10 questions are the nightmares of car insurance companies. The car insurance companies will not answer them

Car insurance companies

I'm going to give you 10 questions
that insurance adjusters don't want you to ask in personal injury claims
and other types of claims.
Read the entire article so you can knowledge
all 10 questions that car insurance companies
get bothered when you ask them.
JZ helps, a Florida injury law firm.
I'm Attorney Justin Ziegler.

The first question:-
What are the insurance limits in the case?

Car insurance companies don't want you to ask this question
because it shows that you may be
trying to get the insurance limit,
and that you're more savvy
than your just average claimant
and smarter than them.
If Car insurance companies can do so, they want to avoid paying out the limits and pay as little as possible.

second question that:-
how much check-writing
authority do they have?

You're essentially asking Car insurance companies,
how much can they write a check for without having to get supervisor approval. Car insurance companies may not want to answer that question because you may think the 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 question:-
what is the settlement reserve?

The reserve is an amount of money
that an Car insurance companies,
an Car insurance companies
sets aside to pay your case. They don't want to be asked thatbecause then you have a better idea of how much they think your case may be worth.

The fourth question:-
how much have they paid for the exact injury that you've had, in the past for other claimants for
their pain and suffering?

Car insurance companies keep very specific files that show how much they've paid for pain and suffering for certain injuries.
You're not gonna have access to those, and if you ask the Car insurance companies how much
he's paid in the past for pain and suffering or your same injury, he's
not going to tell you, and if he does tell you, rest assured that the number that he gives you is gonna be much lower than what he's actually paid because they rarely
like to show their hand.
The best thing that you can do would be to look up past settlements and verdicts
using a jury verdict search reporter.
That's not gonna really give you the exact settlements and verdicts with that particular Car insurance companies .
It's gonna give you a ballpark value
of the pain and suffering component of many different types of injuries, which you hopefully use
that to your advantage.

The fifth question:-
"how many cases have you made an offer to a claimant
"like myself, and then a jury has awarded
"higher than that offer?"

Rest assured that there's not an Car insurance companies in Florida that has had a 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 judgment for higher than that amount.
But there's gonna be a slim chance
that the Car insurance companies tells you which cases that happened in.
Car insurance companies are not always right with their offers and their valuations of your claim.
That's why sometimes at a trial
they get hit for large amounts.

The sixth question:-
how many times has your supervisor awarded a claimant and paid a claimant for an amount higher than you said your last final offer was?

If you ask Car insurance companies that question, you're generally going to get the responses,
"Speaking with my supervisor
is not gonna do any good.
"You're gonna hear the same thing."
But there are certain times, and it happens often, where the supervisor just has more settlement authority and he may just want to
get the file off the desk and closed, and he may award more money.
There's never a guarantee it can happen all the time, but supervisor is a very powerful word.

The seventh question:-
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 Car insurance companies. There's a chance the Car insurance companies
knows about a witness that's horrible for their defense, such as someone who thinks they're insured with speeding or someone who saw a substance on the floor
a long time before you slipped and fell.
Ask the Car insurance companies what are the worst facts in your case. You're gonna get a good idea of how many cards
the adjuster is showing you.

The eighth question:-
does your insurance company
typically increase the offer
when a lawsuit is filed?

They may say no, Car insurance companies may not be telling you the truth, but the reality is, not in
every case but in many cases, when you file a lawsuit, the case gets transferred to a different Car insurance companies who has more authority to settle your case,
essentially for more money.
It goes to a higher level Car insurance companies.
Sometimes the reserves get increased. That's the amount of money set aside to pay the claim.
It doesn't always happen.
There are certain Car insurance companies that stick to their final
offer before a lawsuit, but oftentimes Car insurance companies particularly if they have
to pay an outside attorney and they're not one of the large auto insurers that has their own attorneys on staff, will increase an offer after you've filed the lawsuit.

I had a case against a very large supermarket and they denied liability and forced me to file a lawsuit for myclient, who was injured when something fell on
her, and as soon as I filed the lawsuit, the Car insurance companies gave me a call and she said, "I don't know what the other Car insurance companies
"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 Car insurance companies will not be fair. You'll file a lawsuit, and the new Car insurance companies will put all the blame on the pre-suit Car insurance companies, saying, "I don't knowwhat they were thinking," or the defense attorney
that'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 and
later settled for $300,000.
So take what insurance adjusters tell you with a grain of salt.

The ninth question:-
how much is your insured at fault?

Car insurance companies have an
insured, 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 Car insurance companies will tell me.
"In this case where our driver hit your insured, "we're placing 60% blame on our client, and 40% on yours." So some of them will tell you. Some of them will say, "I'm
not gonna go into that.
"That's privileged information."
But knowing their insurance
percentage of fault or at least what they're saying it is helps you understand why they're making the offer that they're making, and you can see if what their percentage
of fault is in line with your evaluation. You need to know if their insured is negligent.
It's one of the main factors when evaluating how much your case is worth.

Number 10:-
how much blame are they  assigning to you?

Just like number nine, sometimes they will tell you. I have had cases where I've filed a lawsuit
and the defense attorney says, "Listen. "We're placing 25% to 50% blame on your client "for not seeing something that she tripped over
"that she should have seen before she tripped." Sometimes Car insurance companies will tell me,
"We're placing 50% blame on your client "for crossing the road
in the middle of daytime
"when she wasn't in a crosswalk."
I actually had a case like that where my client fractured her lower leg bone and we settled for $70,000,
but the Car insurance companies
let me get inside her head and she told me, 50% of the blame they were accepting on their client and 50% on my client.

As a bonus question, you want to ask the insurer, if you had health insurance that 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 Car insurance companies,
"What percentage of the health insurance

"are you paying me back for?"
See if they're giving you full reimbursement. The same is true with your medical bills. Ask them, if your medical bills, out-of-pocket
medical bills are 10,000, ask them,
"Are you paying me for 100% of my medical bills?"
They may tell you, they may not.

10 questions are the nightmares of car insurance companies. The car insurance companies will not answer them 10 questions are the nightmares of car insurance companies. The car insurance companies will not answer them Reviewed by A&m on December 25, 2019 Rating: 5
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