10 Great Questions Insurance Adjusters Don't Want You To Ask
Vložit
- čas přidán 28. 06. 2024
- Download a copy of our FREE Guide ‘How To Get The Best Value Out Of Your Accident Claim’:
dbuckley.clickfunnels.com/buc...
Get A Free Case Evaluation By Calling (603) 595-8801
Or Visit Me On The Web At:
www.buckleylawoffices.com/
Office Address:
Buckley Law Offices
30 Temple Street, Suite 210
Nashua, NH 03060
info@buckleylawoffices.com
exact situation just happened to me… left the gym sitting at a red light and got rear ended… thank you.
I'll tell you what insurance companies hate. Me pressing a $95 uninsured motorist claim. The adjustor said "It's a commercial vehicle. It has insurance." After a blank lookup from the DOT and no response from the sheriff, I said "prove it."
The truck had no insurance.
Especially in todays times...company or not, lots of them don't pay their bills
Thank you for this video Sir! You just gave me an idea how to deal with my adjuster when they call me 3 days from now.
Not been an adjuster myself but have worked in a kind of similar role. I always had many "clients" I was working and negotiating with at any one time and typically had a kind of ball-park target that was worked out by a pretty complex calculation based on many factors of the many cases. It was common to gauge each client in order to try to fit the target to them all in a kind of blanket. In doing this, if a client came off as "above average" in their level of knowledge, nuisance and negotiation skill, I would typically move them more to the center of the distribution curve, whereas less savvy clients were moved towards the edges. The purpose of this was to try to get a low-ball figure that was most likely to be accepted (or minimally negotiated) early on. The real cost of such things is not necessarily the final payout, it's the time and effort that goes into arriving at that payout, the shorter time that takes, the better. By asking these questions, you establish yourself as someone that will be immediately placed at the higher end of the distribution and as someone they'll want to deal with quickly.
My car was totalled out this month and i did not have the information to negotiate. They worked with me on the email and sent the money directly. I have not agreed totally. Is there a way i can still say them that my car is worth more ? I signed the title and sent in email.
So helpful!! Thank you. Sharing now
Thank you so much very informative
Solid advice, thank you.
I have just watched 2 of your videos on this topic and all I want to say is, thank you!
Happy to help! The more you know, the more you know!
@@BuckleyLawOffices - *Very informative!*
Also ask " How long did you sell used cars before you became an insurance adjuster?" But in a nice way so as to not piss them off as was mentioned in the video.
My worst wreck had a major settlement issue, 3of the ,5 cars involved (including the at fault driver, myself and one other) had the same insurance company .
Can you do this video on homeowners claims? Specifically water damage mitigation.
Thank you Sir really appreciate it
Great advise.
great questions!
Thank you
The intro 🤣
Great information!
THANKS!!
This guy is so awesome. 🥰
Thanks a lot powerful
thanks!
Great video
Why are insurance adjusters devoid of personality would be my first one
Awesome.
Thank you for sharing this information. I hope this will help me when the adjuster my own car insurance company calls and emails me with their offer because she had no insurance and my own insurance company consider my car to be a total loss this has been a horrible experience overall and can't believe I'm going to lose my car total loss after I had full coverage insurance with this company I feel like they're just using that total loss to their benefit I've been a nervous wreck I'm struggling to get to work it's been a horror story so I hope I can get a fair value amount
Briefly 👍your 10 great questions helped me get $2000 more than the initial offer for my total loss car. Thank you very much for sharing this video
@@sherrisentieri3123 that's awesome!!! Congrats🎉 I'm in the middle of my settlement negotiations and doing what I can to prepare my counter offer. So any advice I'll take lol
@@taniam.4554 lmaoo me to dey better pay me what I lost due to that dumb mf driver almost killed me man
Write down all expenses. Add them up, plus add your valuable time and trouble to get to solve these issues that were not tour foult.
I received a notice from the dmv that my address was requested and released pursuant to vehicle code section 1808.22. After a google search it says hit and run. But I never hit a car, what can I do.
I was rear ended and my own insurance is saying that I am at fault without checking my vehicle and without the other insurance taking an statement from me. I am disable and only have this vehicle to go to my doctor’s appointments. I have called the other party’s insurance and they do not answer my calls. I do not know what to do next.
how much can i get in car accident injury, 4 front tooth injury, nasal bone fracture, lip laceration and some bruises on my body?
So if your vehicle is totaled, why can't you just tell the insurance company to find another vehicle of equal value and condition? They are supposed to make a person whole, right?
Auto Insurance/accident laws may differ from state to state. Do your due diligence for your state/before you chose an attorney to help you with your claim.
Keep up your work!
is it possible for something electronic to be struck by a lightning surge and then not work but still have power?? specifically an electronic entrance gate. It was working, lightning struck and then it didnt. Ins adjuster sent a tech out and he told my husband “well, there is power going to it”. What does that mean?? He will tell my insurance company that it was not damaged by lightning??
The insurance company will first send out a junior adjuster to,”Swoop and settle.” Low ball offer with pretense of being your best offer. It’s amusing to see how they deflect questions as to additional costs and medical bills not yet tendered. They will throw in a time pressure and tell you their boss already said the deal they are offering is too generous but they’re doing you a favor. This initial offering may not actually cover your direct costs. Be nice but show them the door. Then go find a law firm that handles these case, hopefully without a mega ad budget and flashy billboards. You’ll find that their fee is regulated by the state hand in hand with the bar association. It’s just the way it is. You can ask for a lower fee schedule but you won’t get it. What you will get is a much higher payout to you offer when they send their first demand letter. The second demand letter will get closer to the policy limits. The best offer comes when the suit is actually filed. The law firm’s fees go up with the court appearance so listen to them when they give an assessment of your chances in court and attendant expenses.
Also get a briefing on the realistic chances of recovery. If the offender is underinsured, there is rarely a way forward beyond the policy limits. Uninsured motorist coverage can be vital in pursuit of pain and suffering claims in some states and in some places, the injury must be permanent to warrant an award.
While the bottom line in the video is don’t piss off the adjuster, I’d say, be polite and don’t deal with the adjuster in the first place. The insurance company wants a settlement and the case off their books in a fairly short period of time. They will pay an extra margin to do just that.
Hi Dave,
My car was parked & hit an accident, a drunk driver hit it. It's been almost a year in July since he hit the car Totaled it out. My car hit the car in front of me and the car in front of me hit another car.
I wasn't injured in the accident. Cause I wasn't in there. This accident happened at 2:30 in the morning. I've been having problems collecting from the insurance. Because 2 other cars Involved One of the persons that car was involved says they're having a hard time collecting from them as well.
A friend told me to take it to civil court. But I do not know how to fill out these papers. Is there any possible way that you can guide me or direct me how to do it? Thank you so much. Have a blessed day.
Questions:
1. Is it worth filing a bad faith claim ( law suit) against an adjustor/ insurance company for an extra $7000 on a vehicle?
2. I'm in PA which is a limited tort state. I've had some injuries to my head & neck and need PT for 4 to 6 weeks; concussion, mild to severe brain trauma, favet jount & disk damage ( lost my ability to formulas words the first day and had left side jerking), neck pain, now frequently loss of memory.
I have two adjustors; a medical and a auto if I accept a check from the auto adjustor ( which I doubt we'll ever reach an agreement) does that mean I'm also settling on the medical ?
3. Can I file a bad faith claim on my own against an auto adjustor and would i have a chance or would their attorney run me over?
You seem to have significant personal injuries and property damage. It sounds like you are trying to handle both claims yourself which I STRONGLY suggest that you not do. I work with a network of attorney's across the country and I personally know several in PA. Would you like me to provide you with some local attorney contact information?
New subscriber here, thanks for the content. Quick question, minor fender-bender in Michigan, $900+ adjuster estimate & would take 1 week to repair, can I ask for car rental from at-fault driver insured in Illinois? Insured here in no-fault state of Michigan with $1,000 deductible & no car rental insurance.
Yes. Absolutely.
Just to clarify, does Mini Tort Law apply even if the at-fault is insured from an at-fault state i.e. Illinois?
I was involved in a car accident in May 31 at a gas station where a tow truck driver dropped a car at a pump didnt put the brake and it was slowly rolling back , he tried to hurry up and go around (with his fork still out ) but he didnt have enough room so he reversed and didnt look back when i was already there , after he crashed me fender he jumps out to stop the car rolling back as it was about to hit the back side of my car as well
Insurance adjuster also stated that he wasnt on the policy but hes a tow truck driver driving daily ?
Still havent gotten a offer and adjuster states it still in ongoing investigation on whos at fault …. Please Help 🙏🏼
The tow truck company is responsible, even if their insurance company denies the claim. Assuming the damage is less than $10,000, file a small claims suit against the tow truck company.
If we were not injured in accident, can we still get compensated for filing a non injury claim? I did so many years ago and was giving $500 by other insurance company, is there a term for this ? Thank you
Dealing with that now
Help! Im so stressed out.
Does an apraiser have to physically look at your car to totally it out or can he do this by photographs ?
The auto adjustor I'm dealing with from Liberty Mutual told me she was going to have my car picked up from my house and taken to a " stagging area" . I questioned this and asked several times for her to have the appraiser come to my house by she ignored me, I found out later she had it towed to a major online Auction house by the name of Copart.
After her lowballing me twice and lowering hwr first offer and weeks of stalling ( emailing late fridays after all week of silence) I called the Auction house and asked if they keep a log book and was told yes, anyone who looks at my car has to sign it and was told no body had come out to access / appraiser my vehicle.
Did you get this taken care of??
Does the ins company have to pay me for repairs made to my car prior to the accident? I spent $1,500.00 a couple of months before my car was totalled.
If you have receipts they will
I asked them about a rental but they said they can only do three days.
You may be able to ask for more days if it is reasonable under the circumstances, such as a delay in repair or discovery of additional damage. But they will not allow a rental indefinitely.
for 25/50 with 3 occupants is that $75k + $50 = $125k or is $50k the max per accident regardless of how many people?
$50,000 split 3 ways not to exceed $50,000 and not to exceed $25,000 per person, so ideally, $16,666.66 divided between three people.
You should do a meme review.
Hello omg I got hit the insurance give me hard time they told that they only pay for 3 days for rental car and the rest need to come out from my pocket then later on the would inverse me back the money for the last three weeks I Been in a rental car. A car hit me was not my fault ..
If you are going through your own insurance company, I am seeing more instances of them making you pay for it up front and then submitting the receipts for reimbursement. HOWEVER...you should be getting a rental from the other insurance company not your own. They have to provide you a rental at their own expense. They can't make you pay for it up front.
What about diminished value ?
Diminished value (DV) can be a factor. It depends on how much it cost to repair a vehicle though for DV to be part of the conversation. Generally speaking, damages of less than $10,000 won't get added value on a DV claim. $10,000 and up will be a reason to make the claim.
I have a Tesla model 3 repair $6,200 independent appraiser told me $4,200@@davidbuckley5100
U can collect if it the other person fault
NOT TRUE MY INSURANCE COMPANY PISED ME OFF BY TELLING ME TO NOT CALL THEM CALL THE OTHER INSURANCE COMPANY AND TO FIGURE OUT HOW GET MY CAR TOWED, I PAY THEY FOR TOWING, THE AJUSTER PISSED ME OFF IN HIS FIRST SENTENCE, ALREADY HAD MY CAR TOTTALED BEFORE POLICE REPORT
Question 2 was great.
If you don't have Rental Coverage your policy won't pay it unless, possibly, the other carrier confirms their Insured is at fault. That takes weeks though and you'll be screwed by then. Probably better off going through the at fault drivers Insurance Company immediately and hope for the best. If it's "he said she said" you won't be getting a rental if you don't have it.
Asking about reserves is stupid and has absolutely no benefit and won't be revealed. Trying intimidation tactics like "Policy Knowledge" will be seen through immediately and will annoy your Adjuster.
Asking how long they've been an adjuster is stupid and won't be revealed. Also, that too, will annoy them with no benefit to your claim.
Asking if a manager has "overridden" a previous evaluation is, again, annoying and stupid and will have no tangible benefit to the claims process. This will not be revealed but the answer is yes and it's common. Adjusters and their Managers are peers and work together constantly.
But the best thing said was the last segment "Don't piss off the Adjuster".
Ignore everything else and take that to heart!
F MY INSURANCE COMPANY AND THE ADJUSTER THEY LOVED TAKING MY MONEY FULL COVERAGE NOW WITHOUT LOOKING AT POLICE REPORT OR PHOTO TRYING TO TOTAL IT, OH IT WAS THE OTHER PERSON FAULT
I was pissed when the insurance company said I was 20% at fault just because I was there. I was on my way home from work and their driver cut across right in front of me at the last second and I ended up hitting her broadside.
*The front of your car struck another car and you weren't in control enough to stop it? Be thankfull it's only 20%. (No offense intended) Cheers.*
Does it make a difference if you were at fault ? I was at fault, my car, a 2018 Tesla Model X is irreplaceable and repairable for $31k, says collision company; but, insurance may claim total loss. Insurance company may be a faulty repair part installed during repairs may cause an accident liability lawsuit to my insurance company.
I need it repaired because I have an irreplaceable feature, free supercharging for life. Over 20 years and fact I use car for biz that requires a lot of driving it is irreplaceable. Does any of this matter in 2024 ? How do I document this free unlimited supercharging for charging for life value and negotiate repairs over total loss ?
My agent says they only use a vin number and what the that vin number says the car is worth and nothing else.
I also don’t know if I have an arbitration clause. How do I get a copy of the complete contract I am bound under, is it the declaration page or other ?
Also where can I find a lawyer who is good at contract law and take the case ? Nobody was hurt and so no big medical claim payout just a couple thousand for contract review, letters and negotiate to get my car repaired not totaled !
Any help or advice greatly appreciated.
I will come back and let you know what happens
Please do!
ALWAYS a Karen, messing things up
Crap, I shouldn't have called the adjuster a BTCH.
Just went NADA. THE SITE BLOWS.
ALL THE SALES AND MARKETING FOR ADS.
WTF.
JUST DO WHAT YOUR SUPPOSED TO DO.
GIVE ME A VALUE ON MY VEHICLE.
STOP ALL THE COMMERCIALS
how much can i get in car accident injury, 4 front tooth injury, nasal bone fracture, lip laceration and some bruises on my body?
Oooff, that’s a bad day, @nashweekly. A lot of things need to be sorted out to answer that question. Was the other person 100% at fault or did your actions play a part in the crash. Does the other driver have insurance? Do you have insurance? Have you been getting regular and consistent medical treatment and following the recommended medical treatment. At the end of the day, you can only get as much as there is by way of insurance coverage, also known as policy limits. Whether you have a policy limits case depends on the factors mentioned above. What state did this happen in and when?
@@davidbuckley5100 yes he is totally at fault in the accident. he have insurance and the insurance wanted to talk to me about the settlement, i dont idea how much my settlement is,