Coming soon

Your auto insurance policy is a book nobody reads.

We fix that. ClaimDecode explains deductibles, liability, claims, and subrogation — in plain English, before you need to know, not after.

87% of drivers don't fully understand their own coverage
$1,163 average 6-month premium — most people don't know what they're paying for
The problem

Insurance companies talk in language designed to confuse you.

Adjusters use industry terms. Policies are written to protect the insurer, not you. And when you get into an accident — the moment you most need clarity — you're already behind. We're building the antidote: a trusted voice that explains insurance the way a smart friend would.

Not a salesperson. Not an insurance company.
A teacher in your corner.
Content pillars

What we break down

Accident Education

What to do at the scene. What NOT to say. Who calls insurance first. How fault is determined. What happens next.

Crash scene · Fault · Police reports · First 72 hours

Insurance Basics

Collision vs. comprehensive. What "full coverage" actually means. How deductibles work. Why your rate went up.

Coverage types · Deductibles · Rate increases · Policy language

Claim Secrets

How insurers calculate settlements. What adjusters look for. Why recorded statements matter. How subrogation works against you.

Settlements · Subrogation · Adjuster tactics · Rights

Storytime

Real scenarios: "She thought she had full coverage..." "This $40,000 claim started with one mistake." Stories that make the education stick.

Real claims · Mistake stories · Wins · Lessons
Free download

The Accident Playbook

A step-by-step checklist for exactly what to do in the first 24 hours after a crash. What to say, what not to say, who to call, what to document, and how to protect your claim before the insurance company takes over.

At-the-scene checklist (printable)
Phrase guide — what to say, what to avoid
What your insurance company doesn't want you to know
How to dispute a denied claim
Coming soon Free. No signup required.
ClaimDecode · Content Producer Kit

3 Anchor Videos — Ready to Film

Each video below is production-ready. Scripts written, thumbnails generated, CTA cards designed. Film these in order, publish to TikTok first, then Instagram Reels. Same visual identity across all three.

Video 1 thumbnail Video 1 · Evergreen 45–55s

"What NOT to say after a car accident"

⏱ HOOK — First 3 seconds

"Stop. Before you say another word to that insurance adjuster — you need to hear this."

🎬 BODY — 30–40 seconds

"Three things you should never say after a car accident. Number one: 'I'm sorry.' Even if it's not your fault. Those two words can be used against you in a claim. Number two: 'I feel fine.' Adrenaline hides injuries. You could be hurt and not know it for days. Number three: 'I don't know.' When they ask how fast you were going — if you say 'I don't know' — they will fill in a number that makes you look bad. Know your rights before you say anything."

📣 CTA CARD — Last 8 seconds

Save this. Follow ClaimDecode for more insurance secrets they don't teach you.

🎥 Filming Notes

  • Shoot with phone vertical (9:16), good lighting from front
  • No teleprompter — memorize the 3 points, speak naturally
  • Point at camera for emphasis on "stop", "sorry", "feel fine"
  • End on direct eye contact before cutting to CTA card
  • CTA card overlay: white text on dark green, ClaimDecode logo
Video 2 thumbnail Video 2 · Clarity 40–50s

"What full coverage actually means — and doesn't"

⏱ HOOK — First 3 seconds

"Full coverage is a myth. Here's what it actually covers — and what it leaves out."

🎬 BODY — 30–40 seconds

"Your agent says 'you're fully covered' — but what does that actually mean? Full coverage is two separate policies: liability and comprehensive/collision. Liability pays for damage YOU cause to others. It does NOT fix YOUR car. Comprehensive covers theft, fire, falling objects. Collision covers crashes. But — there's usually a deductible. And if you're in an at-fault accident, your rates go up. And here's the part they don't tell you: if someone hits you and they have minimum coverage — your 'full coverage' may be the only thing paying your bills. Know what's actually in your policy."

📣 CTA CARD — Last 8 seconds

Follow ClaimDecode — get your policy explained before you need it.

🎥 Filming Notes

  • Shoot vertical. Slightly slower, calmer delivery than Video 1
  • Use hand gestures to break up the policy explanation (not static talking head)
  • Hold up two fingers for the "two policies" moment — visual anchor
  • Direct eye contact on "myth", "here's the part they don't tell you"
  • CTA card overlay: cream background, dark green text, ClaimDecode logo
Video 3 thumbnail Video 3 · Secrets 50–60s

"3 ways insurance companies save money off your claim"

⏱ HOOK — First 3 seconds

"Your insurance company has a playbook — and you don't know the rules. Here are three ways they save money on YOUR claim."

🎬 BODY — 35–45 seconds

"Number one: the替你 — they send an adjuster to lowball you right after an accident. They're friendly, they seem helpful, and they offer you a settlement that sounds decent. But it's almost always way less than your claim is worth. Never accept a first offer. Number two: they ask for a recorded statement and they use everything you say against you. Anything you say can be twisted. You don't have to give one. Number three: they delay. The longer a claim stays open, the more likely you get frustrated and accept less. They bank on you giving up. Don't. Know your rights. Know your policy. Know what you're owed."

📣 CTA CARD — Last 8 seconds

Follow ClaimDecode — learn how to fight back against claim lowballing.

🎥 Filming Notes

  • Shoot vertical. Slightly lower energy than the first two — this one is "telling secrets"
  • Lean slightly toward camera on "lowball", "delayed", "give up" — conspiratorial tone
  • Hold up fingers for the three numbers, keep them on screen 3-4 seconds each
  • End with firm, direct delivery on "what you're owed"
  • CTA card overlay: dark green background, gold/amber text, ClaimDecode logo

📤 Publishing Guide

TikTok

  1. Open TikTok app → tap + (center bottom)
  2. Upload the video file (film and save to camera roll first)
  3. Caption: "3 things you should never say after a car accident 🛑 #insurance #caraccident #claimdecode"
  4. Add hashtag pack: #insurance #caraccident #claims #autocoverage #fullcoverage
  5. Tag @claimdecode if account exists
  6. Post at 7pm or 8pm for best reach

Instagram Reels

  1. Open Instagram → tap + → select Reels
  2. Upload video from camera roll
  3. Caption: "3 things you should never say after a car accident. Save this before you need it. 🛑 Full video link in bio"
  4. Add hashtag pack: #insurance #caraccident #insuranceclaim #fullcoverage
  5. Add CTA to bio link: linkinbio.com/claimdecode
  6. Post same day as TikTok, 30 min after
Post order: Video 1 (evergreen) → Video 2 → Video 3. Space each post by 2–3 days. Watch the first one's performance before pushing the second — if it hits 500+ views in 24h, accelerate the schedule.

Most people learn insurance the hard way — after a claim is denied, a settlement is low, or a rate goes up for no reason.

ClaimDecode changes that. We believe you shouldn't have to be an insurance expert just to protect what you paid for.

Insurance explained in plain English.
For the rest of us.