There are many auto insurers with customers in Pittsburgh, including Zurich Insurance Group. Whether you hold a policy with the carrier or one of their insured drivers injured you, Zurich could be responsible for paying your damages after an accident.
The process of filing Zurich Insurance accident claims in Pittsburgh can be complicated, especially when liability is disputed. Any insurance company will always put its own interests first, and any mistakes in the claims process could be used against you. That is why you may want to work with a Pittsburgh car accident lawyer from Berger and Green after an accident.
There Are Options When It Comes to Filing a Claim with Zurich Insurance
You have more than one way to file a claim with Zurich Insurance. As with most insurance companies, you can file a claim on the Zurich website. Filing your claim online is one of the fastest methods of initiating the claims process.
You also have the option to notify the company of your claim in writing through the mail, or you can file by phone. All of these options are viable after a vehicle crash.
If you were injured in an accident that a Zurich-insured driver caused, or if Zurich is your insurance provider, you may find yourself filing a claim with this company. In either case, you may want to have the guidance of an attorney as you pursue monetary benefits after an accident.
For a free legal consultation, call 412-661-1400
Zurich Relies on Complex Software When Evaluating Auto Claims
While some insurance companies value car accident injury claims on a case-by-case basis, some carriers make these calculations using computer programs. Many insurance companies – including Zurich Insurance – rely on a software program known as Colossus. Colossus measures a broad range of factors before relying on that data to estimate the value of an accident.
The problem with relying on software for this important purpose is that a computer cannot always consider every aspect of a vehicle accident. This is especially true in cases where liability is disputed.
An attorney could help you push back on an unfair valuation made by the Colossus program. Insurance companies are not bound by these estimates, and aggressive negotiation could force the insurer to raise their settlement offer.
Insurance Adjusters Are Not on Your Side
When you deal with insurance adjusters who work for Zurich, you might be caught off guard by how friendly they are. These adjusters may seem genuinely concerned with your injuries and offer to help you process your claim. But the reality is that these insurance adjusters are employees of a company that wants to prevent you from securing the compensation you deserve.
Insurance adjusters can mislead you in a variety of ways. They may tell you that you shouldn’t hire an attorney by claiming they can help maximize your settlement offer. Adjusters know that when you try to resolve an insurance claim on your own, you are more likely to settle for less than you need or deserve.
Your attorney could deal with the insurance company so you don’t have to. They could not only serve as your advocate, but also help you pursue fair compensation.
The Circumstances of Your Accident Will Impact Your Potential Compensation
Pennsylvania is a modified no-fault state (75 Pa. C.S.A. § 1705), which can impact the type of insurance claim you are entitled to pursue. In most cases, the law requires you to file an insurance claim on your own policy after an accident for your medical bills up to the limit of coverage you had selected. Likewise, if you have an income loss claim and you have that coverage on your policy, the first level of claim coverage will be with your own insurer.
The good news is that you could be entitled to sue the other party responsible for your accident in some cases, especially if you were seriously injured or if you have full tort insurance coverage.
Working with an attorney could help ensure that you understand your legal options before pursuing a civil lawsuit.
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Contact Berger and Green Before Filing a Car Accident Claim with Zurich Insurance
If you have suffered an injury in a car accident in Pittsburgh and an involved driver has a policy with Zurich Insurance Group, this company could play a role in the amount of compensation you receive.
If you are ready to learn more about Zurich insurance accident claims in Pittsburgh, our firm is here to help. The attorneys of Berger and Green are ready to help you pursue your claim and pursue financial recovery. Call (412) 661-1400 as soon as possible to receive a free consultation. We have more than 40 years of experience and are ready to help you seek justice.