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The Indianapolis Colts will look to play the role of spoiler when they battle the Los Angeles Chargers on Monday Night Football. The Chargers (8-6) are in the heart of the AFC wild-card race and a win clinches their spot in the 2022 NFL playoffs. Los Angeles has won two in a row and three of four as it holds the No. 6 seed in the AFC. The Colts (4-9-1), who are coming off a 39-36 overtime loss at Minnesota in a game in which they led 33-0, have dropped four in a row. The Chargers have been opportunistic this season and are tied for 10th in the NFL with a plus-three turnover differential. The Colts, meanwhile, are tied for 31st with a minus-12 turnover differential.

Kickoff from Lucas Oil Stadium in Indianapolis is set for 8:15 p.m. ET. Los Angeles is a 3.5-point favorite in the latest Chargers vs. Colts odds from Caesars Sportsbook, while the over/under for total points scored is set at 44.5. Before making any Colts vs. Chargers picks or NFL predictions, make sure you check out what SportsLine's resident Los Angeles expert, R.J. White, has to say.

White, a Fantasy and gambling editor for CBS Sports, consistently crushes against-the-spread picks and went 445-378-24 on his ATS picks from 2017-21, which returned $2,542 to $100 players. He's also an incredible 22-9-2 on his last 33 against-the-spread NFL picks involving the Chargers, returning $1,193 for $100 bettors.

He's well-known for cashing out big in the Westgate Las Vegas SuperContest twice since 2015. White also cashed big on his NFL futures in 2021, including nailing Jonathan Taylor as the NFL rushing leader at 10-1. Anyone who has followed White is way up. 

Now, White has set his sights on Colts vs. Chargers and just locked in his picks and NFL predictions. You can head to SportsLine now to see his picks. Now, here are several NFL odds and betting lines for Chargers vs. Colts:

  • Chargers vs. Colts spread: Los Angeles -3.5
  • Chargers vs. Colts over/under: 44.5 points
  • Chargers vs. Colts money line: Los Angeles -205, Indianapolis +170
  • LAC: The Chargers are 5-2 against the spread in their last seven games following an ATS loss
  • IND: The Colts are 5-0 ATS in their last five games after allowing more than 30 points in their previous game
  • Chargers vs. Colts picks: See picks at SportsLine

Why the Chargers can cover

Tight end Gerald Everett has become a weapon in the offense and is among the team leaders in receiving. In 13 games, Everett has 52 receptions for 532 yards (10.2 average) and two touchdowns. He has four explosive plays of 20 yards or more, including a season high of 26 yards, with 313 yards after the catch and 25 first-down conversions. He had five catches for 80 yards (16 average) in a 27-20 loss at Las Vegas on Dec. 4.

Defensively, linebacker Khalil Mack continues to make his presence felt. In 14 games, Mack has 45 tackles, including 29 solo, with seven sacks for 48 yards and 10 tackles for loss. He has two pass breakups, two forced fumbles and two fumble recoveries. Mack had five tackles and a pass breakup in Week 15. He has a tackle for loss in two of the past three games on the road, and is the only player with six or more sacks in each of the past eight seasons. He has a sack in four of his past five games on Monday Night Football. See which team to pick here.

Why the Colts can cover

Nick Foles becomes Indianapolis' third starting quarterback of the season when he goes under center on Monday night. Foles helped lead Philadelphia to the Super Bowl LII championship in 2017 with a 41-33 win over the New England Patriots. In that game, he completed 28 of 43 passes for 373 yards and three touchdowns. He was picked off once, but was named the Super Bowl MVP. Foles has had a solid career, completing 62.4% of his passes for 14,003 yards and 82 touchdowns. He has been intercepted 43 times.

Zack Moss and Deon Jackson will share duties at running back following Jonathan Taylor's high ankle sprain that will cause him to miss the rest of the season. Moss was solid in last week's loss at Minnesota, rushing for 81 yards, tying his career high. Jackson tacked on 55 yards and hauled in his first career touchdown reception against the Vikings. For the season, he has 57 carries for 191 yards (3.4 average) and one touchdown. He has also hauled in 21 passes for 125 yards (6.0 average). See which team to pick here.

How to make Colts vs. Chargers picks

White has analyzed this matchup from every angle. He's leaning Under the point total and he has discovered a critical X-factor that has him jumping all over one side of the spread. He's only sharing what it is, and which side to back, at SportsLine.

Who wins Chargers vs. Colts on Monday Night Football? And which critical X-factor makes one side of the spread a must-back? Visit SportsLine now to see which side of the Colts vs. Chargers spread to back, all from the expert who is an outstanding 22-9 on picks involving Los Angeles, and find out.