After doing research after research this book is the best thing I have found, and I am a lawyer! Atty. S., Hartford, CT

Mr. Baldyga: Your book is by far the most impressive body of material I've seen regarding handling personal injury claims. I heeded your step-by-step advice, and I am extremely pleased with the results from my claim! K. Murphy, St. Louis, MO

I want to thank the author for such a wonderful tool. I was rear-ended while running an errand for my employer. Earlier this year I received a letter from the other party’s insurance wanting to settle the claim. The initial settlement offer was $3,500. I was about to settle, but became upset with the fact that the injury that occurred from the result of this accident had not fully healed. So I read about your book and ordered it. Once receiving the book I followed the instructions and am happy to report that I have settled for $10,000 plus $4,612,19 for Worker’s Comp. Thank you again. Florence T., San Diego, CA

Thank you so very much! I've been reading through the book, and boy do I wish I had it before the accident. So far I think I've done it all wrong. J. Moore, Houston, Texas

Dear Dan, A lot of my attorney contacts are using your claims calculator. By doing so, most of them discovered they were being low balled on settlement offers made by insurance companies. I wanted to thank you for everything you have done for those who are in need but don't know where to turn for such splendid "Right on the money" insights and assistance. Dr. Leonard K., Berkley, California

Mr. Baldyga, I have had to fight tooth and nail on the total loss of my car but have successfully done that due to downloading your book off the Net. I pray that you will always successfully live in peace and harmony. Ruth L., Las Vegas, Nevada

Dan Baldyga Your book has given me the ability to settle my on claim with ease. Everything that I needed was within the pages of your book. When I sat down with both insurance adjusters from the two different insurance companies they were very impressed with my knowledge of the process and pleased that I had everything they needed to process the claim. I settled for 15,730 for property damage and 80,000 for medical bills and pain and suffering. I think the 8 X 10 glossies of my injuries to my body and car really did the job. I wish you could have been there when the insurance adjuster looked at them for the first time. H.A. Saunders, University student

Dear Dan:
My wife and I were injured in a rear-end accident in
early this year. As a international student, I had no
idea how to settle the medical bills with the
insurance company. Fortunately, I found your book and
ordered it online. I just finished the negotiation
with the adjuster several minutes ago. Following the
instruction in your book exactly, I made her increased
the offer by more than $5000.00. Thank you so much for
your book. It made me feel confident when I fought
with the adjuster for a fair settlement. Max, Fayetteville, Arkansas

Dan, I bought your wonderful book through the internet. I was rear ended while sitting at a red light. I was paid $7,500 for my pain and suffering. Thank you so much for all our help. You're a great writer and I sincerely appreciate your insights. Charles T., Little Rock, Arkansas

I have just finished reading the great book, wow, it was very informative and I have recommended it to several of my friends to purchase the book. Even if you have not had an accident it is worth reading. I sure appreciate you working with me to get the book by calling. Mack F., Wexford, PA

Dear Diane: I would like to thank you and Dan for the knowledge I gained through reading Dan's book and applying the BASE Formula in negotiating a settlement for my son's pain and suffering resulting from an auto accident in 2003. My son received $12,000. This is substantially more than the $5,000 offered by the insurance company for the liable party. Your book allowed me to realize how unfair the original offer was, and allowed me to be on a more level playing field with the loss adjuster. Thanks again! Mike H., Pittsburgh, PA

“Your book is well put together and filled with much more data than I imagined. I have a background in doing a lot of Personal-Injury Auto-Accident Insurance Claim works. I am so impressed. It included so many things I have not known about nor considered.” Dr. Kelly M., Miami, Florida.

Hi Dan: I just wanted to write a short note to thank you for your straight-forward facts on whiplash injury. I was rear-ended at a complete stop 10 months ago and have been suffering in pain every since. I was diagnosed with Grade III WAD, and have been told the pain might remain chronic. Thanks for destroying the myth that the more serious the damage to the car, the more occupant injury. I sustained somewhat minimal damage to my Honda Accord but substantial damage to me. Your book and the articles you've had published explain why some of these things add up to a more prolonged injury recovery. Thank you again. Those of us who are suffering from Whiplash need more people like you on our side. Sherry C., Montreal, Canada

“When I read about your book at first I was hesitant but when I learned about your calculator it got my attention and I had to know more. Later on, and armed with your BASE FORMULA, I knew how much of a settlement I should be aiming for and it ended up being twice the amount I was thinking about, before I read your book.” Marlene F., Amarillo, Texas.

“The adjuster seemed so fast to try and settle (actually she was pushy and rude). I wanted to find more information on what was a fair settlement so I bought your book. Later on I contacted my insurance company and I received the $1,000 in Medical Payments coverage your book told me about. Through all the years of paying for insurance I had never read, nor understood the policy close enough, to know this money was available. I would have never been aware of this if not for your book. Thank you, thank you, thank you!” Dee K., Portland, Oregon.

Thanks for an outstanding book and service you have provided to the average consumer. I have told all of my friends, family and anybody who has been in an accident, to get hold of your book because it does work. John H., Washington

My wife and I have used your book as a reference over the last couple of months in getting witness letters, pictures, and keeping good track of all costs and lost wages. It's been very helpful for dealing with the insurance adjuster too. We've been very careful to wait until my wife and I have both been cleared by our doctor before even discussing pain and suffering to close the claim. Seth P., Tuscaloosa, AL

“I wanted to tell you that your book has helped my husband and I tremendously. Until I downloaded your book, we had no idea what our rights were. Your book has been such a huge help to us. We can never thank you enough for all you’ve done for us.” Shirley B., Nashville, Tennessee.

“Understanding how the injury-insurance-settlement process works has been central to making the right decision’s in dealing with both our own insurance company, and the one who insured the person who hit my husband John. It’s been just wonderful. Thanks for writing the book; it was such a great help.” Pam O. Sanborn, New York.

“The adjuster was determined to take advantage of me, acting if my injuries were minor and my complaints were being over stated. I handled him exactly the way you suggested and it worked like a charm! When our settlement talks began he offered me a pittance but, because I read your book, I knew how to handle that. I had been willing to settle for about $1,000 however your BASE FORMULA told me my case was worth (at the very least $2,700) plus the damage to my car. To my amazement I settled for $3,200 plus the damage to my car. I could never have been able to achieve that on my own but the instructions in your book were so clear that I just knew where I could go and how to get there“. David C., Cumberland, Maryland.

“My husband and I got severely rear ended by a semi-truck while sitting at a red light. What we read in your book provided us with a tremendous amount of “inside information”. It saved us (and also earned us) a lot of money.” Jodie F., Los Angeles, California.

“Mr. Baldyga, I don’t know that much about computers, but with the help of my grandson, I was able to download a copy of your book. My case was about to go to trial and my lawyer asked me what I would be satisfied to settle it at. Using your book I did that and the figure I gave him was finally acceptable. It was settled on the court house steps! The information it provided for me was exactly what I needed to know.” Sadie S., Fort Worth, Texas.

“Thank you so much for the information you‘ve provided. Your BASE FORMULA gave me what I needed to understand when it came to evaluating my personal injury claim.” Ron P., Columbia, South Carolina.

Hello Mr. Baldyga: Your book is very very helpful to handle my wife's case. Me and my wife are international student, so I really didn't know what I had to do when my wife had an accident and had nobody whom I can ask for help to. But your book was like bright light in the darkness to us. Thank you again. ilwoong K., Webster, TX

Dear Dan and Diane: Just wanted to let you guys know that by using your Base Formula to figure out the value of my wife's recent car accident we were able to purchase 2 brand new mid sized cars and a home built from the ground up. The amount the insurance company wanted to settle for was far less than what we calculated using your format. So, I pressed the issue and I was able to handle everything without the 3rd party (attorney) whose 33% we were able to put in a retirement account. Your formula really does work. Lorenzo C., San Fransico, CA

I've found the information in the book to be so very useful. I haven't settled my claim yet, as I'm still under a doctor's care, but it helps to know what I should be tracking and to now have a better sense of direction. Anita A., Phoenix, AZ

“In my case your book earned me about $1,400. Based on the information you provided I decided not to go through small claims court. When it came to obtaining every penny I was due I was successful because of you Mr. Baldyga”. George W., Muskego, Washington

“I am so pleased with the information provided in your book. I have just graduated from law school and knew nothing about placing a value on nor settling my claim and I didn’t want to go to one of my collogues. Your book helped me to settle my case for so much more money than I ever suspected possible.” Francine G., Kinder, Louisiana.

“Your well-written book and its suggestions pointed both my son and I in the right direction with our case and we were paid exactly what THE BASE FORMULA said we should be reimbursed.” Philip B. Jr., Cook, Georgia.

“Your book was terrific and so easy to read and understand. It saved me so much grief and provided me with a wealth of knowledge. I settled my claim yesterday and I’ve been dancing around my house like mad ever since. I can’t even begin to tell you how much your book has meant to me.” Gary C., Ft. Lauderdale, Florida.

I have read your book. It is fantastic. Patro S., Chandler, AZ

This may be the best return I have had on my money in a long time. Brent P., Salisbury, N.C.

Thanks for the great book. This is JUST what I needed. You rock. Tom M., Portland, OR

What I have read so far has really armed me with very good information regarding my MVA claim. D. McConnell, Las Vegas, Nevada

Oh, I am so thankful that you are giving me a credit for my second click!! When I got two e-mail confirmations for the book I realized I must have accidentally clicked twice and thought that was just my tough luck. Wow, honesty is still alive and well in America! Thank you for writing such an informative book and again, I appreciate immensely your honesty. C. Earl, Florence, SC

Good Morning, I just read your book and am SO thankful for your advice. You cannot imagine how helpful this was. I had no idea where to start or what to do. Never been in an accident before. M. Kreslins, Cincinnati, Ohio

Bought your book--recommending it to others. E. Duff, Englewood, CO

This book is excellent! Bless you. Marjorie J., Elk, WA

Great book, and it really taught me what I needed to know. Steve, St. Louisville, Ohio

Thanks. Your book is GREAT! And very eye opening. Ralph K., Chalmette, LA

I have found the information in the book to be most valuable and continue to glean information from its pages. I pick it up read awhile and put it down. But the next time I pick it up I find something else and so on and so on. Kathleen C., Stanford, CA

I've read your book and was pleased with the information. My settlement is still pending but what it contained is invaluable. Karl M., Kirkland, WA

Thank you. The book has helped me out tremendously already! I appreciate it very much! Mendy Y., Ada, OK

“I’ve read 60 pages of your book so far but I just had to sit down, send this email and to say it’s been a real eye opener!” Dr. Lynn K., Tuscaloosa, Alabama

“What you wrote provided me with a ton of money I’m positive I would have never been paid.” Matthew L., Nashua, New Hampshire.

What I learned from your book was just what I needed. Your BASE FORMULA has proved to be invaluable.” Mike F., Juneau, Alaska.

“What you’ve written gave me the courage to stand up to the insurance people and I won - - big time!” Franklin T., Black Forest, Colorado.

“Your book was incredibly helpful and we settled for exactly what you said our claim was worth.” Tanya, W., Jackson, Wyoming.

“ I just wanted to let you know that your book was amazing. The insights it provided into the claims process and THE BASE FORMULA was outstanding! I had purchased the book online but with trepidation, but I have now settled my claim and I look at it as the best investment I ever made! I fully attribute my success to the instructions in the book as to how to document everything and how to present my case to the adjuster. THANK YOU SO MUCH FOR PUBLISHING THIS BOOK! !” Lisa G., Gulfport, Mississippi.