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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.

This insurer provides insurance in 54 countries and employs approximately 31,000 people. Today, 40% of its business is outside the U.S. Like most insurance companies, it is very profitable. Chubb reported net income over $1.3 billion for the second quarter of 2017.

Chubb is a small player in car insurance 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. Chubb is now the world’s largest publicly traded property and casualty company in the world and has more market share than any other commercial insurer in the country.

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 lawyers' 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 for 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 particularly unreasonable but because insurance companies want to take a closer look at the plaintiff - and, sometimes, the plaintiff's lawyers - in a severe injury case.

This applies in particular in products liability cases. In these cases, Chubb's personal injury settlement process is the same as many other insurance companies. They are not averse 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 some 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
Chubb Verdicts & Settlements Below are sample verdicts and reported settlements from auto tort cases in which Chubb was the responsible insurance company.
  • Butner v Eley (Virginia 2018) $475,000: Decedent was a back-seat passenger on Route 32 in Isle of Wright. When her car stopped for a traffic light it was rear-ended by a large tractor trailer. Decedent sustained serious injuries in the accident and eventually died. Her estate brought a wrongful death suit. Chubb was the insurance company for the trucking company. Liability was not in dispute and Cubb agreed to pay $475,000 to settle the claim.
  • Jorgensen v Riley (Wisconsin 2016) $895,161: Plaintiff was driving through an intersection when defendant failed to yield and struck her on the side causing significant physical injuries. Plaintiff sued the defendant driver and also her own insurance company (Chubb) for UIM benefits in excess of the defendant’s policy limits. Jury awarded $895,161 which included $300,000 for pain and suffering. Liability for the damages was divided between defendant’s insurance company and plaintiff’s UIM insurer, Chubb.
  • McAlpine v Chubb (California 2010) $600,000: Plaintiff, 37-year-old female, was driving on a bridge when she was rear-ended by another vehicle at 35 mph. Plaintiff claimed she sustained permanent injury to her neck, shoulder and back with loss of nerve conduction and control in her right arm and hand. Injuries were confirmed by MRI. Plaintiff settled with the at-fault driver for policy limits of $100,000 and sought additional UIM damages from Chubb. Chubb disputed the severity of the injuries and the case went to arbitration where plaintiff was awarded $600,000.
  • Holbrook v Chubb (Indiana 2007) $465,000: Plaintiff was operating a motor vehicle in the course of his employment, when another vehicle rear ended him. Plaintiff claimed permanent injuries in the accident, including soft-tissue injuries to his spine and neck. Plaintiff settled with the at-fault driver for policy limits of $25,000 and then sought additional UIM damages under his employer’s insurance policy with Chubb. Chubb refused to pay the claim, arguing that plaintiff was contributorily negligent. The case went to trial and a jury awarded plaintiff $465,000.
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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The last case I referred to them settled for $1.2 million. John Selinger
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The entire team from the intake Samantha to the lawyer himself (Ron Miller) has been really approachable. Suzette Allen
The case settled and I got a lot more money than I expected. Ron even fought to reduce how much I owed in medical bills so I could get an even larger settlement. Nchedo Idahosa