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Zurich: Auto Accident Claims and Settlements

Zurich Insurance is based, not surprisingly, in Zurich, Switzerland. This insurance Goliath, founded in 1872, now employs over 60,000 people in more than 180 countries, including nearly 10,000 employees in North America (a company aptly named Zurich in North America).

Zurich has market share in Maryland accident cases because it owns Farmers Group, which owns 21st Century which was AIG's auto insurance division, renamed 21st Century Insurance to remove the taint of the AIG name. Zurich also owns Bristol West Insurance Group, a car insurance company that began in Florida but is now making market inroads throughout the country.

Accordingly, lawyers see - directly and indirectly - a lot of Zurich in Maryland accident claims, and are seeing even more of its subsidiary Farmers. Our accident lawyers handle claims against Farmers and Zurich in Maryland and, in severe injury and death cases, throughout the country.

Who Defends Lawsuits Against Zurich?

Zurich has in-house counsel in Maryland in Owings Mills, a firm called Krause, Fizer, Crogan, and Lopez. This law firm is going to get the majority of Zurich accident cases in Maryland.

Zurich is also a big fan of using Cybersettle to resolve claims. We don't think Cybersettle is going to net a quality settlement and don't use them.

In truck accident cases, you can expect them to turn to Andrew Stephenson and his firm, Franklin & Prokopik.

Is Zurich a Good Defendant to Draw in a Personal Injury Case?

Zurich seems more reasonable in commercial truck accident cases than its vassal Farmers in car crash claims. Our lawyers also generally think that in more serious personal injury accident cases, Zurich does not get serious about a settlement until just before trial.

November 2016 Update: This paragraph seems antiquated now. Zurich seems to have had a change of heart from its Chubb-style reasonableness in the last few years. Today, Zurich is still better than State Farm or Allstate -- but not much better.

Sample Maryland Cases Involving Zurich

Here are a few Maryland settlements and verdicts involving Zurich Insurance. Please keep in mind these are not representative results you can just carry over to your personal injury case. Your claim may be valued differently than these even if the facts are similar. Why? Because these summaries cannot possibly provide all of the relevant facts - and the weight of those facts. That said, verdicts can sometimes be used as a guide to understanding better the value of your case and how Zurich values cases.

  • 2015: $1.5 Million Maryland Settlement: Decedent is hit on the side of the road after suffering a flat tire. Miller & Zois handled this case.
  • 2013: $820,000 Maryland Settlement. Plaintiff is struck head-on by a commercial truck. Plaintiff is airlifted from Frederick to the University of Maryland Medical Center in Baltimore. He suffers a host of injuries, including serious breaks to his arm and his hip. Miller & Zois handled this case.
  • 2011: $41,966 Maryland Verdict – Plaintiff, a bus driver in her 50s, is on the job returning the children to their homes when she is rear ended, causing her to lose control and travel to the other side of the road. Plaintiff claims the impact jarred her and caused a lower back injury. Plaintiff denies any prior existing pain but argues that if she had pre-existing degenerative disc disease, it was asymptomatic before the collision. Plaintiff is seen at the emergency room, follows up with physical therapy, and eventually undergoes epidural injections for the pain. She is assigned a 9% permanent partial disability rating to her lower back. Plaintiff files suit against the driver and his employer, a tree expert company, alleging that Defendant driver fell asleep while driving, causing the accident. Defendant does not admit negligence for the accident and further argues that Plaintiff was not injured, that she had a pre-existing degenerative disc disease. Plaintiff is awarded economic damages of $13,966, as well as an additional $28,000 for non-economic damages.

One thing that stands out when you look at reported verdicts with Zurich: there are not a lot of them. This means Zurich is not taking many cases to trial. So even today you can expect Zurich to get more serious about a settlement as a case gets closer to trial. But trying to reach an early out-of-court settlement with Zurich in a serious injury or wrongful death case for a reasonable value is going to be unlikely.

Our Lawyers Can Help You with Your Accident Claim Against Zurich

Our firm has handled scores of auto accident claims involving 21st Century Insurance, Farmers, and Zurich. If you have been injured in an automobile accident in Maryland or Washington D.C., and you have a question about your claim or wish to file a lawsuit, call our Maryland car accident attorneys at 800-553-8082 or click here for a free consultation.

More Information on Dealing with Zurich
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They quite literally worked as hard as if not harder than the doctors to save our lives. Terry Waldron
Ron helped me find a clear path that ended with my foot healing and a settlement that was much more than I hope for. Aaron Johnson
Hopefully I won't need it again but if I do, I have definitely found my lawyer for life and I would definitely recommend this office to anyone! Bridget Stevens
The last case I referred to them settled for $1.2 million. John Selinger
I am so grateful that I was lucky to pick Miller & Zois. Maggie Lauer
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