Handling a Houston Car Accident Case with Chubb
With annual revenues of more than $30 billion and assets of more than $150 billion, Chubb Insurance is the largest property and casualty company in the world. If you are involved in a car crash while covered by such a successful organization, you would be forgiven for assuming that the claims process will be simple and straightforward. In reality, however, it can sometimes be a little trickier than you might expect.
If you need some help handling a car accident case with Chubb, all you need to do is reach out to the team here at Brian White & Associates. We have been assisting Houstonians with their accident claims for years – and we would love to add your name to our long list of satisfied clients.
How Our Experienced Attorneys Can Help You Fight for the Compensation You Deserve
The Houston attorneys here at Brian White & Associates are committed to providing our clients with top-class legal services. When you hire us to help you through the Chubb claims process, we will:
Evaluate the Full Extent of Your Damages
The main goal of your Chubb compensation claim is to receive enough money to cover your medical bills, vehicle repair costs, and other expenses. As such, before you can begin fighting for that compensation, it is first necessary to figure out how much financial restitution you should be aiming to receive.
Having worked on countless car accident cases over the years, our attorneys are well-versed in the art of damage evaluation. When you work with us, we will thoroughly review your case and provide you with an accurate estimate of the amount of cash you will need to cover your expenses.
Negotiate with Chubb on Your Behalf
Once Chubb has taken some time to look into your compensation claim, they will most likely give you a call to offer you a settlement. If you are happy with the amount of cash available, you can accept it. However, if their offer is too low, you can always attempt to negotiate it.
The lawyers here at Brian White & Associates have been negotiating with insurance companies like Chubb for years. We understand what it takes to convince them to offer more reasonable settlement deals. When you hire us, you can be confident that you will be well represented at the negotiating table.
Represent You in Court
If Chubb is unwilling to budge on their settlement offer, you will need to file a lawsuit against them and take the matter to court. There, a judge will review the case and decide whether or not you should be compensated for your injuries and property damage. Should they rule in your favor, they will also determine how much financial restitution you should receive.
Our knowledgeable attorneys have been representing clients in courtrooms throughout Texas for years. As such, we know how to argue in a way that will truly resonate with the judge. With our legal team by your side, you can be certain that you will receive a fair and just hearing in court.
Would you like to have one of our skilled lawyers help you fight for compensation after your auto accident? If so, just pick up the phone, give us a call, and set up a free consultation at our Houston law offices. We would love to meet with you to learn more about your case.
Understanding the Process of Filing a Claim with Chubb
The process of filing a compensation claim with a large commercial insurer like Chubb can sometimes be a little complicated. Generally speaking, however, it usually follows these steps:
Reporting the Crash
The Chubb claims process typically begins when the policyholder calls the company to report an accident. During these phone calls, Chubb’s representatives usually ask questions that policyholders can answer freely, such as:
- Have the police been notified of the crash?
- When did the accident happen?
- Where did the accident happen?
- Were any other vehicles involved in the crash?
They also tend to ask a lot of questions that policyholders should avoid answering, like:
- How did the accident happen?
- Who caused the accident?
- Did the weather play a role in the collision?
- Were you injured in the crash?
Individuals who answer these questions can potentially harm their compensation claim. Should Chubb’s representatives insist on receiving answers, policyholders are free to refer them to their attorney.
Dealing with the Claims Adjuster
When Chubb receives a report of an accident involving one of their policyholders, they usually assign a claims adjuster to the case fairly quickly. These adjusters are tasked with finding out as much information as possible about the crash and the damages incurred by the driver.
As part of their efforts to learn more about the accident, Chubb claims adjusters generally call the policyholder or meet with them in person. During this discussion, they typically ask many of the same investigative questions as the phone representative.
Again, it is rarely advisable for policyholders to answer these questions. They should instead refer the adjuster to their lawyer.
Having failed to extract any useful information from the driver, Chubb adjusters usually look elsewhere for details about the crash and the subsequent damages. A brief list of the places they could reach out to would include:
- The police
- The vehicle repair shop
- Any witnesses to the crash
Negotiating the Settlement Offer
Once the claim’s adjuster has concluded their work, they generally contact the policyholder to offer them a settlement. If that settlement is fair, the policyholder is free to accept it and close out the case. However, if Chubb’s offer is on the low end, they can instead choose to negotiate.
This negotiation process usually involves the policyholder’s attorney sending medical bills and repair estimates to Chubb’s adjuster to prove that their client needs more money.
If Chubb chooses to raise its settlement offer as a result of the lawyer’s efforts, the claims process is then drawn to a conclusion. However, if they are unwilling to offer a more reasonable deal, the policyholder is left with only one option – filing a lawsuit and taking their insurer to court.
Within the insurance industry, Chubb has developed something of a reputation for refusing to negotiate settlement deals. As such, it is not unusual for its policyholders to have to take it to court to recover the compensation they deserve.
During the trial, the presiding judge will listen to arguments from both parties. Once both sides have made their case, the judge then decides how much (if any) compensation the policyholder should receive.
In most instances, this courtroom process takes no longer than a couple of days.
The team here at Brian White & Associates has been assisting the people of Houston with their personal injury claims for years. If you have been involved in a motor vehicle accident and need an attorney to help you fight for the compensation you deserve from Chubb, all you need to do is give us a call or contact us online.
How to Improve Your Chances of Recovering the Compensation You Deserve from Chubb
Given how tricky the Chubb compensation process can be, you would be wise to take every opportunity you can to increase your chances of achieving a favorable outcome. The following tips should help you do just that:
Do Not Admit Fault
When speaking to the police or your insurance company after an accident, it is never advisable to admit fault. Should you do so, your insurer may use your admission as grounds to deny your claim or reduce your compensation payout.
Do Not Answer Any Unnecessary Questions
When you talk to Chubb after your crash, they are likely to ask you a lot of questions about the cause of the accident. They may also question you about the injuries that you sustained in the accident. If you do not wish to harm your case, you should refrain from answering these questions.
Take Plenty of Pictures of the Accident Scene
Your compensation claim or personal injury case is only as strong as the evidence you have to support your version of events. As such, if you want to improve your chances of recovering financial restitution from Chubb, you would be wise to take plenty of pictures to thoroughly document the scene of your accident.
Follow Your Doctor’s Advice
If you are injured as a result of your car crash, you should seek medical treatment as soon as possible. You must then ensure that you follow your doctor’s advice to a tee. Should you fail to do so, Chubb may argue that you are not as injured as you claim to be.
The attorneys here at Brian White & Associates are experts in all areas of Texas personal injury and wrongful death law. If you need more information on the best ways to improve your chances of recovering compensation from Chubb, all you need to do is reach out and set up a consultation with a member of our team.
Need Help Handling a Car Accident Case with Chubb? Our Law Firm is Always Available
Do you need an experienced attorney to help you recover financial restitution from a major auto insurance company like Chubb? Then please do not hesitate to contact the team here at Brian White & Associates. We are always available to help our friends and neighbors in Houston fight for the compensation they deserve.