

-54

-2.1

TOYOTA SOLARA

MCV20L

99-03 STECH 6cyl SKL16-AUB00

$330.00

2.7/151 3.7/207 -42

-1.7

-36

-1.4

TOYOTA SOLARA

MCV21L

99-03 STECH 6cyl SKL16-AUB00

$330.00

2.7/151 3.7/207 -42

-1.7

-36

-1.4

TOYOTA SOLARA

ACV30L

04-06 STECH 4cyl SKL68-AUB00

$380.00

3.7/207 3.1/174 -52

-2

-47

-1.9

TOYOTA SUPRA

JZA80L

93-98 STECH Turbo SKL18-AUB00

$400.00

12/671 6.5/364 -28

-1.1

-25

-1

TOYOTA MR2

SW20L

90-99 STECH SKY96-AUB00

$350.00

2.75/154 4.9/274 -39

-1.5

-43

-1.7

TOYOTA MR2

SW21L

90-99 STECH SKY96-AUB00

$350.00

2.75/154 4.9/274 -39

-1.5

-43

-1.7

TOYOTA MR2 SPYDER

ZZW30L

00-06 STECH SKL22-AUB00

$260.00

1.9/106 2.9/162 -36

-1.4

-31

-1.2

TOYOTA YARIS

NCP91L

07+ STECH 3dr SKC10-AUB00

$350.00

3/168 3.5/196 -48

-1.9

-48

-1.9

TOYOTA YARIS

NCP93L

07+ STECH 5dr SKC10-AUB00

$350.00

3/168 3.5/196 -53

-2.1

-58

-2.3

TOYOTA TARCEL

EL53L

95-99 STECH 1.5L FF SKL86-AUB00

$310.00

2.4/134 3.3/184 -27

-1.1

-34

-1.3

VOLKSWAGEN GOLF (GOLF III)

1HX

93-96 STECH Ft Large S/P top VIN#~070450, exc Cabrio SKG62-AUB00

$320.00

2.9/163 2/112 -69

-2.7

-40

-1.6

VOLKSWAGEN GOLF (GOLF IV)

1J

04-05 STECH R32 V6 AWD Now In Development / / -19

-0.7

-36

-1.4

VOLKSWAGEN GOLF (GOLF IV)

1J

99-05 STECH GTI 1.8T(Turbo),VR6 SKG64-AUB00

$320.00

3.5/196 3.2/179 -39

-1.5

-41

-1.6

VOLKSWAGEN GOLF GTI (V)

1K

06-09 STECH GTi SKJ78-AUB00

$310.00

2.9/163 3.8/213 -53

-2.1

-53

-2.1

VOLKSWAGEN GOLF R32 (V)

1K

08+ STECH R32 V6 AWD SKV90-AUB00

$380.00

3.7/207 5.1/286 -25

-1

-25

-1

VOLKSWAGEN JETTA (IV)

1MX

99-05 STECH GLI 1.8T(Turbo),VR6 SKG06-AUB00

$340.00

3.5/196 3.2/179 -18

-0.7

-19

-0.7

VOLKSWAGEN JETTA (IV)

1MX

99-05 STECH GL 2.0L 4Cyl SKG06-AUB00

$340.00

3.5/196 3.2/179 -45

-1.8

-30

-1.2

VOLKSWAGEN JETTA (V)

1K

06+ STECH 2.5L SKJ76-AUB00

$340.00

3.1/174 4.7/263 -41

-1.6

-46

-1.8