10 Great 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.

You’ll also hear about some insurance company tricks that they use to pay you less money.

This video applies to car crash accidents, truck wrecks, motorcycle crashes, Uber and Lyft accidents, pedestrian and bike accidents, slip and falls and much more.

As a personal injury lawyer, I’ve used these tips to help me recover over $8 million in settlements.

These questions can be used against State Farm, GEICO, Progressive, USAA, Travelers, Allstate, Infinity, Liberty Mutual, Allstate and many other insurance companies and adjusters.

Much of this video also applies to accidents on a cruise ship.

0:00 Intro
0:18 #1: What are the available bodily injury insurance limits?
0:40 Question #2: What is your settlement authority?
1:05 Question #3: What is the settlement reserve?
1:20 #4 How much have you paid for my exact same injury in other cases?
2:11 #5 How many times has a jury awarded more than your final offer to the injured person?
2:51 #6 How many times has your supervisor settled for an amount above your final offer?
3:27 Question #7 – What are the bad facts for your case?
3:55 #8 – Do you increase your offer after a lawsuit?
5:40 Question #9 – How much is your insured at fault?
6:30 #10 – How much blame are you putting on me?
7:19 Bonus Question – What % of the health insurance lien are you paying me for?

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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.

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

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.

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31 thoughts on “10 Great Questions Insurance Adjusters Don't Want You to Ask”

  1. Watch this video on 9 MORE questions insurance adjusters hate (in personal injury claims) in 2021: https://youtu.be/yHk_hyTS7aw

    Do you think that it's a good idea to ask the adjuster these questions? What do you think is the best question to ask?

    Let me know in the comments section below.

    Click this link to subscribe to my channel and turn on the notification bell so you don't miss future videos: https://www.youtube.com/channel/UCONiciXidKhEGwIB9fDXj4g?sub_confirmation=1

  2. Hi JZ; I sustained a TBI in 2007 while working for Sheriff Department; I was rated 78% permanent disabled in 2009; I'm currently receiving a monthly allowance of $590 due to my injury with lifetime medical. The insurance is not mandated to due a buy-out; but I'm relocating overseas with my family and will likely not return to the U.S. What are the chances of getting a buy-out from the insurance? Any recommendation?

  3. Should a claims adjuster ignore me and I don't have a lawyer, I would take it up with the insured. Let them know how their insurer is mishandling the claim and want them to get publicly
    named in a law suit.

  4. Please answer if you have time! Rather urgent: If hypothetically a car swerved to dodge a large piece of debris on the highway at night and this lead to spinning out and wrecking the car in a ditch, is there anyway to have comprehensive insurance cover the damage to the car? (The person in this hypothetical does not have collision insurance, only comprehensive)

  5. I have a case about 3 years ago and its my first time getting a insurance offer my lawyer thinks I should take it stating that herniated disk aren't a serious injury and until this day im not the same I still get pain worried for future difficulties . my question is should I decline this unacceptable lowball offer or would I be risking myself because is been 3 yrs and it will take longer?

  6. 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.

  7. I’m an adjuster I don’t care if you ask this stuff lol, if the carrier says it’s ok ITS OK it’s what the policy allows for. I’m confused lol

  8. I took my car to an autoshop. That auto shop got set on fire by someone. I had to personally call the guys insurance because I only pay for liability or so I was told by my insurance company. I get ahold of the person I'm supposed to get answers back from 1-2 weeks later. That person tells me that they were going to deny the coverage to my car because the fire was due to arson. Me being young and inexperienced said 'OK I'll see what I can do". My neighbor tells me that they are messing with me. I have now been without a car over a month now. IS THERE ANYTHING I CAN DO?

  9. I love videos from strip mall attorneys throwing out some of the dumbest advice I've ever heard. "Ask the adjuster the 14 top reasons why he won't give you the money you're after."

  10. Of course they aren’t going to tell you how much they paid out for another person’s claim. That’s like asking a doctor “how much did you charge to cure another patient that has the same disease as me?” Lol wow.

  11. “How much check money authority do you have?” That’s a stupid question. Sounds like your just looking for money .

  12. I feel liked I'm getting f'd …. Somebody t-boned me while he was coming off the interstate. I got in another accident a week later where a punk kid ran a stop sign and hit me again. I got hold of no adjusters no matter how many messages I left no one called me back. Then all of a sudden I received 2 checks 8n the mail. One for the lowest offer I ever saw and the other is $1000 bucks off. My lawyer said I don't have to accept them because if I cash them my case would be over. What can I do?

  13. So I have a question I’m having a trouble with my insurance and even tho my insurance was reinstated no one got hert I was in the car I just hit a pole that was hidden against the wall I told them I did it which was true my insurance was instated 5/1 the accident happened after 5/9 they keep asking me to check if it really happened no one has really I checked I’m insured I sent videos pictures I provided witness what should I do? I’m super stressed

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