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– 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 cures, 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 instances? They don’t want you to ask this question because it shows that you may be trying to get the insurance restraints, and that you’re more savvythan your time median 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 the government has? You’re virtually requesting 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 subject is above their check-writing authority, and if that was the contingency, you’d need a new adjuster earmarked and they want to keep their file. The third questioninsurance claims adjusters don’t like being asked is, what is the settlement reserve? The reservation is an amount of money that an insurance company, an policy adjuster adjusts 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 event 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 tendernes and endure? Insurance companieskeep very specific registers that be demonstrated that much they’ve paid for pain and sufferingfor certain harms. You’re not gonna have access to those, and if you ask theinsurance adjuster how much he’s paid in the pastfor pain and tolerate for your same trauma, he’snot going to tell you, and if he does tell you, rest assured that the list 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 conclusions use a jury finding search reporter. That’s not gonna really give you the exact villages and verdictswith that particular insurance company. It’s gonna give you a ballpark value of the sorenes and agony component of 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 top had a personal injury claimant go to trial and get a verdict in judgmentfor greater than that amount.But there’s gonna be a slim chance that the insurance adjuster tells you which disputes that happened in. Insurance adjusters are not always right with their gives and theirvaluations of your contend. That’s why sometimes at a inquiry they get hit for big extents. The sixth question that a claims adjuster does not want to get asked is, how many times has yoursupervisor apportioned a claimant and paid a claimant for an amount higher than you said your last final give was? If you ask them that question, you’re generally goingto get the responses, “Speaking with my supervisoris not gonna do better now. “You’re gonna hear the same thing.” But there are certaintimes, and it happens often, where the overseer justhas more accommodation expert and he was able to simply 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 superintendent is a very powerful word. The seventh question claims adjusters don’t want you to ask is, what are the bad details for your example? Countless knowledge go into a personal injury case and many things affect the value. Eyewitness are one of them. There’s a chance the insurance company knows about a witness that’shorrible for their security, such as someone who thinksthey’re insured with rush or someone who saw asubstance on the storey a very long time before you slipped and precipitated. Ask the adjuster what arethe worst facts in your action. You’re gonna get a goodidea of how many posters the adjuster is showing you. The eighth question a claims adjuster doesn’t like asked questions is, does your insurance company often increase the offerwhen a lawsuit is filed? They may say no, they maynot be telling you the truth, but the reality is , not inevery speciman but in many cases, when you file a litigation, the speciman gets to convey to a different adjusterwho has more authority to settle your bag, essentially for more money.It goes to a higher level adjuster. Sometimes the funds 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 prosecution, but oftentimes insurance companies, particularly if they haveto pay an outside lawyer and they’re not one ofthe large auto insurers that has their own advocates on staff, will increase an offer afteryou’ve filed the lawsuit.I had a case against avery large supermarket and they rejected liability and action me to file a prosecution for myclient, who was injured when something precipitated 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 litigation and colonized for more fund, but oftentimes insurance companies will not be fair. You’ll file a dispute, and the brand-new adjuster will position 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 make blamed 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 coverage adjuster disavowed liability. We entered a dispute andlater agreed 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 fellowships have aninsured, who is their client. You’ve want to ask them, “What percentage of indifference “are you placing on your insured? ” Sometimes I’ve had cases where the insurance adjuster will tell me.”In this case where ourdriver hitting your ascertained, “we’re position 60% denounce onour patient, and 40% on yours.” So some of them will tell you. Some of them “re saying”, “I’mnot gonna go into that. “That’s privileged information.” But knowing their insurancepercentage of glitch or at least what they’re saying it is helps you understand whythey’re making the render that they’re making, and you can see if what their percentageof defect 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 contingency is worth.Number 10. Insurance adjustershate when you ask them, how much condemn are they assigning to you? Only like list nine, sometimes they will tell you. I have had cases whereI’ve entered a lawsuit and the defense attorney says, “Listen. “We’re placing 25% to50% blame on your buyer “for not seeing somethingthat she jaunted over “that she should haveseen before she tripped.” Sometimes insuranceadjusters “re going to tell me”, “We’re grade 50% denounce on your patient “for crossing the roadin the middle of daytime “when she wasn’t in a crosswalk.” I actually had a caselike that where my buyer fractured her lower leg boneand we reconciled for $70,000, but the insurance adjusterlet me get inside her honcho and she “ve been told”, 50% of theblame they were accepting on their buyer and 50% on my client.As a bonus question, youwant to ask the insurer, if you had health insurancethat paid some of your greenbacks, the health insurance is gonna have a right to recover money from your accommodation 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 proposals. Ask them, if your medicalbills, out-of-pocket medical proposals are 10,000, asking questions, “Are you me for1 00% of my medical bills? ” They may tell you, they may not. I hope you enjoyed this video. Please subscribe to our direct. Please comment. Please like the video. I’m attorney Justin Zieglerin Miami, acting Florida. Have a wonderful day.( hip move music ).