Avoid Talking to the Insurance Companies
Insurers don’t call to help you. They call to limit what they pay. One wrong word can cost you thousands.
Let us speak for you—
24/7 phones answered at 844-759-9529.
Avoid Talking To The Insurance Companies, Why?
Insurance companies are for profit, and the way they profit is by denying claims.
If insurance companies liked to pay people who are hurt,
it wouldn’t be a $1 billion industry for attorneys,
who get paid mega bucks to go after insurance companies.
Do not give them what they need to tell you no, or make your case worse.
Let an expert handle the wolves
Avoid Talking To The Insurance Companies
Recorded Statements Can Be Twisted
Insurance adjusters will often reach out shortly after an accident and push for a recorded statement, making it sound routine or even required. What most people don’t realize is that even the most innocent or casually worded questions are deliberately designed to trap you into saying something that can later be used to minimize your injuries, shift blame onto you, or reduce the value of your claim. Adjusters are trained professionals whose primary duty is to protect the insurance company’s bottom line—not your well-being.
They may phrase questions in a way that makes you downplay your pain, admit uncertainty, or offer details before you have even seen a doctor. Once those statements are recorded, they can—and will—use them against you.
Our attorneys understand these tactics and know how to shut them down. We step in to handle all communication, making sure the insurance companies cannot twist your words or pressure you into mistakes that cost you compensation.
Avoid talking to the insurance companies alone. Having an experienced attorney beside you is the strongest protection you have.
Early Offers Are Almost Always Lowball
Often Insurance comapanies will deny a claim from the start. If not, insurers aim to resolve claims quickly and cheaply. By settling before your injuries fully manifest, you risk forfeiting compensation for future medical care, lost wages, and pain and suffering. We’ll fight to secure the full value you deserve.
Avoid Talking To The Insurance Companies alone.
Complex Legal Deadlines and Requirements
Texas law imposes strict notice requirements and filing deadlines, especially against government entities. One misstep or missed deadline can bar your claim entirely. We handle all procedural steps so you don’t lose out.
Avoid Talking To The Insurance Companies alone.
Hidden Policy Exclusions
Your insurance policy may contain exclusions or fine-print obstacles designed to limit coverage. Our team reviews every policy detail to identify what you’re truly entitled to—and challenges improper denials.
Avoid Talking To The Insurance Companies alone.
We Advance All Costs and Only Get Paid if You Win
Taking on an insurance company alone means fronting expert fees, medical records retrieval, and legal costs. We cover those expenses, so you can focus on healing. You owe us nothing unless we recover for you.
Avoid Talking To The Insurance Companies alone.
Why Avoiding Direct Contact With Insurance Companies Protects Your Claim
Insurance companies move quickly after an incident for a reason. Their goal is not to understand what you are going through—it is to limit financial exposure as early as possible. When an injured person speaks directly with an adjuster, the conversation is rarely neutral. Questions are carefully framed, responses are recorded, and even innocent statements can be interpreted in ways that reduce or deny compensation.
What feels like a routine phone call is often the foundation of the insurer’s defense strategy. Adjusters are trained to gather information that can later be used to question the severity of injuries, shift partial blame, or create inconsistencies between early statements and later medical findings. Once those statements are locked in, they become difficult to undo.
Having legal representation creates an immediate boundary. Communication becomes structured, documented, and purposeful. Instead of reacting under pressure, your case is presented with clarity and control.
Avoid Talking To The Insurance Companies alone.
Recorded Statements Create Permanent Risk
One of the most common tactics insurers use is requesting a recorded statement shortly after an incident. These requests are often presented as “required,” “standard,” or “just for the file.” In reality, recorded statements primarily serve the insurer—not the injured party.
When someone is still in pain, shock, or confusion, they may unknowingly minimize symptoms, speculate about events, or provide incomplete timelines. Those early statements can later be compared against medical records, expert opinions, or testimony to argue inconsistency—even when injuries worsened naturally over time.
Once recorded, statements cannot be retracted. They can be replayed, selectively quoted, or taken out of context. Legal representation ensures that no statements are given without strategy, preparation, and a clear understanding of the implications.
Avoid Talking To The Insurance Companies alone.
Early Settlement Offers Often Ignore Long-Term Consequences
Insurance companies frequently attempt to resolve claims before the full impact of injuries is known. These early offers may seem appealing—especially when medical bills are mounting or income has been interrupted—but they rarely reflect the true scope of loss.
Many injuries evolve. Symptoms intensify. Treatment plans expand. Future care, rehabilitation, or limitations may not be immediately apparent. Accepting an early settlement often means permanently waiving the right to recover for future expenses, even if complications arise later.
Legal guidance ensures that settlement discussions are based on evidence—not urgency. Attorneys evaluate medical documentation, projected care needs, lost earning potential, and non-economic damages before engaging in negotiations. This prevents clients from settling too early and absorbing costs that should have been covered.
Avoid Talking To The Insurance Companies alone.
Policy Language Is Often More Restrictive Than It Appears
Insurance policies are complex documents filled with exclusions, limitations, and conditions that are rarely explained upfront. Coverage disputes frequently arise not because a claim lacks merit, but because an insurer interprets policy language narrowly or applies exclusions aggressively.
Without representation, individuals may accept denials at face value—assuming there is no alternative. In reality, many denials can be challenged, re-evaluated, or overturned with proper documentation and legal pressure.
Attorneys review policy language in detail, identify applicable coverage, and push back against improper exclusions. This ensures that insurers honor the full extent of their contractual obligations rather than selectively enforcing provisions that benefit them.
Avoid Talking To The Insurance Companies alone.
Legal Representation Shifts the Balance of Power
Insurance companies handle claims every day. They have internal teams, legal departments, and established playbooks designed to control outcomes. When an individual navigates the process alone, the imbalance is significant.
Legal representation shifts the balance of power by removing direct access to you. Insurers must communicate through counsel, follow procedural rules, and justify their positions with evidence—reducing manipulation, delay tactics, and pressure designed to force unfair settlements.
Avoid Talking To The Insurance Companies alone.
What To Do Instead
Send all calls to us: “I’m represented. Please contact my attorney at 844-759-9529.”
Preserve evidence: Photos, scene details, witnesses, bills, mileage, time off work.
Follow treatment: Keep appointments; follow doctor’s orders; document symptoms.
Keep a journal: Pain levels, limitations, sleep and work impact.
Avoid Talking To The Insurance Companies alone.
Script for When Adjusters Call
“I’m not giving a recorded statement.
I’m represented by JW Zepeda Law Firm.
Please contact my attorney at 844-759-9529. Thank you.”
Common Questions
Here are some of the most frequently asked questions by our Clients.
In most cases, it’s best to avoid direct communication with the insurance company until you’ve spoken with a lawyer. Insurance companies are trained to gather information that may reduce or deny your claim. Even casual statements can be misinterpreted or used later against you.
Recorded statements lock your words in permanently. Adjusters often ask questions designed to elicit incomplete or damaging responses, especially before you fully understand your injuries or losses. Once recorded, statements cannot be corrected or clarified later.
Yes. Anything you say—whether in writing, by phone, or in a recorded statement—can be used to dispute liability, downplay injuries, or reduce compensation. Even honest statements can be taken out of context to weaken your claim.
A single statement can be enough for an insurance company to argue partial fault, deny coverage, or undervalue your damages. Once that narrative is established, it can be difficult to undo without legal intervention.
No. Insurance adjusters work for the insurance company—not for you. Their job is to minimize the amount the company pays, even if they appear friendly or helpful. Their interests are not aligned with yours.
You are generally not required to speak directly with the opposing insurance company. Once you have legal representation, all communication should go through your attorney, protecting you from unnecessary pressure or missteps.
Quick contact often benefits the insurer, not the victim. Early conversations happen before injuries are fully diagnosed and before damages are calculated. Fast settlements are frequently lower than what the claim is truly worth.
When a lawyer is involved, insurance companies must communicate through legal counsel. This prevents harassment, controls the flow of information, and ensures that all statements and negotiations are handled strategically and accurately.
You should avoid discussing fault, injuries, prior medical history, recorded statements, settlement expectations, or signing documents without legal review. These details can significantly impact the outcome of your claim.
No. Exercising your right to legal representation does not harm your claim. In fact, it often strengthens it by preventing mistakes and ensuring your rights are protected throughout the process.
“Basic information” often includes questions designed to limit liability or lock you into statements before you understand the full impact of your injuries. You are not required to provide detailed explanations or recorded statements without legal representation. Having an attorney handle communication protects your rights from the start.
Many injuries take hours or days to appear. Insurance companies may use early statements to argue you weren’t hurt. Delayed symptoms are common, and early comments can unfairly reduce your claim.
Legal Disclaimer
The information provided on this page is for general informational purposes only and is not intended as legal advice. Reading this content does not create an attorney-client relationship. Every case is different, and legal outcomes depend on specific facts and circumstances. You should not rely on this information as a substitute for advice from a qualified attorney regarding your individual situation. For guidance specific to your case, consult with a licensed attorney.
Still have more questions?
If you have other questions or need further assistance, feel free to reach out to us anytime. We’re here to help you find the answers you need!
About Us
At JW Zepeda Law Firm, we blend compassion with tenacity to deliver top-rated trial advocacy across Texas. From our roots as a veteran-owned practice to our multi-territory footprint, every client receives the personal attention and battlefield-tested strategy they deserve. We are designed to work efficiently and remotely, so we are there for you no matter where you are. As long as you do what you say, we will do what we say, and we have the reputation to prove it.
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