How Insurance Companies Work AGAINST You After a Car Wreck

Trust shattered is the hardest kind to rebuild—especially when it comes from the very companies promising to protect you when disaster strikes. That friendly insurance rep calling after your accident? They're actually working against you, trained to extract statements that minimize your claim and maximize company profits.

Behind the heartwarming commercials and catchy jingles lies a stark reality: insurance companies operate on a business model where every dollar they don't pay you becomes profit. They're not the neighborhood friend portrayed in advertisements but rather the wolf in grandma's clothing, waiting to take advantage of your vulnerable post-accident state. Those recorded phone calls aren't just for "quality assurance"—they're potential evidence against you. A casual "I'm okay" or forgetting to mention a specific injury can dramatically impact your claim's value.

That quick settlement offer might seem like a blessing when medical bills are piling up, but it's one of the oldest tricks in the adjuster's handbook. They dangle just enough money to seem helpful while knowing your claim is likely worth far more. They won't educate you about diminished vehicle value, future medical needs, or pain and suffering compensation because that knowledge would cost them. Meanwhile, they're scrutinizing your social media, looking for that vacation photo or family gathering that could suggest you're not as injured as claimed.

The power shift happens when you understand you don't have to play by their rules. You don't need to speak with them directly or provide recorded statements without representation. A qualified attorney creates a protective barrier between you and these predatory tactics, fighting for the full compensation you deserve. If you've been in an accident, subscribe now to learn more about protecting your rights before making decisions that could cost you thousands. Remember: what you say—or don't say—after an accident could make or break your case.

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This show is co-produced by Carter Simoneaux of AcadianaCasts Network, Chaz H. Roberts of Chaz Roberts Law and Kayli Guidry Bonin of Beau The Agency, and Laith Alferahin.

Chapters

• 0:00 Insurance Companies Are Not Your Friends
• 1:08 Your Recorded Words Can Hurt You
• 1:56 Beware of Lowball Settlement Offers
• 2:51 They Exploit Your Vulnerability
• 4:05 They Monitor Your Social Media
• 4:45 You Have More Power Than You Think

Transcript

Speaker 0: 0:00

You probably trust your insurance company. Most people trust their insurance companies until they find out that they've been lied to, misled, misrepresented, low-balled or outright denied the help they desperately needed. But what if I told you that the insurance rep that's calling you isn't your friend? He's actually your enemy and he's trying to screw you over. I'm Chaz Roberts, and today I'm going to tell you what insurance companies don't want you to know and how you can fight back. If you've been in a wreck or someone you know has been in a wreck, hit the subscribe button. You need this information before it is too late. The first thing you need to know about insurance companies is, despite what they say on commercials, they are not on your side. They are the wolf dressed in grandma's clothing and you are Little Red Riding Hood. The more money they pay you, the less money they make. The less money they pay you, the more money they make. So when they seem sweet and sincere, it's all a tactic. It's a ploy to get you to say things and do things that they want. They're highly trained. They know what they're doing. They're a billion-dollar organization. So go into this knowing that they are not on your side and you will be more powerful, knowing who your enemy is. The next thing that insurance companies don't want you to know is that every single phone call is being recorded. In fact, they actually tell you that this phone call is being recorded. That's not just a formality. They will use that phone call against you. So if you say I'm okay, or they ask you if you're hurt and you're not hurting in that particular time and you say no, I'm not hurt, that will be used against you. They may ask you a question about, like, what body parts are hurting and you forget to mention that your neck is hurting and you only talk about your back. That statement can be used against you later on in litigation if it gets that far. So you need to be mindful that every single thing you tell an insurance company, from start to finish, is being recorded, and what you say can and will be used against you.

Speaker 0: 1:56

Another thing insurance companies won't tell you is their first offer is just a trap. It's a low ball settlement offer. It does not encompass the total value of your case. They're going to throw you $500, $1,000, $1,500, $2,500 quick and you're thinking, wow, this is easy money. There's a reason they're doing that. They want to close their file and they're going to make it easy for you. They'll email you something and you can DocuSign it. Boom, you get a check in the mail. Too good to be true. Well, there's a reason they're doing that. It's because your case is probably a lot bigger than that, and so they want to get you off the hook by paying you some lowball money and settling away all your rights when you might have had a much bigger case. So never accept the early settlement from an insurance company. Always talk to a lawyer before you accept anything, because you might have a much bigger case, you might need future treatment or your existing case could be bigger than you think.

Speaker 0: 2:51

Another thing insurance companies don't want you to know is they know you are vulnerable After a wreck. You're scared, you're in shock, you're worried about your car, you're worried about not being able to get to work, you're hurting, things are in disarray. They know you're vulnerable and they can take advantage of you. So they're going to call you when you're off guard. They may call you at lunch, they may call you after hours, they may call you when you least expect it. They're going to call you when you're vulnerable because you're not thinking clearly and you're going to make rash decisions like settling your case away, like I just talked about.

Speaker 0: 3:23

They will not tell you what your claim is actually worth. It is not their job to educate you. Remember, they are the enemy. They want to lowball you. So they're not going to tell you that you deserve to have a rental, that you have a diminished value claim for what your car is now worth after being in a wreck. They will not tell you that you deserve future medical treatment and lost wages and future lost wages and emotional distress and pain and suffering. They are not going to tell you those things. So you should always talk to a lawyer, because you got to remember. They want to pay you the least amount possible, so why would your enemy arm you with information that could be used against them?

Speaker 0: 4:05

They will not tell you that they track your social media. So, congratulations, you got a new follower. It's Jake from State Farm. You don't want that follower. Trust me, you could be on a cruise with your boo. You could be in the Bahamas with your boys. You look like you're living your best life. They're gonna grab those pictures and videos and use that against you. One day they could show a jury. Hey, this person really wasn't that hurt or this person wasn't suffering because they're living their best life. Stay off of social media from the time you get in a wreck to the time you settle your case. You do not want social media videos and pictures used against you in your case.

Speaker 0: 4:40

And look, insurance companies don't want you to know that you have way more power than you think. You don't have to talk to them. You don't have to provide them information. You have the power to hire a lawyer, and a lawyer could be the filter to deal with the insurance company, and so it protects you. You do not have to communicate with the insurance company. As we talked about earlier, what you say can and will be used against you. You feel like you have to communicate with them. You really don't. You have a lot of power. You have a lot of power to hire a lawyer. Get the most money you can from your case and not talk to them. Now that you really know what's going on behind the scenes, know that you don't have to go into battle alone and if you missed my last video, go check it out. Things you Should Never Say After a Car Wreck, because what you say or don't say could really make or break your case. I'll see you there.