Working through the trauma of a car accident comes with a ton of stress. The last thing you need is to deal with a complex auto accident claim – especially through a large company like Chubb Insurance.
Chubb’s auto insurance division is massive, with total net premiums written in a single year topping out at $34.7 billion. Their significant global presence and impressive assets might lead you to assume that your insurance claim process will be smooth and simple. Unfortunately, this is often not the case for many people. The reality is insurers want to minimize claim payouts, so the process is made as difficult as possible with delays and lowball offers. Chubb isn’t going to provide clarity for the steps you must take, so hiring an expert personal injury attorney is your best bet to ensure you get the compensation you deserve.
So, how do auto accident claims work? Here is everything you need to know about filing a Chubb insurance accident claim and how we can remove the frustration from the equation.
You’ve Been Injured in an Accident – What Happens Now?
Since the Covid-19 pandemic, the frequency of auto insurance claims has been on the rise. In 2023, bodily injury severity increased by a whopping 20%. Claimants are seeking legal guidance more than ever, and those who hire a personal injury attorney are far more likely to receive a better settlement.
After your accident, the claims process with Chubb or any insurance company can feel impossible. They’ll demand a lot of information upfront, and your response can easily impact the outcome of your claim.
- Reporting the Accident: You’ll need to notify Chubb about the accident as soon as possible after the crash. Have your policy number, date and location of the accident, information about any other individuals involved, and whether or not the police were notified handy. The more details you are able to provide, the better your claim experience will be. Be careful, though—Chubb will also ask for detailed information about the accident to determine who was at fault. These questions are carefully designed to gather information that may weaken your claim. It’s typically best to let your personal injury attorney handle these conversations.
- Claims Adjuster Contact: Chubb will assign a dedicated claims adjuster to investigate the details of your case. This person is on a mission to minimize the payout, so be mindful when they ask questions that are seemingly harmless because they can be used against you later. They may also contact everyone involved with the accident to get more information to justify a lower settlement – repair shops, witnesses, police officers, etc. An experienced personal injury attorney on your side makes a significant difference in this aspect because they can protect you from the adjuster’s sneaky tactics.
- Initial Settlement Offer: After a thorough investigation, the insurance company will present you with an initial settlement offer. It’s essential to recognize that their first offer is almost always lower than what you deserve and might not even cover your expenses. Don’t give in to the pressure to accept the first offer to get it over with. A personal injury attorney will ensure you don’t get shortchanged.
Hiring a Lawyer Guarantees You a Better Outcome with Your Auto Accident Claim
Car insurance costs are on a steep incline, with the average price increasing by a staggering 63.8% between 2014 and 2023. When you’re paying through the nose to cover your high premiums, you deserve the highest possible settlement when you do put in an insurance claim.
Claimants who hire a lawyer to handle their Chubb insurance accident claims receive more compensation than those who try to handle things independently. Chubb and other insurers rely on their policyholders to be unfamiliar with the insurance claims process and eager to get things over with.
A personal injury attorney will do the heavy lifting and secure a better settlement.
Sneaky Tactics Insurance Companies Use to Minimize Your Claim Payouts
Like all major insurers, Chubb has carefully honed tactics for minimizing your insurance claim payouts.
Their sneaky strategies may include:
- Quick, Lowball Settlements: Insurers prey on inspecting claimants in a difficult financial position – hoping they’ll accept the first offer.
- Delays, Delays, Delays: By employing the “hurry up and wait” method, insurance companies make you feel more for a quick resolution, so you’ll settle for less.
- Disputing Medical Necessity: Insurers might argue that your injuries weren’t serious enough to need medical treatment or that the treatments you received were unnecessary, which can lower your settlement.
- Blaming You for the Accident: The claims adjuster may try to argue that you were at least partially at fault for the accident, eliminating the possibility of a payout.
An experienced personal injury attorney can combat these tricks so your best interests are represented.
Angel Reyes & Associates Can Help You Get the Best Payout for Your Chubb Insurance Accident Claim
We understand firsthand how frustrating it is to struggle with an auto accident claim with Chubb. Our incredible team of seasoned personal injury attorneys is here to lift the burden off your shoulders and ensure you get a fairer settlement. Here are all the ways we can help:
Evaluating the Full Extent of Your Damages
We’ll conduct a thorough review of all of the costs you incurred from the accident – from medical expenses to repair costs, lost wages, pain and suffering, and more to ensure you have an exact compensation figure in mind.
Negotiating with Your Insurance Carrier
Our attorneys are highly skilled negotiators who know how these insurance companies operate. We’ll handle all communications on your behalf and fight to get you the most compensation—ideally far more than what you would receive without our help.
Protecting Your Rights
Insurance companies can be sneaky in their line of questioning. We’ll coach you to make sure you don’t accidentally say something that could be used against you in your insurance claim.
No More Rate Hikes
Oftentimes, accident victims worry that filing a claim will negatively impact their insurance rates. At Angel Reyes & Associates, we fight so that your compensation minimizes the risk of future premium increases.
Filing a Lawsuit, If Necessary
Typically, these types of claims are settled out of court, but if Chubb refuses to offer a fair settlement, we’re fully prepared to take your case to court. Our experienced, compassionate trial lawyers will argue your case effectively in front of a judge to ensure you get the best possible outcome.
Dealing with Chubb, or any insurance company, after you’ve been through the pain and suffering of a car accident can be exhausting, time-consuming, and unnecessarily stressful. With the team at Angel Reyes & Associates on your side, you are never alone. We will fight tirelessly so you get the compensation you deserve while you focus on moving forward with your life. Stop by one of our conveniently located offices today so you can take the first step on your road to recovery.
