You probably trust your insurance company. Most people do, until something goes wrong. The truth? Insurance companies will smile on the phone, sound polite in commercials, and then turn around and lowball you, mislead you, or even flat-out deny your claim. At Chaz Roberts Law, we see this happen every single day. And we’re here to tell you the rep calling you isn’t your friend. In fact, they’re trained to save their company money, not to help you.
If you’ve been in a wreck, or know someone who has, pay close attention. You need this info before it’s too late.
The Ugly Truth About Insurance Companies
Let's make this clear: insurance companies are not on your side. They’re wolves in sheep’s clothing—you’re Little Red Riding Hood, and they’re just waiting to pounce. The less they pay you, the more they profit. So, when that adjuster sounds sweet or seems concerned, remember: it’s a tactic to get you to let your guard down, say something you shouldn’t, or accept less than you deserve. These folks are trained, they know exactly what they’re doing, and they play to win.
Every Call Is Recorded (and Can Be Used Against You)
You might not even realize it, but every time you talk to the insurance company, you’re on the record. They always say, “This call is being recorded,” and that’s not just for show. If you say, “I’m okay,” or forget to mention your neck hurts but talk about your back, they’ll use that against you. Months later, they’ll dig up that call and play it back, twisting your own words to minimize or deny your claim. So, be careful and remember: everything you say can and will be used against you.
The First Offer? It’s a Trap
Here’s another thing, if you get a quick settlement offer from the insurance company, run the other way. That $500, $1,000, or even $2,500 they dangle in front of you is nothing compared to what your claim could actually be worth. They want you to sign away your rights with a fast DocuSign and think you scored an easy check. But what are you really agreeing to? Settling for way less than you deserve, maybe even before you know the full extent of your injuries. Never, ever take the first offer before speaking to a lawyer. Your case is probably worth much more.
They Target You at Your Most Vulnerable
The insurance company knows you’re in a tough spot after a crash, you’re hurt, stressed, worried about getting to work, unsure what comes next. That’s when they strike. They’ll call you at lunch, after hours, or whenever you’re least prepared. They know you’re not thinking straight, and they’re banking on you making a rash decision. Don’t let them pressure you into settling fast or giving up vital info.
They Won’t Tell You What You’re Really Owed
You think the insurance company will explain your rights? Think again. It’s not their job to tell you about rental reimbursement, diminished value, lost wages, future medical, or pain and suffering. Their job is to close your case as fast and as cheap as possible. The less you know about your rights, the easier you are to lowball. Don’t gamble with your future—consult a lawyer who can tell you what your case is really worth.
Yes, They’re Watching Your Social Media
Guess what—insurance companies check your Instagram, Facebook, TikTok, all of it. That “congratulations, you have a new follower” moment? You don’t want it to be Jake from State Farm. If you’re posting cruise photos, hanging with friends, or out and about while you’re supposed to be injured, they’ll find it and use it against you, even in front of a jury. The best move? Stay off social media from crash to settlement.
You Have More Power Than You Realize
Here’s what they really don’t want you to know: you have the power. You don’t have to talk to them, and you don’t have to give them statements. You can hire a lawyer to handle all communication and protect you from making costly mistakes. A good personal injury attorney is your filter, your shield, and your best chance at getting the payout you actually deserve.
Don’t Go Into Battle Alone
Now you know what’s really going on behind the scenes. You don’t have to fight this battle alone. If you’ve been in a wreck, or someone you love has, get the facts before you say or sign anything.
At Chaz Roberts Law, we treat every client like family. We fight back against insurance companies—and we make sure you get the help you need. Schedule your free consultation today or call us at (337) 504-3202 for immediate advice.
Protect what’s yours. Don’t let the insurance company push you around.
