How Insurance Companies Trick You After a Crash
- Sebastian Nuñez Injury Law
- Jul 17
- 3 min read
Updated: Jul 27
When you're involved in a car accident in El Paso, dealing with the aftermath can feel overwhelming. You're trying to heal, get your vehicle repaired, and make sense of the confusing world of insurance claims. What most people don't realize is that insurance companies are not on your side. Their goal is to pay you as little as possible, and they'll use every trick in the book to do it.
At Sebastian Nunez Injury Law, we’ve seen firsthand how insurance adjusters manipulate injured victims. Before founding our firm, Sebastian Nuñez defended large corporations and insurance companies—so he knows exactly how the game is played. If you’re searching for help with your insurance claim for a car accident in El Paso, this article is essential reading.
Common Tricks Insurance Companies Use After a Crash
1. They Ask for a Statement Right Away
It may seem harmless when the adjuster calls you and asks, "Can you tell me what happened?" But this is not for your benefit. They’re looking for inconsistencies or casual phrases like "I'm fine" that they can use to minimize your injuries or deny your claim.
Tip: Never give a recorded statement without speaking to a lawyer first. Contact Us for a free consultation.
2. They Offer a Quick Settlement
A fast offer might seem generous, especially when you have bills piling up. But that initial offer is almost always a lowball – far below what you may be entitled to.
Why do they do this? Because they know many people don’t understand the long-term cost of injuries, medical care, and lost income. Once you sign, you waive your right to ask for more—even if your condition worsens.
3. They Delay Your Claim
Adjusters may say they need more documentation, or they’re still "reviewing." The longer they drag things out, the more pressure you feel to accept less money.
Insurance delay = financial pressure = unfair settlements.
If you feel stuck, reach out to Sebastian Nunez Injury Law to protect your rights.
4. They Dispute Your Medical Treatment
Insurance companies often try to second-guess your doctor. They may:
Claim your injuries were pre-existing
Argue the treatment was unnecessary
Send you to a "company doctor"
This tactic is designed to undermine your recovery and reduce your payout.
5. They Use Your Social Media Against You
Even a smiling photo on Facebook or Instagram can be used as "proof" that you're not really hurt. Insurance companies monitor social media closely after a claim is filed.
Tip: Stay off social media while your claim is ongoing. Or at least keep posts private.
What to Do If You Think You're Being Tricked
If your insurance claim for a car accident in El Paso feels shady or slow, trust your gut. You're probably right.
Here’s what you can do:
Call a personal injury attorney immediately
Don’t accept a settlement without legal review
Keep track of all medical visits and receipts
Screenshot any communication from your insurance
You pay nothing unless we win.
Final Thoughts: Don’t Go It Alone
Insurance companies are trained to reduce your payout. You're not just a person to them – you're a claim number. At Sebastian Nunez Injury Law, you're a human being who deserves justice, respect, and full compensation.
Whether you speak English or Spanish, we’re here to serve the El Paso community with dignity and fierce advocacy. Hablamos Español.
Need help with your insurance claim car accident El Paso? We’re ready to help.
