News & opinion Secrets of Zurich Insurance Claims EXPOSED

Secrets of Zurich Insurance Claims EXPOSED

Zurich Insurance Claim Attorneys

Zurich Insurance started in—you guessed it— Zurich, Switzerland, back in 1872. Now, the company has spread throughout the world and has thousands of people working in the United States for Zurich North America.

While providing auto policies itself, Zurich also owns Farmers, which is a leading auto insurance provider in the United States. Together, these companies insure many consumer and commercial vehicle owners across the country.

If you’re in a crash, you may need to file a claim with Zurich North America.

While Farmers is notorious for some questionable practices when it comes to handling auto insurance claims, Zurich can also prove difficult to deal with! After all, this company didn’t become a worldwide corporate giant by being nice to consumers… at least, not those who came to it with claims.

Opening a claim with Zurich doesn’t have to be a lost cause. By seeking help from the right law firm, you can relieve yourself of the stress of dealing with this company and increase your chances of a positive result!

We are 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, for free, 24 hours a day, seven days a week, at 800-898-4877, or CONTACT US NOW by [CLICKING HERE] to submit your case for review.


When an insurance adjuster calls you and tells you they’ll handle your claim, you have no reason to believe otherwise. When they ask you questions, you may think the answers will help them make a decision regarding your claims. This would make sense, and it’s true to some degree, though not in the way you may expect.

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!

These companies use a software program called Colossus. When the adjuster gathers information, they enter it into Colossus, which takes in numerous factors and spits out a settlement offer. This means a person is not making a subjective decision based on your conversations and your expression of your pain and suffering. Instead, a program is treating your claim like a bunch of data.

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.


Even though adjusters are not solely making the determinations of what to offer, they still have the task of collecting as much information as possible from you and also convincing you to accept a lowball offer.

To achieve this, they often try to gain your trust by convincing you that they are on your side. You may hear lines like:

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

These all-too-common comments are simply NOT TRUE.

The adjuster’s main focus is NOT to help you; it’s to get information from you that they can then use to limit your claim. Adjusters also usually do not have the discretionary power to “make sure” you get a high offer. Finally, while adjusters make lawyers out as the bad guys, a lawyer’s interests actually align with yours. A personal injury lawyer only gets paid when you do—so it is in OUR best interests to protect YOURS!


Commercial truck accidents can result in extremely serious, devastating injuries and overwhelming losses. That’s why commercial trucking companies are required to carry substantial insurance coverage, and you 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. Of course, you can’t bet on this situation, so you need a lawyer who can evaluate how an adjuster is handling each specific case. This is ESPECIALLY important for truck accident claims, since victims often have so much on the line!


Filing an insurance claim may seem like a straightforward process. After all, a negligent driver caused you injury, so that driver’s insurance company should have to pay, 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 executives’ bottom line.

At the very beginning of your claim, you can take one important step to make things easier on yourself: call a personal injury attorney.

Our attorneys can handle the following and so much more:

  • Calculate the estimated value of your claim
  • Gather evidence to strengthen your case
  • Communicate and follow up with the adjuster
  • Help increase an offer from Colossus
  • Advise you when you have received an insufficient settlement
  • Negotiate higher offers
  • File a lawsuit when the offer remains too low

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 it’s our job to!

Our Zurich Insurance Claims Attorneys Can Help You!

The legal team of Stewart J. Guss, Injury Accident Lawyers, regularly help 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 adjusters work, and we’re ready to go head-to-head with these companies for our clients.

There’s just too much to lose when you risk handling a claim without the right representation.

Our legal team has protected the rights of car and truck accident victims for more than 20 years—from Zurich and every other major insurance company in the country. 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 Zurich Insurance, call our office at 800-898-4877 or contact us now by CLICKING HERE for your FREE consultation today. Help is at your fingertips!

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