10 Questions Insurance Adjusters Don't Want You to Ask

Check out these 10 awesome questions that insurance companies don't want you to ask about personal injury claims.

Seriously Injured IN FLORIDA?

That's the fastest way for me to tell you if I can represent you.

If you prefer, you can call us at 888-594-3577 to see if we can represent you if someone caused your injury in Florida, or on a cruise. You can call us any day of the year.

(Please note: We cannot tell you how much we think your case is worth. Also, we cannot tell you if we think you have a case. We only can say if we're able to represent you. We only handle Florida injury and death cases.)

Chapters in this video:
0:00 Intro
0:18 Insurance limits
0:40 Adjuster’s settlement authority
1:05 What’s the settlement reserve?
1:20 Payments for similar injuries
2:11Has a jury awarded more than your final offer?
2:51 Claims supervisor
3:27 Adjuster’s BAD facts
3:55 Lawsuit Increases offer?
5:40 Percentage of INSURED’s fault
6:30 Blaming YOU
7:19 What % of my bills are you paying me for?

✅ Recommended playlists:

The Secret Strategies to Maximize Settlement Amount

💡 Videos for frequently asked questions:

Justin "JZ" Ziegler represents people hurt in accidents in Florida or on a cruise. Within 2 years after law school, he started his own personal injury law firm and settled hundreds of cases within just a few years. He still runs JZ helps, a Florida injury law firm that is loved by its clients.

The JZ helps Youtube Channel is Justin's way of providing as much value as possible by talking about personal injury claims and settlements in Florida, and giving you information based on a 16 year career recovering money for accident victims hurt in Florida or on a cruise.

JZ has been interviewed on TV, interviewed by CNN and the Wall Street Journal, and quoted by Newspapers/Online News, including The Miami New Times and TBO.com.

JZ has represented people whose accidents received news coverage, including the Miami Herald and much more.

Find JZ helps here:

Attorney Justin "JZ" Ziegler
Office: Miami (Serving All of Florida)

Justin also runs the Youtube PI lawyer's private Discord group, where fellow personal injury lawyers continue to thrive with their Youtube channels. Membership is limited to personal injury lawyers who are actively consistently making quality Youtube videos. Membership is limited to those creators that I approve. If you think you meet the above qualifications, leave a comment on one of my YT vids. In the comment, please say your # of subscribers, the state(s) your licensed in, and whether you're eligible for Youtube monetization.

The content of this YouTube channel is provided for informational purposes only and is not intended to constitute legal advice. You should not rely upon any information contained on this YouTube channel for legal advice. Viewing this YouTube channel is not intended to and shall not create an attorney-client relationship between you and Justin Ziegler or JZ helps (a Florida injury law firm). Messages or other forms of communication that you transmit to this YouTube channel will not create an attorney-client relationship and thus information contained in such communications may not be protected as privileged. Neither Justin Ziegler nor JZ helps (a Florida injury law firm) makes any representation, warranty, or guarantee about the accuracy of the information contained in this YouTube channel or in links to other YouTube channels or websites. This YouTube channel is provided "as is," does not represent that any outcome or result from viewing of this channel. Your use viewing of this YouTube channel is at your own risk. You enjoy this YouTube channel and its contents only for personal, non-commercial purposes. Neither Justin Ziegler, JZ helps (a Florida injury law firm), nor anyone acting on their behalf, will be liable under any circumstances for damages of any kind.

© 2020 Justin Ziegler. All rights reserved.

[RealJustinZiegler]

To hear 11 MISTAKES that DECREASE Your Settlement, watch this video when you're done with this one:

Seriously Injured in Florida?


That's the fastest way for me to tell you if I can represent you.

If you prefer, you can call us at 888-594-3577 to see if we can represent you if someone caused your injury in Florida, or on a cruise. You can call us any day of the year.

(Please note: We cannot tell you how much we think your case is worth during the call. Also, we cannot tell you if we think you have a case. We only can say if we're able to represent you. We only handle Florida serious injury and death cases.)

[thereal]

MY attorney rarely contacts me regarding my case. I fell like I am blindfolded. I have learned so much from you and appreciate sharing your knowledge.
Thank you JZ!!!

[habibi]

They take your money but when you are in trouble they work against you . even if you are not in fault and your car is totaled . they are willing to drive you crazy . they work hard to prove that your accident is a minor so they don't have to settle.

[v-vr-rotatev-vy_vx]

After doing collision repair for 40 years the best insurance company that I've ever dealt with was USAA. They would actually listen to the repair person and help us do our job anymore productive manner which resulted in better repairs for the customer. All the other insurance companies advertising on TV are just nothing but shysters.

[manuelgaetan]

He speaks the truth, I had a car injury decades ago. When I went to pick up my check, I had to sign a log book. OMG I felt like I was being cheated because everyone in that logbook was getting a check over 10 times the amount I got.

[chantiom]

I just accepted My first commercial general liability claim adjuster gig. I start in 13 days. Personally, I’d be pissed if a claimant asked these questions 😂🤣😂. These are really good questions to ask.

[mikebavoso]

I am watching these videos to prepare myself to know what to expect from an auto accident mitigation session. This is one honest down-to-earth attorney... that would not lose your case. I have learned so much and now know what questions to ask so I can evaluate if their settlement is fair.. as he says you're not winning the lottery... it's just fair.
Thank you so much for putting this video on YouTube

[neillpepin]

The reason insurance adjusters don't want you to ask this is because they'll have to refer you to their SIU team and will just extend the time that it takes to close your case. Lawyers like this thou cuz they are charge you more..

[BossSpringsteen]

Thank you a million. This info helped a lot. Your videos showed me something i suspected about one of the doctors in my case and i'm considering getting a second opinion. You also reminded me to include in my claim medical reimbursement to my health care provider.

[lucillemargot]

Another invaluable channel, will definitely explore more videos from you, sir. This will help me plan my parents insurance, thank you!

[dexterjackson]

Great video, after viewing it I felt instantly empowered.

[GlamGirlGabi]

Great video Justin! I’m working with an insurance company right now and this was helpful.

[OrionConstellationHome]

Please make video how to negotiate when your car was stolen? When it was found in terrible conditions, etc… take it home or leave at towing lot? Thank you!

[crystleen]

Question. After a minor accident. Other person 100% at fault. My pain and suffering, I had back and neck pain for a year. (It finally went away on it's own. I tried physical therapy/ Chiropractor none of it helped. I was diagnosed and still have currently, PTSD, anxiety, depression, panic disorder, fibromyalgia exacerbated, sleep disorder, and non epileptic seizures stemming from MVA. I do not know how long in the future I will continue having these issues.

The claims adjuster offered me $5, 000 for pain and suffering.

No attorney will take my case because they said they would have a hard time proving my non epileptic seizures. Which I call foul. But, I think they don't think it's a big $$$ win for them because it was a minor MVA.

I believe $5, 000 is a low ball offer for that I had to go through and continue to go through. It has turned my life upside down. I have felt like a burden to my family.

I am on my own figuring this claim out. And, I know that it is difficult to put an amount on pain and suffering.

Could you help me out figuring a good amount?

Thank you

[mrla]

JZ, first question: If I provide the physician notes for treatment at the urgent
care and physical therapy sessions showing the treatment I received and
diagnosis? What are some things in there that would hurt or strength my claim?
Second question: what's the different in a doctor giving you time off from work vs a chiropractic giving you time off from work?

[WanderingProfligate]

These videos have been extremely helpful. Thanks JZ!

[ooldmage]

Hi there loved the video and the channel in general and as an insurance adjuster that handles Washington I'd figure I would give my response to these questions were I asked. Also I can only speak for the office I work in and the company I work for however most of these questions aren't really a big deal we just can't / won't give you a direct answer for most but it doesn't hurt to ask us. As Mr. Ziegler put in a previous comment, it is not what you ask but how you ask it.

Q1: what are the insurance limits. A: I cannot release that information without my insureds consent however I will call them and ask them if I can release what their policy limits are and get back to you.

Q2: How much check authority do I have. A: I am sorry however I cannot release that information.

Q3: What is the reserve. A: I am sorry however I cannot release that information

Q4: How much have you paid for the same injury A: I am sorry I cannot release that information however there are many other factors that go into payment amount of an injury such as any existing injuries from a previous incident

Q5: How many times has a suit increased the value of an offer. A: I am sorry however I am no trained to handle lawsuits that is the next claims level above me so I can't give you an accurate answer.

Q6: How many times has your supervisor awarded higher offers A: I am sorry however I do not keep track of that if you would like however I can transfer you to their voicemail they will review the claim and call you back before end of business hours today if you would like.

Q7: What are the bad facts for our case: A: simple I will tell them what I breached my insured on.

Q8: Do you increase the offer if I sue A: I am sorry however I am not trained to handle lawsuits if you file a suit the claim will be transferred one level above me and they will review the file and call you within 1 business day.

Q9 and Q10: What is your insureds percentage of fault and what percentage are you putting on me: A: similar to Q7 I will tell them my insureds fault and their fault (if any) and explain how that decision was made

[codynix]

Just got off the phone with my adjuster after a call back. Violated tip #1 on the previous call. He explained his *supervisor* is reviewing my case to make up the discrepancy between the ACV they determined and the amount I know it is. So fingers crossed.

[OFPGOAT]

From an Adjuster's point of view, some of these questions (mainly the latter) are good questions and should be discussed with you automatically. However, some of the questions are some that company/business personal info and some simply just won't have the answer for especially if you're employed with a larger company. Others...simply won't have an affect on your claim b/c the Insurance company is suppose to indemnify (not make a profit) for you paying only what's related and necessary to the claim.

[teresahay]

If your adjuster doesn't have a level of auth the claim isn't transferred, they just request authorization from an admin.