Getting A Fair Whiplash & Minor Impact Injury Settlement From
An Insurance Company.
$500,000 or more in compensation is possible
when the truth is known.
Note: Click this link
for a detailed description of what is contained in every chapter of Whiplash
Injury and all its bulletins and supplements. Click this link
to find out how
to get the manual
Learn about the only system for getting big money settlements from insurance
companies that comes
with a $500 award guarantee of satisfaction.
The system was developed by a man named Sal Fariello, the forensic consultant
who helped consumers get over $17,000,000 in refunds from General Motors. He is not himself a
lawyer. But his system is so powerful that even lawyers are amazed at how well
it works. Many lawyers are even telling their lawyer friends that they should
pay attention to what Mr. Fariello says. Here's an example:
"Sometimes a singular,
clear voice can be heard above the ruckus -- Sal Fariello is telling the truth
about low impact litigation and we all should listen carefully. I have found no
one who knows more about the controversial and complex area of low impact
litigation than Sal Fariello. Any attorney worth his salt should pay close
attention."
-- Warren Anderson, Esq.
Anderson and Howell
Jacksonville Beach, FL
(904) 247-1972
"I
have been working in the field of accident reconstruction and injury
biomechanics for over 20 years and I got sick and tired of seeing millions of
innocent people all over the world screwed by insurance companies that don't
want to pay a fair settlement for whiplash-related injuries. So I devised a way
to put an end to all this abuse of innocent consumers. Please give serious
consideration to what I am offering you. It could change your life. -- Sal
Fariello
How lawyers and insurance
companies are screwing whiplash victims and how you can fight back.
************
If you are the victim of a whiplash injury, you
stand an excellent chance of winding up screwed by an insurance company,
screwed by your own lawyer, screwed by your own doctor, and cheated out of
proper repairs by the body shop that fixes your car . Here are just a few
reasons for this:
1) Many doctors are not familiar
with the latest diagnostic procedures for finding all the injuries in a
whiplash case so they incorrectly tell their patients not to worry, and that
they will get better soon with a little rest and some aspirin. There are many
cases where the whiplash victim will never fully recover, and will actually get
worse over the years.
2) Too many lawyers don't know how to
properly handle a whiplash case and don't have a clue as to how to overcome the
phony arguments used by some insurance companies to justify their refusal to pay
a big settlement.
3) Many lawyers incorrectly tell
their clients that it is impossible to fight an insurance company in a whiplash
case unless they hire expensive engineering experts who charge thousands of
dollars to prove why minor vehicle damage can lead to major injury.
4) Too many lawyers are
incorrectly telling their clients that if they do not have an obvious disc
herniation their case isn't worth very much money. This is false. Whiplash
victims who can prove other kinds of whiplash neck injury are getting as much as
$500,000 and up
with no disc herniations.
5) Too many lawyers are unwilling
to expend the effort to learn what is necessary to win against insurance
companies in a whiplash case. Many of them are doing nearly nothing for their
clients beyond taking 33% to 40% of their settlement money for doing virtually
no legal work on behalf of the injured whiplash victim. The dirty little secret
in the law business is the prevalence of so-called "settlement days."
These are days where insurance company lawyers show up at the plaintiff's law
firm and issue checks to settle cases wholesale just to get rid of them. Aside
from filing the case, your lawyer may do almost nothing for you. In fact, your
lawyer may not even file a lawsuit. All that may be done is that the law office
sends a "demand letter" to the insurance company asking for money, and
then takes whatever the insurance company eventually pays. The lawyer just
waits for a settlement day and then skims off 33% to 40% of your settlement
without doing any meaningful work on your behalf. Not all lawyers do this. The
truly excellent attorneys would never engage in such practices. Finding a truly
excellent attorney who is willing to learn how to fight for a whiplash victim is
not easy.
6) Some insurance companies take
advantage of lazy, incompetent lawyers who will take any settlement and run, so
they offer "peanuts" and know they can get away with it.
7) There is about a 50% chance
that your car has major hidden damage after a low speed rear end impact that the
body shop will not repair. This damage does not involve the bumper and it is far
more serious, but some insurance companies actually discourage repair shops from
fixing it because it drives up insurance claims costs. The bottom line -- you
get cheated out of repairs that often cost $2500 or more. And then the insurance
company lawyers add insult to injury by claiming that photos of your car don't
show a lot of damage so you really can't be very badly injured. In fact, the
damage is hidden and will not show up in any photographs!
A few years ago Allstate Insurance Company decided that it
would vigorously oppose lawyers who were making what appeared to be easy money
from wholesale filing of whiplash law suits. Most other insurance companies have
adopted similar policies. In the February 1999 edition of The ATLA Advocate
(Association of Trial Lawyers of America), on page 2 an article cited an
insurance consultant as stating that "the attorneys that once could get
things done easily are being sent a message that it's not going to be done
easily anymore."
Where does this all leave you, the whiplash victim?
Screwed, unless you fight back. And you can fight back. Allstate is perhaps the
toughest insurance company out there in fighting what they believe to be
exaggerated whiplash claims. Read for yourself what a lawyer who was taught by
Sal Fariello had to say about his system. So that you will
know that the statements we are quoting are true, we are providing the name of
the attorney and the attorney's telephone number.
Milton Brown, Esq., practicing in
Woodbury New Jersey (phone 856-845-7898), had a female client with a
lumbar disc rupture caused by a low speed rear end crash. Allstate offered
nothing. The case was scheduled to go to trial. Mr. Brown heard about Eastern
Forensic Science Group from a colleague and telephoned Sal Fariello, Eastern
Forensic's senior analyst. As a result of the assistance provided by Mr.
Fariello, Allstate settled for a very substantial sum (Allstate demanded
that the sum be kept confidential by Mr. Brown). On August 1, 2000 Mr. Brown
wrote a letter to Mr. Fariello in which he stated the following (letter
excerpted in part):
"I would like to thank you for your
professionalism in handling this most difficult case. There is no doubt in my
mind that the diligence and dedication that you extended on this case was a very
strong reason that this case in fact settled. Prior to retaining your office ...
there were no offers on the case and this case was yellow sheeted by Allstate
Insurance Company, which means that it is supposed to proceed to trial without
any further settlement negotiations.
I cannot express my gratitude enough for your help
and guidance. Allstate constantly is putting forth its M.I.S.T. (minor impact
soft tissue) defense in regard to low impact accidents. I literally did not know
how to defend this [against Allstate's M.I.S.T. defense] on behalf of my client.
Because of your help and guidance, I now have an understanding of the physics
and proper methodology behind Allstate's defense, which is weak at best and
fraudulent at worst. I can only hope that other members of the Plaintiff's bar
continue to seek your advice and guidance so that we can eventually expose
Allstate for what they are and turn the tide in the public's perception in
regard to low impact motor vehicle accidents. It is clear to me that when proper
methodology is coupled with legal cooperation when dealing with low impact
accident cases we can expose the misrepresentations of the so-called
biomechanical experts and put the truth before the public and the jury."
The so-called "biomechanical expert"
working for Allstate who Mr.
Brown was talking about happened to be one of the most prominent and influential
biomechanical scientists in the world. Nevertheless, even his impressive
credentials were no match for the truth about whiplash and the system developed
by Mr. Fariello for presenting this truth.
Whiplash victims should not underestimate the power
of the truth to persuade insurance companies to
offer more realistic out-of-court settlements than the insulting $500 to $1500 or so
they routinely present to unfortunate whiplash victims. In an effort to make the
truth about whiplash commonly available, Sal Fariello wrote an
easy-to-understand training manual
designed for people with no technical background in engineering or accident
reconstruction. This manual contains all the information consumers need to make insurance companies
pay big settlements in whiplash cases, often without using a lawyer, and the
manual has been updated in 2005 to keep it current with recent developments in
whiplash research.
Here's what Warren Anderson, Esq., (904-247-1972) a
lawyer in Jacksonville Beach, Florida said about Mr. Fariello's manual:
"This book is an absolute gold mine for anyone
engaged in low impact litigation. Sal Fariello presents to us the clear truth in
this complex and controversial area of the law. No one knows more about low
impact litigation."
"The clear truth." That's not easy to
find these days. But you're going to need it on your side if you are to have any
hope of getting a settlement of $400,000 or more. Here's what Lee
Morof, Esq., of Southfield, Michigan (248-354-6480) said about Mr. Fariello's
manual:
"Mr. Fariello's knowledge of accident
reconstruction and injury biomechanics is amazing. His manual is a must read
resource for plaintiffs' lawyers who want to fight back against insurance
companies and their hired gun experts."
Anybody who knows anything about lawyers knows that
they are not typically liberal with their praise. And yet, any lawyer who
becomes familiar with Mr. Fariello's manual has nothing but praise for it. One
reason they like the manual so much is that it is so easy to understand and use.
It does not contain a whole lot of technical mumbo jumbo because it was written
for non-technical people. Lawyers are not technically oriented. Yet they find
Mr. Fariello's manual simple to understand. Here's what Paul Brockway, Esq., (352-377-9000) a lawyer in Gainesville, Florida
said about Mr. Fariello's ability to communicate complex technical information
in easy-to-understand language:
"I have nothing but the highest praise for the
work done by Mr. Fariello in the fields of accident reconstruction, injury
causation and biomechanics. Thanks to Sal, I have become very comfortable with
what once seemed to be highly complex and technical material."
Sal Fariello has a long history of consumer
advocacy and writing books to help consumers either save money or obtain money
they deserve. Nearly every public library in America has a copy of his book Mugged
By Mr. Badwrench. In this book, he described how he helped consumers get
refunds totaling over $17,000,000 from General Motors. In The People's Car
Book, he taught consumers how to avoid getting ripped off by car dealers and
repair shops. Now he is blowing the whistle on insurance companies and how many of them are ripping off whiplash victims.
His manual is titled Whiplash Injury. The subtitle is
The Complete Consumer Guide To Getting All The Money You Deserve From An
Insurance Company When You're Injured In A Rear End Car Crash.
This manual (updated in 2005 to include coverage of
frontal crashes and now updated for 2006 and 2007) was written especially for consumers
who are fed up with getting pushed around by insurance companies and tired of
hearing a lot of double talk from lawyers.
The manual is so different from anything ever previously published
on the subject of whiplash-related injury that it comes with an amazing $500 award guarantee of satisfaction
(explained later). And here's the secret of why the manual works so well.
When lawyers hire Mr. Fariello to prepare a biomechanical analysis of a whiplash
injury, he charges these lawyers up to thousands of dollars for his analytical work
and a written report.
And his written report is what makes the insurance company pay up. The secret is
that his written reports simply make reference to everything written in his
manual. Once you have your hands on the manual, you have all the knowledge and
power in your possession that Mr. Fariello uses to make insurance companies pay
up. And you don't have to pay thousands of dollars to get that knowledge.
Chapter Summary
Here is a list of the chapters and a summary of the topics covered in
each chapter and supplement of this 278 page training manual completely revised
April 7, 2008.
Chapter
1. Whiplash, a growing worldwide health problem. This chapter provides
worldwide statistics about whiplash incidence, with new coverage of the whiplash
problem in Canada.
Chapter 2. The undamaged bumper scam. This
chapter explains how insurance companies and their hired gun engineers falsely
assert that an apparently undamaged bumper means that the vehicle's driver could
not be hurt. The chapter reveals the truth about how to interpret bumper damage
in relation to injury.
Chapter 3. The Delta V myth. Insurance
company engineers falsely argue that a change of speed (Delta V) of at least 5
miles per hour is required for the struck car before injury can even be
considered. This chapter shows why this is junk science nonsense. Also covered
is how insurance companies are ripping consumers off in body repair shops by
failing to properly repair hidden damage and then committing fraud on the court by using misleading damage
photos to prejudice juries. How to keep these photos out of court or use them to
a whiplash victim's advantage is covered in great detail.
The truth about shoddy repairs in body shops is being concealed (we're not
talking about using aftermarket sheet metal). If what is going on in the body
shops in connection with minor impact crash repairs were commonly known,
insurance companies could be sued for billions of dollars.
Chapter 4. Biomechanics, science or quackery?
Biomechanics as used by insurance company engineers in whiplash cases is really
junk science that should not be allowed in court. This chapter provides the
proof that biomechanical engineers have been engaging in fraud against whiplash
victims.
Chapter 5. Cervical disc herniation in low speed
crashes. Insurance company engineers and scientists have been arguing that
it is not possible to get a disc to rupture in a low speed crash without also
having fractured vertebrae. This is a lie and chapter 5 explains why.
Chapter 6. Lumbar disc herniation in low speed
crashes. This chapter provides evidence that lumbar disc rupture can occur
in low speed crashes.
Chapter 7. Brain injury from whiplash, fact or
fiction? The evidence clearly indicates that minor crashes can and do cause
serious brain injury without the head striking anything!
Chapter 8. Cervical nerve damage invisible to
MRI. Insurance company doctors falsely claim that MRI's can prove that
serious injury did not occur in a whiplash event. This chapter explains blood
hammering and how it injures nerve cells in the neck, sometimes permanently, in
very minor crashes.
Chapter 9. TMJ, shoulder impingement, carpal
tunnel syndrome, leg injury. Mechanisms that explain these injuries in low
speed rear end crashes are discussed.
Chapter 10. The hyperextension/hyperflexion
controversy. Plaintiff's lawyers often lose trials for whiplash victims because
the treating doctor mistakenly tells the jury that whiplash injury is always
caused by hyperextension and/or hyperflexion of the neck. This chapter reveals
the truth about the role of hyperextension and hyperflexion in whiplash injury.
Chapter 11. The head acceleration controversy.
Many engineers hired by insurance companies have attempted to debunk the long
accepted argument that whiplash injury is caused by the fact of the head
accelerating 2 to 3 times as much as the struck car. New evidence reveals that
the so-called head acceleration multiplication factor is real and does relate to
whiplash injury.
Chapter 12. A raw deal for women. Woman
sustain the most whiplash injuries worldwide. Insurance company defense experts
have contrived a clever, but fraudulent way to deny women whiplash victims
justice using falsified and manipulated data to prejudice juries against female
whiplash victims.
Chapter 13. Combating phony insurance company
arguments.
Virtually all the arguments commonly used by insurance companies against whiplash
victims are junk science frauds that cannot hold up to careful scrutiny. The
idiotic notion that low speed rear end crashes are no worse than plopping into a
chair is exposed, along with many other fraudulent arguments used against
whiplash victims.
Chapter 14. Courthouse whores hired to beat you. Nearly 100% of the engineering expert witnesses used by
insurance companies to fight whiplash claims are incompetent quacks. This chapter reveals how to expose
them for what they are.
Chapter 15. Active head restraints, the end of
whiplash? Volvo and Saab are touting new seat and head restraint designs
that supposedly greatly reduce whiplash injury. The truth about these new seats
might shock you.
Chapter 16. Car maker and insurance company
cover-ups. This chapter is an exposé that might cost the
insurance industry and car manufacturers billions of dollars. While the Insurance
Institute for Highway Safety claims to be committed to driver safety, their
record in whiplash may suggest otherwise. Car manufacturers and insurance
companies have essentially
been covering up the severity of the whiplash problem and simple solutions that
could reduce whiplash injury. These solutions have been kept from the public.
Find out all about how car manufacturers have been lying to you and what you can
do about it.
Chapter 17. If you go to court. What you
need to be aware of if you take your case to court.
Chapter 18. How to avoid being sold out by your
own lawyer. Too many lawyers are screwing their whiplash clients out of the
insurance money they deserve. You don't have to be a victim of a lazy or
incompetent lawyer. This chapter will tell you all you need to know to prevent
yourself from being victimized by dumb lawyers.
Chapter 19. Settling your claim without a lawyer.
How do you really know what your claim is worth? Tips on establishing settlement
value and negotiating with an insurance company are found in Chapter 19.
Frontal Crash Supplement. This is all new
material first released on October 20, 2005. This 22 page supplement includes
thorough coverage of neck, back and brain injuries which commonly occur in
minor impact frontal collisions. Too many brain injuries are misdiagnosed in
minor impact frontal collisions. This supplement will tell you how these
injuries occur and what symptoms are typically associated with them. How
seat belts are actually causing serious neck and back injury is also included,
and lots more!
Side Impact Supplement. This is new material
first released April 7, 2008. This supplement covers neck and back injuries in
"minor" side impacts.
Diagnostics Supplement. The new fully
illustrated Diagnostics Supplement released April 7, 2008 reveals revolutionary
new information about the most advanced medical diagnostic techniques developed
in Europe which can prove that the accident caused your injuries, and which can
find a lot of hidden injuries which are far more serious than a herniated disc!
This information can be extremely valuable in helping you or your lawyer prove
your injuries were caused by the accident, prove the actual extent of your
injuries, and get the best possible monetary settlement. Now you can more
effectively fight back against insurance companies that assert your injuries are
minor "soft tissue" annoyances or that claim your injuries were
pre-existing and had nothing to do with the crash.
Index. Complete alphabetical index to make topics
easy to find.
Appendix. Contains 29 exhibits which include
devastating documents not available from any other source.
Update Bulletins. The manual has been
periodically updated with update bulletins to keep it current.
Click this link
to order the manual.
All this and much more will be revealed to you by
Sal Fariello, the man about whom one lawyer said the following:
"Sometimes a singular,
clear voice can be heard above the ruckus -- Sal Fariello is telling the truth
about low impact litigation and we all should listen carefully. I have found no
one who knows more about the controversial and complex area of low impact
litigation than Sal Fariello. Any attorney worth his salt should pay close
attention."
-- Warren Anderson, Esq.
Anderson and Howell
Jacksonville Beach, FL
(904) 247-1972
Remember, Sal Fariello is the man who helped
consumers recover over $17,000,000 from General Motors. Now he is showing
whiplash victims how to get all the money they deserve from insurance companies.
All scientific arguments in the manual are backed up by reference
to the best learned treatises and publications from all over the world. Many lawyers have said
that just knowing what the treatises are and what they say can make an insurance
company want to settle. Several lawyers have stated that the bibliography in the
manual is worth thousands of dollars all by itself. And it has been said that
the documents included in the exhibits section will make car manufacturers and
insurance companies tremble!
How To Get The Manual
For price and ordering information, click this link.
$500
award guarantee of satisfaction
The information contained in the 19 chapters of
Whiplash Injury is unique and unlike any treatment of
the applicable whiplash issues ever previously published. This manual is not
just another tedious technical treatise on the subject of whiplash. It is a
devastating exposé and training guide the likes of which has never before been
published anywhere. Furthermore, the documents included in the exhibits section
of the manual are mostly unavailable from any other source.
Unlike other publications about whiplash
injury, this manual was specifically designed and written to tell consumers how to get monetary justice
when they become victims of low speed
crashes. The many other publications about whiplash in the marketplace are
fairly informative in a technical sense, but they do nothing to empower the
whiplash victim to play hardball with insurance companies. The major problem
with most books about whiplash is that they try to be all things to all people
and wind up being nothing to anybody. They are filled with equations and
technical mumbo jumbo intended to impress the reader with the author's
engineering knowledge. The authors of such books, even if they know the truth
about whiplash, are often afraid to tell it because they fear losing consulting
business from insurance companies. They are always walking the fine line, trying
to avoid antagonizing insurance companies from which they seek engineering
consulting business. As a result, expert witnesses have sadly acquired a
reputation for being "whores" who will say anything for a fee, and
particularly anything for the highest bidder. The highest bidders are often
insurance companies because they have the most money to spend on engineering
experts.
Whiplash Injury was written to help correct the
horrible injustice that has been committed against whiplash victims by insurance
companies and their hired-gun, "whore" expert witnesses. There are
many honest accident reconstruction and crash injury reconstruction experts who
do not sell canned opinions for a price, however. These professionals have the
fortitude to tell insurance companies, and plaintiff's lawyers for that matter,
the truth when retained to analyze a vehicle accident, even if that truth is
something the insurance company or lawyer may not like hearing. The manual was
also written to honor such professionals for their courage and integrity and
unwillingness to prostitute their skills to the highest bidder.
We are so sure that
the reader will find that the information contained in Whiplash Injury offers special
value and usefulness that we make the following guarantee:
If within 30 days of receipt of the manual by the original purchaser, such
purchaser believes that the manual offers no unique information unavailable from
any source published prior to December 2001, the purchaser may keep the manual
and Eastern Forensic Science Group will issue a check payable to the purchaser
in the sum of $500 U.S. under the following conditions:
1) The purchaser must state to Eastern Forensic Science Group in writing
where identical and equivalent published information was made available prior to
December, 2001.
2) The purchaser must state in writing why it is believed that the manual
offers no unique information to the reader.
If upon examination of the evidence presented by the purchaser it is
determined by Eastern Forensic Science Group that the information in the manual
is by some coincidence entirely duplicative of previously published material, a
check in the sum of $500 will be forwarded to the purchaser within thirty days
of receipt of the purchaser's letter.
