Top 5 Things Insurance Companies Don’t Want You to Know After a Wreck

Published January 7
By The Chaney Law Firm — Oklahoma Personal Injury Attorneys

After a car or motorcycle accident, the insurance company may sound helpful. Friendly. Even supportive.
But make no mistake:

Insurance companies are not on your side — they’re protecting their profits.

Adjusters are trained professionals, and their job is simple:
Pay injured people as little as possible.

Here are the top five secrets they hope you never learn.

1. Their First Offer Is Almost Always a Lowball

The adjuster will say things like:

• “This is a fair offer.”

• “This is the most we can do.”

• “Let’s get this wrapped up.”

All lies.

Insurance companies offer quick settlements because:

• They want you to accept money before you know the full extent of your injuries

• They want to avoid paying future medical bills

• They want to close your case before you talk to a lawyer

Once you sign a release, you can’t ask for more money — ever.

2. You’re Not Required to Give a Recorded Statement

Adjusters try to make it sound mandatory.
It’s not.

Recorded statements only serve one purpose:
to lock you into answers that can be used against you later.

They ask leading questions like:

• “You weren’t in much pain at the scene, right?”

• “You didn’t see the other car until the last second?”

• “You were able to drive home afterward?”

Each answer can be twisted to minimize your claim.

👉 You have the right to say:
“My attorney will handle all communication.”

3. Delaying Medical Care Lets Them Claim You Weren’t Seriously Injured

Insurance companies love when victims wait days or weeks to see a doctor.
Why?

Because they can argue:

• You weren’t actually hurt

• Something else caused the injuries

• Your injuries aren’t related to the wreck

Even if you felt “fine” at the scene, seek medical treatment right away.

4. They Use Your Own Medical History Against You

Even old injuries can become excuses:

• A 10-year-old back issue

• A prior shoulder strain

• A past car accident

• Minor chiropractic visits

Insurance companies claim your injuries are “pre-existing” — even when the wreck clearly made them worse.

Being honest about your medical history protects you, but the insurer will use ANY inconsistency to reduce your compensation.

Your attorney knows how to fight these tactics.

5. Your Own Insurance Company Can Work Against You (UM/UIM Claims)

This surprises most people.

If the at-fault driver is uninsured or underinsured, you may file a claim through your own insurance policy.
But your insurer is still motivated to pay as little as possible.

That means:

• Delays

• Denials

• Low offers

• Blaming you

• Minimizing injuries

Just because it’s “your” insurance doesn’t mean they’re on your side.

Once an attorney is involved, they treat your claim differently — because they know they can’t take advantage of you.

The Insurance Company Has a Strategy — You Need One Too

The insurance system is designed to protect companies, not victims.
But when you have the right attorney on your side, you flip that power back in your favor.

At The Chaney Law Firm, we know every tactic insurers use — because we’ve fought them from both sides.
We move fast, protect your rights, and make sure you never get taken advantage of.

📞Call The Chaney Law Firm today for a free consultation.
You deserve the truth — and the full compensation the law allows