Insurance Adjuster Secrets - 5 Simple Strategies They Use Against You!

What are the best insurance adjuster secrets can you give me? One of my readers wrote... the answer is not a simple one since there are many different types of strategist out there to get you to settle for less. Since we can be talking about property damages, wage loss, pain and suffering, total loss, rental cars, and many other types of claims, I will give you the most common insurance adjuster secrets and techniques use when negotiating in general. The ones the insurance company taught me when I was working for them.

1. Playing musical chairs - A very common technique. Adjusters love to "change", "reassign" or "exchange" claims among them. Many times the adjuster supervisor steps in and re assigns the claim. This makes you renegotiate settled points. Dealing with new adjusters helps the insurance company isolate different issues. Joe will settle the total loss, Ben will settle fault, and Karen will settle the injury. This way, insurance adjusters can "throw" the ball among them, and they do not have to give you a straight answer. "Well sir, I think the answer is A, but you need to talk to Ben about that and he is out of the office for a week".
2. Changing the shape of the money - "I am very sorry that you had a headache and lower back pain for more than two weeks. That is certainly a shame. We only can give you, at the very most "$2,500" which can pay for a trip to Mexico for two. Why don't you treat yourself and take your wife in a nice Caribbean cruise?" This is very powerful. Adjusters do this every day and this one is only one of their powerful strategies. If the adjuster is settling a younger person, the offer would be $250 for an IPod or a PSP. This "helps" the injured party spend the money in their heads, and makes them want to settle. Remember, you are settling for pain. You want money, not IPods, Cruises, Laptops, or Video games.
3. Time of the day - Adjusters want to call you when it is inconvenient for you. Yeah, they want time to be able to explain their position, but not give you much time to rebut. They probably will hate me for revealing one of the most rude insurance adjuster secrets. They will call you at 7:30 A.M. when you are about to go to work. They want to put pressure on you so you settle right there and then. It "helps" you think "I am done dealing with this people. I just settle and move on with my life". You can turn this one around. Call the adjuster just before their lunch hour or before they leave for a three day weekend. They want to get out of the office and go home; you can get a better offer if the adjuster wants to go see their family.
4. Christmas is a wonderful time for Insurance Companies. Every one seems to be broke right before or after Christmas. Even if you are not a Christian, it just seems that the retail industry is able to sucker all of us into spending more than we have. Consequently, most people are broke right about then. Insurance companies push adjusters (I was one of them) to be more aggressive around this time of the year. They also apply this technique around other holidays. Think about it. You need money for the kids' toys? So Why not give in and settle for $1,000? Adjusters are savvy and this is a great time for them. Where I used to work, December and January were the best times to settle claims. Our success rate increased by 70%. 
5. The Mute Button-one of the most powerful insurance adjuster secrets. I was trained to give an offer and hit the mute button. The rule was that we could not emit a sound after the offer was on the table. This often worked. You were ensuring that you would not make a second offer in the same conversation. If my offer was $10,000 then I wanted to hear a response. I did not want to say $10,000 but if you settle today $11,000. This would be considered bidding against oneself. Insurance adjuster will never (unless the adjuster is not trained correctly) give you two different offers in the same conversation. They will give you an offer and wait to see what you say. Use this against the insurance company. Counter offer and hit the mute button!

All the best,
Hector Quiroga

© Copyright http://www.auto-insurance-claim-advice.com/ All Rights Reserved.
Hector Quiroga has a high interest in helping consumers gain knowledge of the auto insurance claim process for both property damage and bodily injury claims. He covers in great detail what a car accident investigation entails and share many helpful tips for dealing with insurance companies and adjusters. Learn how to protect your interest by visiting Auto Insurance Claim Advice.

Article Source: http://EzineArticles.com/?expert=Hector_Quiroga,_J.D.

Read More

SR-22 Florida Auto Insurance Basic Information

SR-22 is not a type of Florida auto insurance. It is the name of the form used by auto insurance companies to certify compliance for persons required to maintain minimum limits of liability insurance. The SR-22 form is submitted by auto insurance companies to the Florida Bureau of Financial Responsibility for policyholders who are mandated to submit proof of liability insurance.
For most residents the minimum mandatory Florida car insurance, as indicated in the Florida No Fault Law, is $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability. Bodily Injury Liability indicated on an SR-22, in addition to the No Fault Law requirement, is for persons who meet certain criteria. Drivers who fail to provide proof of insurance after an accident, or accumulated too many points on their license, may require an SR22. Drivers with a DUI conviction require Florida FR44 insurance not an SR22.

Minimum Bodily Injury Liability limits to be in compliance with a Florida SR-22 are $10,000 per person and $20,000 per accident. A combined single limit of liability in the amount of $30,000 would also fulfill the SR-22 requirement. As of October 1, 2007 a driver convicted of operating a vehicle under the influence (DUI) will be required to secure higher limits and submit proof via an FR44 filing not an SR22.

The premium for Bodily Injury Liability insurance is the same from your insurance company regardless of an SR-22 filing requirement. The only additional cost to the insured for the SR-22, in Florida, is a $15.00 filing fee. However, drivers who are required to file an SR-22 generally pay more than other drivers for their insurance premium due to the reason for the SR-22, such as, an at fault car accident or a conviction for driving under the influence.

Once mandated by the Bureau of Financial Responsibility to have on file an SR-22, failure to do so may result in your driver license and or vehicle license plate being suspended. Reinstatement of your driver license and or license plate will only occur after certified proof of the required liability insurance in the form of an SR-22 is filed with the Bureau of Financial Responsibility. Reinstatement fees will apply in addition to the $15.00 filing fee. Forms SR-22 and FR-44 are submitted (filed) by the insurance company. The submissions are transmitted electronically and 15 days is the allowable time for the company to file after a policy begins.

Florida SR22 insurance is fast and easy with Florida Auto Plus Insurance. We quote the lowest rates from the best companies. Florida DUI insurance, made easy, is welcomed relief for anyone going through this experience. For additional helpful car insurance facts, quotes and information please visit our Website or call 1-877-WIZ-AUTO (949-2886).

Article Source: http://EzineArticles.com/?expert=Clifford_J_Schimek

Read More

Affordable Auto Insurance in Miami

If you're purchasing car insurance in Miami, you'll need to abide by all of the laws of the state of Florida. If you live in Miami or any other part of Florida, you'll be required by law to have auto insurance that's issued in the state, and have this all taken care of by the time you go to the DMV. Florida ranks high in its auto insurance rates, according to one Web site: at eighth in the state, its average combined premium is $1,148.30. Of that amount, $757 is the average liability premium, $280 is the average collision premium, and $111 is the average comprehensive premium.

Florida Minimum Requirements Apply
If you want to purchase the cheapest car insurance possible, then you'll want to stick with Florida's minimum requirements for auto insurance. Miami's premiums can be slightly more expensive than some other cities or rural parts of the state, but most of the requirements should be the same as in the rest of Florida. The minimum coverage for auto insurance Miami is 10/20/10, which means you're required to have a minimum coverage of $10,000 for bodily injury per person, $20,000 total bodily injury liability and $10,000 in property damage when and if a wreck occurs.

Factors Increasing the Auto Accident Risk in Miami
Miami may not be nearly as big as New York City or Chicago, but it's still a busy city and was ranked by a Texas Transportation Institute as the ninth most congested city in the nation. And despite a slumping economy in Florida, Miami is still a desirable city and it's growing. With a population of almost half a million people, it's one of the most urbanized cities in the U.S., following only New York City, Los Angeles and Chicago. The more congestion, the more irritable and impatient the drivers are, and the more accidents that can occur. Plus, the more cars there are, the higher the chance for an accident - even if all the drivers are patient. Another piece of bad news is that cities along the port tend to have a higher rate of auto theft - a reality that will raise your auto insurance. Miami ranks right up there with other port cities. Also in Miami, the number of drivers in town is higher than in many other cities, because it's a prime tourist destination. Tourists don't know the area as well, and those who drive while handling a map makes them even more accident prone.

Keeping Auto Insurance Miami Rates Low

The fact that Miami is high in auto theft doesn't mean that you have to be part of that negative statistic. Even though the premiums will be higher overall than in other parts of the state, hopefully your salary and opportunities will be higher as well. Make sure you lock your doors at all times, and consider purchasing some safety device that would make your car less prone to theft. If you live in the city, then consider trying to walk to work if it's safe. Otherwise try to live as close to work as possible - the less you drive, the less of a risk the insurance company considers you. Plus, the less you drive the lower your chances of getting pulled over or being in an accident. Other ways to reduce your Miami auto insurance include: raising your deductible, taking a driver's ed course, and owning a pre-owned rather than new vehicle. Sit down and talk with your agent about other potential ways to reduce your monthly premium.

Article Source: http://EzineArticles.com/?expert=Robert_McKnight

Read More

Cheap Miami Car Insurance

If you're looking for cheap Miami car insurance, you're definitely not going to want to purchase anymore than what the State of Florida has set as its minimum car insurance requirements.
Currently, Miami, Florida's minimum car insurance requirements are:
Personal Injury Protection (PIP): $10,000
Property Damage Liability (PDL): $10,000
However, Miami, Florida also has what's called bodily injury coverage (BIL). Up to the limits of your policy, BIL is coverage for any serious personal injuries or death you cause other persons due to a car accident that is your fault.
Sometimes, BIL will cover accidents caused by your or other members of your home, despite the car being driven, as well as covering you in the event that someone to whom you have given permission to drive your car has caused an accident.
The average, safe driver usually doesn't need to purchase BIL in Miami, Florida, making your quest for cheap Miami car insurance easier; however, sometimes you are required to purchase BIL if you have been charged with and convicted of certain motor vehicle-related offenses. Many Miami, Florida drivers may also have to purchase BIL coverage because they do not own their car out right. This means they have a lender, financier, or lien holder who has also invested in the car and requires the "owner" to purchase all available car insurance coverage. Always check with everyone involved in the purchase of your car, including the dealership, about your Miami, Florida car insurance requirements.
Regardless of how much insurance you do, or do not, have to purchase, there are always additional ways to get, and keep, cheap Miami car insurance. For example, keeping your driving record clean by avoiding traffic violations and accidents helps, as does adding safety features to your car. Plus, making regular, on-time insurance payments will prevent your car insurance policy from being cancelled, which always looks good should you choose to switch car insurance companies.

Article Source: http://EzineArticles.com/?expert=Elizabeth_Newberry

Read More

Your Personal Injury Insurance Claim: Several Crucial Insights Into Medical Reimbursements

The best judge of Total Disability and/or Partial Disability is "Ole" Doc Comfort your attending physician. The Medical Report he executes for the insurance company you're battling with, Rock Solid Insurance Corporation, should always contain his comments regarding the nature of your disability. His diagnosis will be crucial to I. M. Smart, the adjuster assigned to handle your claim, because it will detail the duration of your "Pain and Suffering". In addition it will also prove the time you lost from work as being legitimate.
When settlement time arrives, Smart will form a healthy portion of his evaluation based on the documented proof of the length of time of each of the following two elements: "Total" and "Partial" disability - - the both of which will indicate how much they restricted your inability to work and also your social activities.
YOU MUST CONSIDER ALL THE POSSIBLE OPTIONS FOR MEDICAL REIMBURSEMENTS: Be aware that you may be able to collect from your own motor vehicle insurance carrier (via your "Medical
Payments" coverage) plus you may also be able to collect from your own health insurance policy or plan.
Yes, Rock Solid Insurance, in a clear case of liability (and as part of its settlement with you) will pay your medical bills. BUT HOW ABOUT YOUR OWN MOTOR VEHICLE POLICY'S MEDICAL PAYMENTS COVERAGE? You must read your motor vehicle accident policy carefully. It may provide you with coverage up to certain limits (one or two thousand dollars - - some a lot higher) for all the medical bills you had as a result of the accident - - regardless of who was at fault!
"Med Pay" is a separate part of your policy, which you pay extra for, but it's definitely worth it. Since you're shelling out money for this extra coverage you should consider taking advantage of what it offers.
The following people are usually covered under the Med-Pay provisions: You or any relative who lives with you (when driving or riding in your vehicle) plus anybody else who is driving with your permission (and also their invited "guests") who happen to be riding along with them in your car.
It may state in your policy that your insurance company has a right to recover the amount of the Medical Payments made to you should you (later-on-down-that-often-very-loooong-rocky-road) get paid for your loss by Rock Solid. But, even if you don't, you'll still be paid for your medical bills under the Medical Payments (Med-Pay) Coverage of your motor vehicle insurance policy without having to pay your insurance company back.
It's usually a practical move, to elect to file a claim with your own auto insurance company (under the Med-Pay Coverage) so you can be confident all your medical bills are paid in time. Otherwise, your medical providers may get upset because they'll have to wait far too long to be paid (somewhere down the line - - perhaps a year - - sometimes much longer) until you finally settle for your loss with The Rock Solid Insurance Corporation.
***** ***** ***** *****
YOUR OWN HEALTH INSURANCE POLICY/PLAN: There's another possible medical bill coverage for your accident - - and that's your Health Insurance policy or whatever Health Plan you may be under. If the Med-Pay provisions of your motor vehicle policy state that they must be paid back, should you collect from Rock Solid, you may find it more advantageous to file a claim under your Health Insurance policy or some other Health Plan. HOWEVER: You should check the wording in those policies very closely because they may NOT require you to pay them back for the medical payments they've made on your behalf - - even if you collect for your loss from The Rock Solid Insurance Corporation !
There's nothing wrong or immoral about collecting money from more than one source for the same medical bills. Think of it like a Life Insurance Policy. If an individual is paying premiums for three $10.000 Life Insurance Policies and they pass away, is the love-of-their-life (as the named beneficiary) entitled to $10,000 or $30,000? Indeed, because the premiums were paid on all three, that individual is entitled to a payment of $10,000 times three, or $30,000.
By the way, if Adjuster Smart happens to ask you if you have any such options, don't tell him. Whatever other insurance coverage's you have is your own business! It has absolutely nothing to do with the value of your claim, how much money you should be paid for your "Pain and Suffering", nor any other portion of your loss.
NEVER FORGET: You've already paid for these types of coverage and you're entitled to be paid under all your options for reimbursements - - even if that means you're paid by multiple sources for the same bills !
***** ***** ***** *****
DISCLAIMER: The only purpose of this article ~ YOUR PERSONAL INJURY INSURANCE CLAIM ~ SEVERAL CRUCIAL SOME "INSIGHTS" INTO MEDICAL REIMBURSEMENTS is to help people understand the motor vehicle accident claim process. Dan Baldyga makes no guarantee of any kind whatsoever; NOR does he purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Wherever such professional help is desired it is THE INDIVIDUALS RESPONSIBILITY to obtain said services.
Copyright (c) 2005 By Daniel G. Baldyga. All Rights Reserved

Dan Baldyga spent over 3 decades within the area of Insurance Claims, as an Adjuster, Supervisor, and then Manager. He was then promoted to Trial Assistant where he worked another 5 years on thousands of Insurance Claim cases. He has had 3 "How To" Insurance Claim books published, the latest being AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM. (How To Evaluate And Settle Your LOss).(EZINE ARTICLES = If you want one of these MUCH LONGER with much more depth please advise and I'll send it to you. Thanks.
Dan Baldyga’s third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or [http://www.caraccidentclaims.com]. This book explains, in simple language, “How To” handle your motor vehicle property damage and/or personal injury claim so you won’t be taken advantage of. It also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will explain how to determine the value of the “Pain and Suffering” you endured - - because of your motor vehicle accident injury!

Article Source: http://EzineArticles.com/?expert=Daniel_Baldyga

Article Source: http://EzineArticles.com/10887

Read More