Selective Insurance Auto Accident Claims and Settlements

Selective Insurance is a regional insurance company that sells, among other things, both personal and commercial car insurance. At last count, they served 22 states, including Maryland. Car insurance customers, according to a JD Power study, seem mostly happy with their coverage. In accident claims dealing with Selective, at least in Maryland, the results are more mixed.

Last year, this insurer was fined $10,000 by the Maryland Insurance Administration for failing to include a fraud disclosure on Selective’s applications for insurance and its claim forms. But it is hard to make much of this, it is just a lack of technical compliance with a new law.

Selective Insurance tends to write larger than average insurance policies. Accordingly, there is likely to be more coverage when it insurers the defendant than with the average insurance company in Maryland.

Selective Insurance is owned by Selective Insurance Group which is a publically traded stock on the NASDAQ (SIGI). 

How Does Selective Insurance Value Injury Claims for Settlement Purposes?

Selective evaluates the accident victim’s medical records and bills and decides how much treatment it thinks was necessary for the accident and what the fair value is of (1) the medical treatment, (2) past or future wage loss and (3) the victim’s pain and suffering. Like most insurance companies, Selective typically undervalues all of these categories before a lawsuit is filed.

Who Are the Lawyers Who Defend Lawsuits Against Selective Insurance?

Selective has in-house counsel in Maryland (Joanne Dicus, who is universally considered a good lawyer) that handles many of the tort claims involving Selective or its insureds. For more significant cases where the verdict could potentially exceed the policy limits, Selective typically hires counsel to defend the suit. It certainly spends more money defending individual accident claims when they bring in outside counsel.

Selective has a lot of adjusters. We have seen Matt Karpovich, Donna Herbert, Chuck Chapman, Marie Hardwick, and Christie Noble as the claims adjuster in some of our more recent car and truck accident cases.  

Is Selective Insurance a Good Insurance Company to Bring a Claim Against?

Selective Insurance is hard to label with respect to quality of settlement offers in car accident cases. Our experience with its settlement offers is that they run the gambit from ridiculous to reasonable. We do think that the gap between fair and what Selective will offer narrows as the lawsuit process unfolds.

Big Verdict Against Selective Insurance

Selective is not letting many personal injury cases go to trial.  Selective never tried a lot of cases, but its last big verdict in 2015 reminded them of the risk of going to trial.   A 63-year-old man was following his son who was driving his son driving westbound on Nursery Road in Lusby near Route 4. Both vehicles stopped a stop sign. The son proceeded through the intersection. The defendant diver was coming northbound on Route 4 in a Ford F-550.  He was working a job assigned by Ameri-Star Homes.  The defendant driver fell asleep and veered across the highway and hit the man's car with such force that he was ejected from the vehicle. He did not die on impact (conscious pain and suffering) but was pronounced dead at Calvert Memorial Hospital.  The verdict was later reduced to $2.4 million consistent with Maryland's cap on damages.  

Our Lawyers Can Help You With Your Accident Claim Against Selective Insurance

If you have been seriously injured in a car accident call us at 800-553-8082 or get a free online Selective Insurance claim evaluation and consultation.

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