The Insurance Company Is Not Your Friend: Here’s Why

If you’ve been injured in a car crash in Arizona, whether on I-10, the Loop 202, or a downtown Phoenix intersection, the first phone call you get might be from an insurance adjuster sounding polite, helpful, and even sympathetic.

But don’t be fooled.

Insurance companies are not on your side.

At Big Auto, we’ve seen firsthand how insurers manipulate, delay, and deny valid injury claims, all while pretending they’re just trying to “help you move forward.” This article breaks down exactly why you shouldn’t trust them, and how Big Auto fights back to protect crash victims across Arizona.

Insurance Companies Exist to Make Money, Not to Pay You Fairly

Despite what their commercials say, insurers aren’t in the business of doing what’s right. They’re in the business of maximizing profits. And how do they do that? By minimizing what they pay out in claims.

Their loyalty lies with:

• Shareholders
  
• Corporate bottom lines
  
• Aggressive risk teams , not you

If you think the adjuster has your best interest in mind, think again.

Even in a straightforward rear-end crash on Loop 101 in Scottsdale, they’ll do everything they can to twist your words, devalue your injuries, and rush you into a low settlement.

Tactic #1: Calling You Before You Know What You're Owed

One of the most common tricks is calling just hours or days after the crash, often before you’ve even seen a doctor.

They’ll ask:

• “How are you feeling?”
  
• “Do you think you’ll miss work?”
  
• “Can you describe the crash in your own words?”

These aren’t casual questions, they’re carefully designed to:

• Get you to say you’re “fine”
  
• Trap you into admitting partial fault
  
• Lock you into a statement before the pain sets in

What you say now could cost you thousands later.

Tactic #2: Offering a Fast (But Low) Settlement

Injured victims, especially those without a lawyer, often receive a check in the mail within days. It might feel like a blessing at first. But here’s the truth:

• That check is likely far less than your case is worth
• Cashing it usually means you waive all future rights
• If your condition worsens, you can’t go back for more

We’ve seen Arizona clients suffer long-term spinal damage, require surgery, or develop chronic pain weeks or months after a crash, but if they’ve already signed away their rights, it’s too late.

Let Big Auto review every offer before you accept a dime.

Tactic #3: Delaying Your Claim Until You Give Up

Insurance companies know that time is on their side. They’ll:

• “Lose” paperwork
  
• Say they need more records
  
• Blame third-party adjusters
  
• Promise callbacks that never come

Their goal? To wear you down so you accept less, or drop the claim altogether.

This happens often with serious accidents in Maricopa County involving rideshares, commercial vehicles, or multiple parties. The more complex the case, the more excuses they’ll make to avoid paying.

That’s why Big Auto moves fast. We don’t wait. We act.

Tactic #4: Blaming You, Even If It Wasn’t Your Fault

Arizona uses a pure comparative negligence system. That means:

• The more fault they can pin on you, the less they owe
  
• Even saying something innocent like “I was running late” can be used against you

Insurers often claim:

• You stopped too suddenly
  
• You weren’t wearing a seatbelt
  
• Your injuries existed before the crash
  
• You shared blame for poor road conditions

They’ll dig into your medical history, social media, and even video footage, all to reduce or deny your compensation.

Big Auto fights back with facts, evidence, and expert witnesses.

Real Case Example: Glendale Side-Impact Collision

A Big Auto client was t-boned near West Glendale Avenue. The other driver ran a stop sign, but the insurer claimed our client had “accelerated aggressively.”

The adjuster offered $6,000 , despite hospital bills from Banner Thunderbird Medical Center exceeding $20,000.

We:

• Sent an accident reconstructionist to the scene
  
• Interviewed witnesses
  
• Showed clear fault using intersection camera footage

Result? $92,000 settlement , over 15x the original offer.

The Big Auto Difference

When you hire Big Auto, we:

✔️ Handle all communication with insurers✔️ Stop lowball offers before they reach you✔️ Build a bulletproof case with documentation, experts, and local insight✔️ Force insurers to treat you fairly, or face us in court

We don’t get paid unless you win. And we’ve handled injury claims across:

• Phoenix
• Mesa
• Tempe
• Chandler
• Tucson
• Glendale
• Peoria…and more.

From Maricopa County Superior Court to every major hospital system, we know Arizona injury law inside and out.

What You Should Do Instead

If you’ve been in a crash:

1. Do not give a recorded statement to insurance
2. Do not accept or cash any settlement check
3. Call Big Auto before making any decisions

We’ll:

• Evaluate your case
  
• Explain your full rights
  
• Handle the insurance company from day one

You don’t owe us a cent unless we win your case.

Don’t Let a Friendly Voice Fool You , Call Big Auto First

The insurance company might sound helpful. But behind the scenes, they’re building a case against you. Protect yourself before it’s too late.

Call Big Auto today for a free consultation. We’ll take over the legal battle , and fight to get you every dollar you deserve.

Injured in Arizona? Big Auto is built to go big for you.