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Using a personal injury calculator can help you figure out how much your car accident claims are worth. Here are the top 5 questions people ask about calculating the value of their auto insurance settlement.

1. How Does the Personal Injury Calculator Determine my Car Accident Claim?

The most basic formula that is known to be used for car accident injury claims is:

Pain Multiplier X Medical Expenses + Loss of Income

The "pain multiplier" is a number typically between 1.5 and 5. This multiplier number is chosen based on the severity of your car accident injuries; the more serious your injuries, the larger the multiplier.

For example, a minor injury like a sprained neck is more likely to get a low multiplier (1.5-3). While a more serious and painful injury, like a broken leg, would get a higher multiplier (3-5). The multiplier range may even go to higher figures (10) for more severe and long term injuries.

The next thing that is included in the claims formula is your medical expenses, also known as "special damages." These expenses include the cost of your medical treatments, visits to the hospital, ambulance ride, X-Rays, pain medication etc.

The final thing that is added in your insurance settlement is your loss of income. This refers to the amount of income you lost as a result of your injuries. For example, if your injuries forced you to stay home from work, then your lost income would equal your daily pay rate times the number of work days you missed.

2. When Should You Use a Personal Injury Calculator?

The best time to use the injury calculator is at the end of your medical treatment. You should always have your injuries thoroughly diagnosed and examined before filing an injury claim. This gives you a more accurate estimate of your total medical expenses that should be included in your final settlement.

3. Who Should NOT Use the Personal Injury Calculator?

Most personal injury claims involve minor injuries that do not require you to immediately hire an expensive lawyer. For these types of claims, you should use the injury calculator to get a rough estimate of what your auto accident settlement might be worth.

However, there are insurance claims which cannot be handled without the help of a skilled injury lawyer. These types of car accident claims involve more serious and long term injuries like permanent disabilities, lost or severed limbs, traumatic head injuries etc. If you were severely injured, your best option is to meet with a lawyer who is familiar with claims related to your specific injuries.

4. How Accurate is the Personal Injury Calculator?

The injury calculator does not give you the exact final settlement, but an initial estimate of how much your injuries are worth to the insurance companies.

Many people would argue that the injury calculator is too simplistic. That it does not address the complexities and subtleties of an individual's personal injury claim. Others are quick to bring up Colossus, a sophisticated software program used by the insurance companies to evaluate insurance claims.

However, the biggest benefit of using the personal injury calculator is not to tell you what will be your specific settlement amount. The biggest benefit is to help you understand how your specific settlement amount will be calculated. The settlement calculator emphasizes that the range of your final settlement amount will be primarily based on:

1. The seriousness of your injuries.
2. Your total medical costs.
3. Your lost income.

These are going to be a key factors in your injury settlement regardless of which specific software program you use.

5. Should I Use the Personal Injury Calculator?

You will always have the option of bringing in a lawyer further down in the claims process. The best advice is to use the settlement calculator to get a quick assessment of what your auto accident claims can be worth.

See examples of using the settlement calculator to increase your accident settlements at http://www.after-car-accidents.com/personal-injury-settlements.html.

Learn helpful tips on dealing with your car accident claims at: http://www.after-car-accidents.com

Celebrity Profiles - James Holzier - A New Authentic Light

Not just an interesting face, but the truth beneath the skin makes someone authentic. Who is authentic? None other than the immensely talented and rising star James Holzier. Celebrity sites across the net are profiling Holzier, including Babes and Hunks who lists him as one of the sexiest celebrities and Hunk Star, followed by Hunky Male Celebs, just to name a few. Holzier is the #1 searched for celebrity in the world on MenCelebs.com Was one of the most searched for celebrities in the year 2006 and 2007. All of this of course is only growing as the profile of James Holzier will begin to sink in with his rising reputation. The positive word is spreading about James through the Hollywood grapevine.

You may not have caught one of his earliest roles, Dreams in the Attic alongside Haylie Duff in 2000, but here is some background information so you can get to know this rising star.

Born in Fairfax, Virginia on August 11th. Holzier was given no chance of survival by doctors in Fairfax Hospital in Fairfax, Virginia. Holzier was strapped to life lines in the first months of his birth. Doctors and medical staff alike were pessimistic on his survival. Months later Holzier was released from the hospital. In his young life, Holzier was involved in a fire accident where he received burns to the left side of his face. Young James remained optimistic while doctors informed him he would have permanent scars. Luckily, he bears no scars today.

Holzier showed acting potential at a young age when he landed commercial after commercial, but he preferred to concentrate on Shakespeare. Among his many stage credits. Holzier's theater experience includes the title roles in Shakespearean plays such as, "Romeo and Juliet", "Hamlet" and "Othello." He stood out not just because of his roles, but because of his presence. With the growing passion in acting this eventually lead him to two made for TV movies.

Holzier was offered a host of parts which he could have chosen that would have led him to instant stardom. This included a role in the movie The Postman, in which he would've starred alongside Kevin Costner. James' reasoning for turning down the role? He had already committed to his high school play, "Look Homeward, Angel." Holzier followed his own path and his instincts, operating on his intuition. He wanted to wait until the timing was perfect to make his big break.

The one thing noticeable about Hollywood star-on-the-rise James Holzier is his focus and joy for life, far more so than the norm. It is through this and more that James Holzier is developing a large following and garnering the respect of his peers. Often called a symbol of hope as one fan refers to him. "He makes me believe in myself," says Rickki Donovan of St. Louis, Missouri. With this growing appeal branching out to a wide spectrum, you can be certain young and middle aged female admirers alike are taking note.

Fan Clubs for James Holzier are beginning to emerge already. Girls seemingly doing everything in their power to catch his eye. Juicy UK, one of the top celebrity gossip sites in the United Kingdom has already called him one of the next big things in Hollywood, along with Girl Power in Australia who is netting him as a rapidly rising star.

Whether it is an International Fan Day, or a large growing fan base. Whatever is next for Holzier is undoubtedly a bright future. One thing is for certain, it certainly will be on his own terms. James Holzier is no doubt on the verge of stardom and we will be cheering all the way.

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How can I tell if girls think I am good-looking, ugly, or average?

I am too shy to ask girls for their opinion and am unsure whether I am hot, average or fugly. I have only been hit on once in my life and that was five years ago. I am 23 and have never had a girlfriend, and I am unsure whether this is because I am shy (and not confident) or because I am ugly. I see other guys get hit on all the time, but I receive no attention from the opposite sex. What are some signs that girls think I am 1) handsome, 2) repulsive, 3) not a hunk but not terrible either? And please don't go on about confidence. I know what y'all think about that; I just want to know about outward appearance, thanks.

I'm 23 but male. The shy part gets you and then it's done!! I was shy too but when I found out being shy gets you know where I got over it and turned my life around big time! Looks yeah they matter but the shy part is where you go bust man! I have no clue what you look like man but I'd do yeah!! Ha ha joke!! just say to yourself your one piece of hot man candy!! Girls would be a fool not to be all over you!

Local church gets new home on Route 66
Pastor Bart Kelly with Sapulpa Life Church has announced the acquisition of the âhistoricâ Starlite Skate Rink for the ministryâs use.

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