Insurance policies from reputable providers like Chubb are designed to protect policyholders from the financial burdens that follow accidents and injuries. Yet, disputes often arise when the insurer’s proposed settlement falls short of what’s truly needed to cover mounting expenses. If you’re in this situation, working with skilled personal injury attorneys in Los Angeles can help ensure you receive fair compensation.
This guide outlines Chubb’s claims process, what you can expect, and how the experienced team at Krolikowski Law Firm can assist you through mediation, arbitration, or—if necessary—a trial.
About Chubb
Founded in 1882, Chubb has grown into a globally recognized insurance provider offering a wide spectrum of coverage options, including auto, homeowner, and business policies. Although Chubb generally maintains a strong reputation within the insurance industry, some policyholders encounter challenges when they feel their claims are undervalued or denied.
Understanding how Chubb manages claims—and how to overcome common hurdles—can significantly influence the outcome of your case.
The Claims Process: Step-by-Step
- Filing a Claim
After an accident, it’s crucial to report the incident to Chubb as soon as possible. This includes submitting key documents—such as police reports, medical records, and repair estimates—to support your claim. - Investigation and Initial Offer
Chubb will review your claim and provide an initial settlement offer. Unfortunately, this offer may often fall short of covering your total losses, including medical expenses, lost income, and other damages. - Negotiation
If the initial proposal is insufficient, you have the right to negotiate. At this stage, hiring a personal injury attorney is invaluable. An attorney can strengthen your case by gathering evidence, presenting it effectively, and pushing for a more appropriate settlement amount. - Mediation and Arbitration
If negotiations reach an impasse, mediation or arbitration may be the next step. Mediation involves a neutral third party who guides both sides toward a mutually beneficial agreement, while arbitration places the final decision in the hands of an impartial arbitrator. Both processes aim to avoid the expense and time of going to court. - Trial
If a fair resolution remains elusive, you may need to proceed to trial. A skilled personal injury lawyer will present a compelling case, demonstrating why Chubb should fully compensate you for all related losses.
Why Chubb May Deny or Reduce Claims
Like many insurance companies, Chubb often aims to minimize payouts. Common reasons for reducing or denying claims include:
- Allegations of policy violations
- Disputes regarding fault
- Claims that certain medical treatments were unwarranted or unrelated
- Undervaluing the extent of damages
Successfully navigating these challenges is far easier with an experienced personal injury attorney who understands Chubb’s claim-handling tactics.
Accidents and Injuries Commonly Covered by Chubb
Chubb provides coverage for a wide range of incidents, such as:
- Auto collisions
- Truck accidents
- Slip and fall incidents
- Bicycle and pedestrian accidents
- Dog bites
These scenarios often lead to serious injuries including spinal cord damage, traumatic brain injuries, fractures, and internal harm. Victims may also face extensive medical bills, lost wages, and emotional distress, making the pursuit of full compensation essential.
The Importance of Evidence and Establishing Fault
Proving fault is critical in any personal injury claim. Collecting strong evidence—police reports, photos, witness statements, and detailed medical records—bolsters your case. In California, you typically have two years from the date of the injury to file a claim, so taking prompt action is essential.
How Krolikowski Law Firm Can Help
At Krolikowski Law Firm, our Los Angeles-based personal injury attorneys have experience handling claims against insurers like Chubb. From filing your claim and negotiating a fair settlement to guiding you through mediation, arbitration, or representing you in court, we are prepared to protect your interests and pursue the compensation you need for a full and fair recovery.
Contact Us Today
If you’ve been injured and are facing obstacles in your claim against Chubb, reach out to Krolikowski Law Firm for a free consultation. Let our dedicated legal team guide you every step of the way and work tirelessly to achieve the best possible outcome for your case.