- i'm going to give you 10 questions that insurance adjustersdon't want you to ask in personal injury claimsand other types of claims. watch the entire video so you can see all 10 questions that insurance companies get bothered when you ask them. jz helps, a florida injury law firm. i'm attorney justin ziegler. the first question thatinsurance claims adjusters
don't want you to ask is, what are the insurance limits in the case? they don't want you to ask this question because it shows that you may be trying to get the insurance limits, and that you're more savvythan your just average claimant and smarter than them. if insurance companies can do so, they want to avoid paying out the limits
and pay as little as possible. another question thatbothers claims adjusters and they don't like beingasked is if you ask them, how much check-writingauthority do they have? you're essentially asking them, how much can they write a check for without having to get supervisor approval. they may not want to answer that question because you may thinkthe value of your case
is above their check-writing authority, and if that was the case,you'd need a new adjuster assigned and they want to keep their file. the third questioninsurance claims adjusters don't like being asked is,what is the settlement reserve? the reserve is an amount of money that an insurance company,an insurance adjuster sets aside to pay your case. they don't want to be asked that
because then you have a better idea of how much they thinkyour case may be worth. the fourth question that claims adjusters don't want you to ask is,how much have they paid for the exact injury thatyou've had, in the past for other claimants fortheir pain and suffering? insurance companieskeep very specific files that show how much they've paid for pain and sufferingfor certain injuries.
you're not gonna have access to those, and if you ask theinsurance adjuster how much he's paid in the pastfor pain and suffering for your same injury, he'snot going to tell you, and if he does tell you, rest assured that the number that he gives you is gonna be much lower thanwhat he's actually paid because they rarelylike to show their hand. the best thing that you can do
would be to look up pastsettlements and verdicts using a jury verdict search reporter. that's not gonna really give you the exact settlements and verdictswith that particular insurance company. it's gonna give you a ballpark value of the pain and suffering component of many different types of injuries, which you hopefully usethat to your advantage.
the fifth question thatinsurance adjusters don't want you to ask is, "mr. adjuster, "how many cases have youmade an offer to a claimant "like myself, and then a jury has awarded "higher than that offer?" rest assured that there'snot an insurance company in florida that has hada case where they haven't made an offer and at some point had a personal injury claimant go to trial
and get a verdict in judgmentfor higher than that amount. but there's gonna be a slim chance that the insurance adjuster tells you which cases that happened in. insurance adjusters are not always right with their offers and theirvaluations of your claim. that's why sometimes at a trial they get hit for large amounts. the sixth question that a claims adjuster
does not want to get asked is, how many times has yoursupervisor awarded a claimant and paid a claimant for an amount higher than you said your last final offer was? if you ask them that question, you're generally goingto get the responses, "speaking with my supervisoris not gonna do any good. "you're gonna hear the same thing." but there are certaintimes, and it happens often,
where the supervisor justhas more settlement authority and he may just want toget the file off the desk and closed, and he may award more money. there's never a guaranteeit can happen all the time, but supervisor is a very powerful word. the seventh question claims adjusters what are the bad facts for your case? many facts go into a personal injury case and many things affect the value.
witnesses are one of them. there's a chance the insurance company knows about a witness that'shorrible for their defense, such as someone who thinksthey're insured with speeding or someone who saw asubstance on the floor a long time before you slipped and fell. ask the adjuster what arethe worst facts in your case. you're gonna get a goodidea of how many cards the adjuster is showing you.
the eighth question a claims adjuster doesn't like being asked is,does your insurance company typically increase the offerwhen a lawsuit is filed? they may say no, they maynot be telling you the truth, but the reality is, not inevery case but in many cases, when you file a lawsuit,the case gets transferred to a different adjusterwho has more authority to settle your case,essentially for more money. it goes to a higher level adjuster.
sometimes the reserves get increased. that's the amount of moneyset aside to pay the claim. it doesn't always happen. there are certain insurance companies that stick to their finaloffer before a lawsuit, but oftentimes insurance companies, particularly if they haveto pay an outside attorney and they're not one ofthe large auto insurers that has their own attorneys on staff,
will increase an offer afteryou've filed the lawsuit. i had a case against avery large supermarket and they denied liability and forced me to file a lawsuit for myclient, who was injured when something fell onher, and as soon as i filed the lawsuit, the insuranceadjuster gave me a call and she said, "i don't knowwhat the other adjuster "was thinking," which we hear this often. and she offered $18,000.
now, we continued to litigate that lawsuit and settled for more money, but oftentimes insurance companies will not be fair. you'll file a lawsuit,and the new adjuster will put all the blameon the pre-suit adjuster, saying, "i don't knowwhat they were thinking," or the defense attorneythat's assigned to the case will put blame on the prior adjuster who was handling the case.
so sometimes a lawsuit can be huge. in one case, we represented a gentleman who slipped and fell. the insurance adjuster denied liability. we filed a lawsuit andlater settled for $300,000. so take what insurance adjusters tell you with a grain of salt. the ninth question thatclaims adjusters don't like being asked is, how muchis your insured at fault?
insurance companies have aninsured, who is their client. you've want to ask them,"what percentage of negligence "are you placing on your insured?" sometimes i've had cases where the insurance adjuster will tell me. "in this case where ourdriver hit your insured, "we're placing 60% blame onour client, and 40% on yours." so some of them will tell you. some of them will say, "i'mnot gonna go into that.
"that's privileged information." but knowing their insurancepercentage of fault or at least what they're saying it is helps you understand whythey're making the offer that they're making, and you can see if what their percentageof fault is in line with your evaluation. you need to know if theirinsured is negligent. it's one of the mainfactors when evaluating
how much your case is worth. number 10. insurance adjustershate when you ask them, how much blame are they assigning to you? just like number nine,sometimes they will tell you. i have had cases wherei've filed a lawsuit and the defense attorney says, "listen. "we're placing 25% to50% blame on your client "for not seeing somethingthat she tripped over
"that she should haveseen before she tripped." sometimes insuranceadjusters will tell me, "we're placing 50% blame on your client "for crossing the roadin the middle of daytime "when she wasn't in a crosswalk." i actually had a caselike that where my client fractured her lower leg boneand we settled for $70,000, but the insurance adjusterlet me get inside her head and she told me, 50% of theblame they were accepting
on their client and 50% on my client. as a bonus question, youwant to ask the insurer, if you had health insurancethat paid some of your bills, the health insurance is gonna have a right to recover money from your settlement if you reach a personal injury settlement, or may have a right. you're gonna ask the insurance adjuster, "what percentage of thehealth insurance lien
"are you paying me back for?" see if they're givingyou full reimbursement. the same is true with your medical bills. ask them, if your medicalbills, out-of-pocket medical bills are 10,000, ask them, "are you paying me for100% of my medical bills?" they may tell you, they may not. i hope you enjoyed this video. please subscribe to our channel.
please comment. please like the video. i'm attorney justin zieglerin miami, serving florida. have a wonderful day. (hip hop music)