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Facts Insurance Companies Don't Want You to Know!

Most cars can withstand an 8-12 mph impact without any damage to the vehicle.

During the 1970’s the insurance companies beat up the auto manufacturers for not making a vehicle that could withstand minor impacts. The insurance companies’ high premiums blamed poor vehicle construction. It wasn’t until the late 80’s, the auto manufactures produced vehicles that can withstand minor impacts of 8-12 mph, with virtually no damage to the vehicle. Unfortunately, the protection to the car, namely the collapsible bumper, does not extend to the occupants.

Most Injuries occur at crash speeds below 12 miles per hour.

Research on auto crash injuries, indicates 78% of injuries occur at auto speeds of 12 mph or below. Insurance companies continue to erroneously report that low speed rear impact crashes do not result in injury and if there is any injury the injury will heal in 6-12 weeks. This is totally wrong.

Over Half of all low impact rear-end collisions occur without vehicle damage.

This statistic is a result of the auto industry building a car that can tolerate low speed impacts but doing nothing for the occupants. Research shows that during a low speed impact, the measured peak acceleration of the head is much greater than the peak acceleration of the vehicle. And these accelerations constitute a major force that is responsible for damaging the neck and spine of the occupant.

There is no correlation between vehicle damage and the extend of the occupant's injuries.

If you want to know what is wrong with the car, you must look at the car. If you want to know what is wrong with the driver or passenger, you must look at the injures of the person. Insurance companies continue this myth in order to intimidate accident victims into signing early releases from their insurance claims. Insurance companies equate higher vehicle damage with higher occupant injury. The research indicates, there is no correlation between damage to the car and damage to the occupant.

Crashes in the order of 5-10mph produce enormous force mesured at 10-13g of force of the occupant's head, especially if the crash is a rear impact.

There is a correlation between the head acceleration measured as g-force and the impact velocity (mph) of the bullet car. (The target car is the one that got hit, the bullet car is the one doing the hitting.) G-force is defined: A force acting on a body as a result of acceleration or gravity, informally described in units of acceleration equal to one g. So if you weigh 200 pounds, then 10 g of force is equivalent to 2000 lbs of force applied to the tissues of your neck.

Injury from whiplash is very common with about 3 million Americans injured every year.

For drivers who get injured the following factors tend to lead to an overall poor outcome from your injuries: rear end collision; ligamentous instability; a prior crash that injured the neck. Other factors include: the head being turned at time of impact; not being aware of the pending impact; the seat back remains intact, i.e., not broken; the use of seat belt/ shoulder harness; female gender or advanced age; arthritis, prior headaches; shoulders and spine problems;

Statistics show the risk of injury in a low speed auto crash is in the range of 35-68%.

This means that for every 10 crashes involving a single occupant, seven of those occupants will be in injured. A total of 10% of those injured will become permanently disabled; 55% will have some type of chronic pain five years after the crash; and another 60% of them will have some type of permanent impairment. Nearly half of all chronic neck pain in America results from automobile crashes. Injury is more likely to occur in the following order: rear end, T-bone, and being in the bullet car.

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