Secrets of Zurich Insurance Claims EXPOSED

Secrets of Zurich Insurance Claims EXPOSED

Zurich Insurance started in—you guessed it— Zurich, Switzerland, way back in 1872. Now the company has spread throughout the world, with thousands of employees working in the United States for the American Zurich Insurance Company. After an accident involving an American Zurich Insurance Company policyholder, the injured victim will likely file a Zurich claim to recover their losses from the responsible party.

In addition to providing auto policies itself, it may surprise you to find out that Zurich also owns Farmers Insurance, another leading auto insurance provider in the United States. Together, these companies insure many consumer and commercial vehicle owners across the country.

While Farmers is notorious for some questionable practices when it comes to handling auto insurance claims, Zurich can also be difficult to deal with. After all, this company didn’t become a worldwide corporate giant raking in over $4 billion dollars per year by being nice to consumers… at least, not those who file Zurich claims.

What Happens When You File a Zurich Claim?

If you get into a car crash, you may need to file a Zurich insurance claim here in North America. You may also encounter some obstacles in your path to recovery.

Filing a Zurich claim is complicated and may involve several hurdles, but it doesn’t have to be a lost cause. By seeking guidance and help from the right personal injury law firm, you can reduce the stress of dealing with this company and increase your chances of a positive result! Below we share some insider secrets regarding Zurich insurance claims, plus we discuss how a skilled car accident lawyer can help you maximize your settlement.

Stewart J. Guss, Injury Accident Lawyers is a national law firm based in Houston with multiple offices around the country. We also work with affiliate law firms in most states that share our focus and dedication to excellence. No matter where you are located, we may be able to help you, so call or contact us now. We are open 24 hours a day, seven days a week, at 800-898-4877, or contact us online to submit your case for review.


When a Zurich insurance adjuster calls you and tells you they’ll handle your claim, you have no reason to doubt them. When they ask questions, you may think the answers will help them make a decision regarding your claims. However, this is only partially true.

Zurich is one of the numerous insurance companies that doesn’t leave settlement determinations to the adjusters themselves. Instead, this insurance corporation leaves this huge responsibility up to computer software! Technology has evolved by leaps and bounds, but when it comes to helping accident victims recover from their injuries, we believe the final judgment should not be left up to a machine!

Unfortunately, the adjuster assigned to your case will use a software program called Colossus to resolve your Zurich insurance claim. When the adjuster gathers information, they enter it into Colossus, which analyzes numerous factors and spits out a settlement offer. This means a human is not making a subjective decision based on your conversations and your expression of your pain and suffering. Instead, a program is treating your Zurich claim like a bunch of data and code with no compassion or empathy for all you've been through.

Colossus does, however, consider whether you hired a lawyer to represent you. This can often increase your offer because the software considers the possibility of litigation and how much it will cost to dispute your Zurich claim.

Don’t get treated like just another claim number in the system. Team up with a dedicated car accident attorney who will fight for your rights and treat you with the patience, compassion, and respect you deserve. We’re here for you every step of the way.


Even though adjusters are not solely responsible for deciding what amount of money to offer you, they’re still tasked with collecting as much information as possible from you. It’s also their job to convince you to accept a lowball offer. To achieve this, they’ll often try to gain your trust and make you believe that they are on your side. You may hear rehearsed lines like:

  • “You don’t need a lawyer because we’re here to help you.”
  • “I’ll make sure that you get a high offer.”
  • “A lawyer will only take your money and complicate things.”

These all-too-common comments are simply not true.

The adjuster’s main focus is not to help you. On the contrary, their goal is to get information out of you that they can then use to limit or deny your Zurich claim and avoid paying you the money you need. Don't be fooled. Adjusters don’t have the discretionary power to “make sure” you get a high offer.

Finally, while adjusters try to cast lawyers in an unfavorable light, the truth is that your personal injury lawyer’s interests actually align with yours. Because we work for a contingency fee, injury lawyers only get paid when you do—so it is in our best interests to protect yours! Don’t fall for the manipulation and trickery of big insurance companies. Reach out for a free case evaluation from a car accident lawyer and learn more about your legal rights and options.


Commercial truck accidents often lead to devastating injuries and overwhelming financial losses. That’s why commercial trucking companies are required to carry substantial insurance coverage. You'd better believe that Zurich wants to protect its commercial customers. After all, these policyholders pay high premiums and often insure entire fleets of vehicles, so Zurich has a high interest in keeping their business.

Zurich may process commercial truck accident claims a bit differently than regular consumer auto accident claims. For example, Zurich may want to protect its clients from the costs of litigation whenever possible—so the threat of a lawsuit may give you greater leverage to obtain a higher offer.

Luckily, most claims settle out of court, but you can’t bet on receiving a fair settlement without a trial. So you need a lawyer who can evaluate how your adjuster is handling your specific Zurich claim. This is especially important for truck accident claims since victims often have so much at stake! In complicated cases like these, you don't need to go it alone. This brings us to our final secret...

Initially, filing a Zurich insurance claim may seem like a pretty straightforward process. After all, a negligent driver injured you, so that driver’s insurance company should have to pay, right?

If the at-fault driver was insured by the American Zurich Insurance Company, you just need to file a Zurich claim and wait for a fair settlement offer, right?

The frustrating truth is that claims are rarely that easy. Insurance companies don’t want to pay you what you deserve; they only care about their corporations' bottom line. They’ll do everything they can to contradict your claims, turning a simple event into a complicated ordeal.

At the very beginning of your Zurich claim, there’s one important step you can take to make things easier on yourself: partner with a personal injury attorney!

Our car accident attorneys can handle the following tasks and so much more:

  • Calculate the estimated value of your claim
  • Gather evidence to strengthen your case
  • Schedule appointments and coordinate the care you need
  • Communicate, negotiate, and follow up with the adjuster
  • Help increase an offer from Colossus
  • Advise you when you have received an insufficient settlement
  • Negotiate higher offers from Zurich
  • File a lawsuit when the offer remains too low
  • Fight for you in court, if necessary

For many people, a car accident marks the most devastating moment in their entire lives. Who needs the added hassle of arguing with an insurance company? Do yourself a favor and hire an attorney. You may not know how much money you can get from your Zurich accident claim, but we can figure it out together!

Our Zurich Insurance Claims Attorneys Can Help You!

The experienced legal team of Stewart J. Guss, Injury Accident Lawyers, regularly helps clients with insurance claims—whether it is a relatively straightforward car accident claim or a highly complex trucking accident claim. We know how Colossus and Zurich claim adjusters work, and we’re ready to go head-to-head with these companies to protect our clients.

When you risk handling a claim without the best representation, you and your family could lose everything. Don’t fall prey to tricky insurance companies.

Our legal team has protected the rights of car and truck accident victims for more than 20 years. We have successfully resolved Zurich claims and cases with every other major insurance company in the country. We are dedicated to helping you make a full recovery and getting your life back on track. Because we take all of our personal injury cases on a contingency fee basis, you will not owe us a DIME unless we win your case.

If you were injured in a crash and are stuck dealing with American Zurich Insurance Company, call our office at 800-898-4877 or contact us now online for your FREE consultation today. Help is at your fingertips!