CHUBB Insurance: Accident Claims and Settlements

The Chubb Group of Insurance Companies started in 1882 writing insurance for ships and cargo. Today, it is a mammoth insurance company with 10,100 employees spread across multiple subsidiaries, including Great Northern Insurance Company, Federal Insurance Company, Vigilant Insurance Company, Pacific Indemnity Company and Northwestern Pacific Indemnity Company. 

Chubb is a small player in Maryland, with only 0.15% of the private automobile insurance market share, and only $5,314,571.00 in premiums written that year. In Maryland, our attorneys see Chubb more frequently in commercial car and truck accident cases, and product liability claims.

In 2015, Chubb was purchased by ACE, an international commercial insurer that has a presence in 54 countries. 

Settlement of Chubb Insurance Accident Claims

In dealing with Chubb/Great Northern Insurance Company/ACE, the conventional wisdom is that it is rare to get an acceptable pre-lawsuit settlement offer in automobile cases, and filing a lawsuit does not typically result in significantly better offers. 

Some lawyers have described Chubb's litigation strategy as "scorched earth," meaning that they will defend claims at all costs with no regard to expense. This means that, where the negligent driver was insured by Chubb, lawyers and plaintiffs can expect to take the case to trial.


Our experience, for whatever reason, has been different. We have had a lot of success reaching a settlement with Chubb before filing or shortly after filing a lawsuit. Of course, when Chubb or any insurance company is not being reasonable how much money they offer in a settlement, we are going to file a lawsuit and push to a jury trial unless Chubb sees the case differently as the lawsuit progresses. (Here is one old example that got national media attention when Chubb was unwilling to settle a claim with us after we made a reasonable demand.)

Often a lawsuit needs to be filed to maximize the value of your claim against a Chubb insured.

Many cases with Chubb in Maryland go into suit not necessarily because Chubb is being particularly unreasonable but because insurance companies want to take a closer look at the plaintiff - and, sometimes, the plaintiff's lawyers - in a serious injury case. 

This is particularly true in products liability cases. In these cases, Chubb's personal injury settlement process is the same as many other insurance companies. The are not adverse to a settlement, but they want to make sure they fully understand the claim before writing a big check. 

So, unfortunately, you have to sue Chubb insured to push the ball forward even in cases where settlement is ultimately likely. As lawyers in these cases, it is our job to put on the best case possible to show the real value of the claim to make settlement more palatable for Chubb.

Lawsuits Against Chubb

Chubb does not have in-house lawyers in Maryland, so it is required to hire outside counsel when lawsuits are filed against a Chubb insured. Chubb does a pretty good job of picking quality defense lawyers which leads to a lot of personal injury claims resolving after Chubb's lawyers get involved. We have seen a number of different lawyers handling Chubb Insurance cases over the years, including:

  • Saunders & Schmieler in Silver Spring, Maryland
  • Law Offices of Frank F. Daily in Hunt Valley, Maryland
  • Morgan, Shelsby, Carlo, Downs & Everton in Hunt Valley, Maryland
  • Goodell DeVries Leech & Dann in Baltimore, Maryland
  • Moore & Jackson in Towson, Maryland
Contacting Chubb Group of Insurance Companies

We have dealt with Chubb adjusters at the following addresses:

Chubb Group of Insurance Companies
600 Independence Parkway
Chesapeake, Virginia 23327


1801 K. Street, Suite 700
Washintgon, D.C. 20006


200 St. Paul Street, P1

Baltimore, Maryland 21202

Our Lawyers Can Help You With Your Accident Claim Against Chubb

Our law firm has fought and won against Chubb Insurance to obtain verdicts and favorable settlements against them. If you've been in an accident with a driver insured by Chubb, contact us at 800-553-8082 or online for a free consultation.

Automobile Insurance Companies: A ComparisonMore Information on Automobile Claims and LawsuitsInformation on Our Personal Injury Law Firm

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