10 Questions to Neglect During Personal Injury Claims
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Fortunately, people are now driving towards availing the services of insurance companies to protect their possessions and life. However, to enjoy every benefit of insurance companies, it is essential to follow a proper protocol and ask your insurance holder every question that might save you money.
Meanwhile, there are several questions which are hated by the insurance companies when asked them while signing the final papers. Always remember a good relationship between both the side is essential to get the best services. Below are the ten questions that insurance claims adjusters don’t want you to ask are:
1- Do Not Try to Get The Insurance Limits
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 savvier than 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.
2- Check-Writing Authority
Another question that bothers claims adjusters and they don’t like being asked is if you ask them, how much check-writing authority 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 think the value of your case is above their check-writing authority, and if that were the case, you’d need a new adjuster assigned, and they want to keep their file.
3- Settlement Reserve
The third question insurance claims adjusters don’t like being asked is, what is the settlement reserve? This type of mistake usually happens while asking for the car and homeowners insurance quotes
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 think your case may be worth.
4- Records of Other Clients
The fourth question that claims adjusters don’t want you to ask is, how much have they paid for the specific injury that you’ve had, in the past for other claimants for their pain and suffering? Insurance companies keep particular files that show how much they’ve paid for pain and suffering for certain injuries.
You’re not going to have access to those and, even if you ask the insurance adjuster how much he’s paid in the past for pain and suffering for 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 going to be much lower than what he’s 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.
5- The Number of Cases
The fifth question that insurance adjusters don’t want you to ask is, “Mr. Adjuster, “how many cases have you made an offer to a claimant “like me, or car and home insurance company ratings and then a jury has awarded “higher than that offer?” Rest assured that there’s not an insurance company 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.
However, there’s going to 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 their valuations of your claim. That’s why sometimes at a trial they get hit for large amounts.
6- How many times has your supervisor awarded a claimant
The sixth question that a claims adjuster does not want to get asked is, 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 them 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.” However, there are certain times, and it often happens, where the supervisor has more settlement authority, and he may 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 the supervisor is a compelling word.
7- 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’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 adjuster what the worst facts in your case are. You’re going to get a good idea of how many cards the adjuster is showing you.
8- Does your insurance company typically increase the offer when a lawsuit is filed?
They may say no, they 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 situation gets transferred to a different adjuster who has more authority to settle your case, primarily for more money. It goes to a higher level of the adjuster.
Sometimes the reserves get increased. That’s the amount of money set aside to pay the claim. It doesn’t always happen. Individual insurance companies stick to their final offer before a lawsuit, but frequently insurance companies, particularly if they have to pay an outside attorney and they’re not one of the large auto insurers that has their attorneys on staff, will increase an offer after you’ve filed the lawsuit.
9- How much is your insured at Fault?
Insurance companies have an insured, who is their client. You’ve wanted 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 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.” However, knowing their insurance percentage of fault or at least what they’re saying it 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.
10- How much blame are they assigning to you?
Just like number nine, sometimes they will tell you. There were cases where the company 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 insurance adjusters 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.”