You’re driving down King Street in downtown Charleston, or maybe you’re headed home on I-526 after a long day in Mount Pleasant, when out of nowhere an accident occurs. The other driver hands you their insurance card, and you see the name: Chubb.
You’ve probably heard of Chubb Insurance. They’re known for insuring high-end vehicles and well-off policyholders. But when it comes to actually getting paid after an accident, you might find that their claims process isn’t quite as smooth as their branding suggests.
Here’s what to know if you’re filing (or defending against) a Chubb auto accident claim in South Carolina, and how Ted Law Firm can help you fight for the compensation you deserve.
First, What Is Chubb Insurance?
Chubb is one of the largest property and casualty insurers in the world. They insure:
- Personal vehicles (especially high-value or luxury cars)
- Commercial fleets and company cars
- Policies with high-limit umbrella coverage
- High-net-worth individuals and executives
If you were hit by a corporate vehicle in West Ashley or rear-ended by someone with a $100K Tesla near North Charleston Coliseum, there’s a decent chance Chubb is involved.
What Happens When You File a Claim With Chubb?
If you’re a Chubb customer, or the accident was caused by someone who is, you’ll need to go through their official claims process. Here’s what that usually looks like:
1. Filing the Claim
You can file online, by phone, or through the Chubb mobile app. You’ll need:
- Names and contact info for all involved
- Details about the accident (time, location, what happened)
- Police report, if available
- Photos of the scene and damage
2. Claim Assignment
A Chubb adjuster will be assigned to your file. They’ll begin investigating the details of the crash sometimes in great detail if injuries are involved.
3. Vehicle and Injury Review
Chubb may:
- Schedule a vehicle inspection or request repair estimates
- Request medical records or even IME (independent medical exams)
- Interview you, the other driver, or witnesses
4. Settlement Offer
Eventually, Chubb may offer a settlement. And here’s where things get tricky: that offer might not reflect the real value of your injuries or losses.
What Makes Chubb Auto Claims Challenging?
Even though Chubb is known for premium service, their claims department often operates like any other big insurance company—focused on limiting payouts.
Common roadblocks:
- Delays in processing, especially if liability is disputed
- Lowball offers for pain and suffering
- Denials of coverage over policy technicalities
- Pushing blame onto you, even when fault seems clear
- Underestimating long-term medical costs
If your accident involved serious injuries—whiplash, concussion, fractures—or you’re missing work due to recovery, you can’t afford to accept the first number they throw at you.
Real Talk: What Can You Actually Be Compensated For?
Whether you’re filing a third-party claim against a Chubb-insured driver or you’re the policyholder yourself, here’s what your claim could include:
- ER visits, surgeries, hospital stays
- Chiropractic care, rehab, and physical therapy
- Future medical treatment and follow-up care
- Lost income
- Loss of earning ability (if you can’t return to the same job)
- Pain and suffering
- Vehicle repair or replacement
- Emotional distress, PTSD, or anxiety following the crash
If the Chubb-insured driver was drunk, distracted, or driving aggressively, you may also be entitled to punitive damages under South Carolina law.
Locations Where We’ve Seen Chubb Claims Happen
We’ve helped clients in accidents near:
- Ravenel Bridge, where fast traffic and merging often cause collisions
- Savannah Highway, where delivery trucks are common
- Ashley River Road, especially during tourist season
- Summerville and Goose Creek, where high-speed rear-end accidents often involve commercial or company-insured drivers
In many of these cases, Chubb or another luxury/commercial insurer is on the other end of the claim. We know their strategies, and how to beat them.
When to Call a Lawyer (Spoiler: Sooner Is Better)
Here’s when it’s smart to get Ted Law Firm involved:
- You’ve been seriously injured
- You’re dealing with lost income or mounting medical bills
- You’re getting conflicting stories or delayed responses from Chubb
- You received a settlement offer that feels low
- There’s a question about fault
- You were hit by a business vehicle or fleet car
The longer you wait, the harder it can be to build a strong claim. Evidence can be lost, statements can get twisted, and time limits (statutes of limitation) start ticking.
How Ted Law Firm Can Help
We’ve handled dozens of car accident claims involving Chubb and other major insurers, and we know what it takes to win.
Here’s what you get with us:
- We manage the entire claims process, so you don’t have to fight alone
- We collect police reports, photos, records, and expert input
- We build a strong case for maximum compensation
- We negotiate fiercely—and take it to court if needed
- You don’t pay unless we win
Get a Free Consultation—No Pressure, Just Real Answers
If you’ve been in an accident involving Chubb Insurance, don’t sign or settle too soon. Let us review your case for free and give you honest, local advice. At Ted Law Firm, we proudly serve clients across all of South Carolina and Georgia including Charleston, Greenville, Columbia, Myrtle Beach, and Atlanta. No matter where you are in either state, we’re here to help. And remember: you don’t pay a dime unless we win your case. There’s no risk just experienced support from a team you can trust. You’re in good hands with Ted Law Firm.
Attorney Ted Sink, founder of The Ted Law Firm, is a Yale, Stanford Business School, and Charleston School of Law graduate and former marketing executive who built a 7-figure law practice, earning millions for his clients. With experience in both law and advertising, Ted has been recognized in Forbes, Entrepreneur, and the ABA Journal. He speaks at industry conferences on marketing and law firm management, sharing insights from his unique background to help other firms grow. When not working, Ted enjoys traveling, diving, and dog-sitting golden retrievers.
