CHUBB Motor Vehicle Insurance Claims

Chubb Group is the largest publicly traded P&C insurance company in the world. It is the largest commercial insurer in the United States and has operations in 54 different countries. If you have suffered an injury in a North Carolina car accident and the at-fault driver is insured by Chubb Group, you will need to file a claim with Chubb Group as soon as possible.

At Arnold & Smith, PLLC our attorneys know how to fight assertively on behalf of our clients. We understand that many times, our clients’ lives are on hold as they wait to receive compensation for their injuries. Dealing with insurance companies can create additional stress for clients who are already facing significant hardship as a result of their injuries. You do not need to go through the insurance process alone. Having an experienced personal injury attorney on your side will relieve a lot of the pressure and uncertainty you may be feeling. Contact our law firm today to schedule your free initial consultation.

Chubb Group began in 1882 as a group of insurance companies that provided cargo and shipping businesses with commercial experience. Now, Chubb group employees over 10,000 people. Chubb Group includes the following insurance subsidiary companies:

• Federal Insurance Company
• Pacific Indemnity Company
• Vigilant Insurance Company
• Great Northern Insurance Company
• Northwestern Pacific Indemnity Company

Chubb Group offers customers a uniquely high coverage limit. For example, a customer can purchase a car insurance policy for up to $1 million in uninsured or underinsured motorist protection. Similarly, a customer can purchase up to $10 million in automobile liability coverage, an unusually high amount. Chubb Group has over $174 billion in assets. The company wrote $38 billion in gross insurance premiums in 2018. Chubb Group provides the following types of insurance to a diverse group of claims all over the world:

• Commercial property insurance
• Personal property insurance
• Casualty insurance
• Life insurance
• Personal accident insurance
• Auto insurance

Chubb Group serves small to extremely large businesses all over the world. It also serves individuals and families. If you have suffered an injury by a commercial driver, or a driver who caused the accident while working for an employer, you will need to file a claim with Chubb Group.

Although Chubb Group has an international presence, the process of filing a claim with Chubb Group is similar to the process used by other national insurance companies, such as USAA, Nationwide, Progressive, and GEICO. Injured parties can submit a claim online or via phone call. Chubb Insurance company will then assign the claim a case number and will assign a claims adjuster to the case. Many times, a claims adjuster will contact the injured party to request additional information.

If an insurance investigator contacts you regarding the car accident and asks you to provide a statement of the events, it is wise to seek guidance from a skilled attorney before going on record. At Arnold & Smith, PLLC our attorneys can assist you in drafting a statement of what happened in the accident that you can submit to Chubb Group. It is essential that you do not inadvertently admit or imply fault for the accident in your statement. If you are not the at fault party, you absolutely do not want to admit or imply fault, because insurance companies like Chubb Group will use any opportunity possible to deny your claim. An admission of guilt from the claimant is an easy way to legally deny an insurance claim.

Accepting a settlement amount that is too low is one of the most common mistakes that we see injured parties make. If you have had to take time off of work to recover from your injuries, you are probably worried about how to make ends meet. Accepting the first settlement offer from Chubb Group may seem like the best option. However, many settlement agreements do not account for all of the expenses your injuries will cause, such as:

• Medical bills
• Hospitalization costs
• Out of pocket expenses
• Property damage to your motor vehicle
• The cost of future medical treatment, rehabilitation, surgeries, and hospital stays
• Lost wages due to time away from work caused by injuries suffered in a car accident
• The loss of future earning ability due to a permanent or temporary disability
• Non-tangible damages for loss of consortium, pain, suffering, loss of enjoyment

If you have suffered injuries from a car accident, we can help. Contact our personal injury law firm today to schedule your free initial consultation. Now accepting cases throughout North Carolina and offering three convenient locations in Charlotte, Mooresville and Monroe.