Zurich North America

Workers compensation turned in to a sue or trail: I was injured in North Dakota. The company I worked for is in Minnesota. Zurich insurance is for worker's compensation. I have gone to the hearings, Zurich used black hand on my case like sabotaging my case. Then my case was denied. They followed me, harassing me and sabotaging my life. I'm from Texas. I tried to work in Texas and because of the pressure they put on me and my physical condition, it was hard to find a job. I tried to work, but then I was injured again. Zurich got into my Texas case again and I lost my case again. They keep following me everywhere I go and they keep sabotaging my life till this day.

I'm not working and it has already been 3 years. I have medical proof that I need surgery in both hands and they keep bothering me. There isn't anybody who could do something about it. Please, I need to keep on with my life. I have 2 kids that I have to look out for. If anything happens to me, I'm blaming directly Zurich because they want to make more harm than they really did to me and they keep making my life impossible. They have paid me nothing yet and keep bothering me. I really need somebody to take this Zurich insurance off my back. This is a very nasty insurance company.

I purchased an all inclusive bumper-to-bumper extended warranty for my vehicle. Upon needing it serviced, I am getting the run-around and they are trying to get out from under the warranty on minor repairs. Rather than authorizing repair work at a Chevy dealership, they are insisting on sending out an inspector which could take up to two days before work will begin. They are claiming that since I own my own business and my vehicle is in my company's name, then the warranty may be void. I am the sole driver of my vehicle and was previously told that the name it was registered under would not be an issue. I am without a vehicle for a minimum of 3 days for what should have been a one-day repair. I won't know if they are going to cover repairs for at least a day and a half. I may be out the $1990 I spent on the warranty with no coverage.

Zurich is a crooked insurance company because they usually send injured workers to the same doctors over and over. These blatantly crooked doctors write their false reports in heavy; favor of the insurance company. There is no way to win against them, then, Zurich uses the doctor's falsified reports to deny the injured-worker their rightful work/comp benefit checks.

I have a herniated-disc in my low back, a separation at the T-12 vertebrae in my neck, a urinary problem, all for a work/comp covered injury. They sent me to only one doctor who falsified his report unbelievably. I have a hospital MRI proving my herniated-disc, a catscan proving I hit my head, causing me bad headaches, etc. My attorney is selling me out too. You would not believe how dirty-crooked Florida attorneys are. It's shocking.

I would like to be in touch with other injured-workers being screwed over by Zurich American Insurance Company so we could be in touch and explore a class-action. I'm 63 and forced to live in my Dodge Van, parking it at my church each evening. I'm homeless because of Zurich illegally cutting off my benefit check last year, 2009.

While staying at the Aloft Hotel, Rosemont, Ill 60018, I discovered my partial denture was missing after coming into my room on Sunday night August 8, 2010. I immediately called the front desk and spoke to the on-duty Chris, and told him my denture, wrapped in a folded Kleenex tissue inside my make-up case with my glasses on top, was missing. I could only assume that while cleaning the vanity, housekeeping must have knocked my case over and it fell out and was inadvertently thrown out. He concurred and apologized and assured me he would pass on the information and management would contact me in the morning, which they did and filed a claim with Zurich Insurance.

Stacy ** contacted me by phone on August 10, 2010 and left a voice message and I was never able to reach her other than voice messages. Then April ** began contacting me thru voice messages, and again could not contact other than voice messaging, until today when I contacted a supervisor, Chris **, by voice message. I then received a 'live' call from April ** stating that the housekeeper does not recall throwing away any tissue in my room containing my denture; therefore they are going by her word as a longtime employee and not honoring the claim. I am not questioning her honesty, because I believe it was done unintentionally, therefore I believe a claim is warranted.

That's the reason for insurance is it not? Accident? I am not filing a frivolous claim as the denture in question was only 3 weeks old. I was not wearing it because it was new and it was irritating the area where my crown and another tooth were removed. I didn't have a case because my dentist told me to wear it to help with healing and fit, but it was hurting so bad that I had to remove it and I put it where I thought it would be safe, in my makeup case. I believe this claim should be honored. I don't believe the housekeeper is lying, why does Zurich Insurance think I am? This is what they implied!

I'm a private investigator who was paying monthly premiums for my liability insurance through Constanza Insurance out of Dallas, which is for Zurich North America. I reported child abuse to Child Protective Services on August 15, 2009 and then was hired to investigate the allegations by one of the child's parents. On October 16, 2009, the other parent sued me and three other people for interference of child custody, which included his ex-wife and ex-mother-in-law and another lady besides myself.

The case with his ex-wife began sometime back in June, which did not involve myself, as I had no knowledge at that time of any court action until this child ran away. We called CPS and the police, as required by the State Laws of Texas. The mother hired me to investigate the abuse allegation by her daughter, which I did. I was sued in October and in February, he dropped the suit at the beginning of February when we got the right to depose the abused child. I made a claim on my P.I. insurance liability.

James ** of Zurich-NA tried to claim that I was involved in the case in June, prior to my coverage. I got certified court documents to prove that I had no involvement of the case on June 2 and he claimed he would take another look at it and I have never heard from him again. So I sent a certified copy again to Zurich-NA. I want my claim paid, as I paid my premiums as I was supposed to and I expect them to cover me when I was sued in the course of my job. My coverage began in July and ended in November because I went to work for another investigation firm. I'm still covered by their insurance, which is through Costanza and through Zurich. They have yet to pay my claim and are just ignoring me.

My attorney fees are almost $20,000. My attorney responded to their suit with a Summary Judgement filing and the Judge has not ruled on it as of this date. I have had to sell my paid off Jeep Liberty to help pay my attorney's fees and all of the time I've spent having had to go to court and spend sometimes all day there for nothing, parking, meals and lose out on job assignments. My attorney has had to file for protective orders against the other lawyer because he continued to pursue me legally, even though he dropped the case. I had to get a part-time job with TSA and will start in June to be able to pay my attorney's fees.

This whole case has mentally and emotionally and financially drained me to the point that I no longer can work as a private investigator because I had to get a job that paid hourly to pay my attorney's fees, instead of getting investigation jobs as they come in. I did nothing wrong, I did not break the law, and I did not harass anyone. I was only paid $500 for my PI services to investigate child abuse and the other party and now I have a $20,000 bill for legal fees. I am paying $50 a month to pay it off until the Judge either rules on our Summary Judgement or Zurich pays the fees for my claim. Until then, I had to get an hourly wage job to pay the fees off and I'm unable to devote my full time to my private investigations job. I have also spent a lot of time and money sending these documents to Zurich, to go to the court house to get them and to pay to have them certified and copied and scanned and mailed.

Due to the Course of Construction Policy being paid in full for the annual term ending 5/8/08 and the Certificate of Occupancy issued 12/12/07 a credit would be owed for premium already paid from 12/12/07 to 5/8/08. Zurich Insurance is refusing to grant a credit and provide proof of cancellation as they claim a Certificate of Occupancy is not sufficient for the requested cancellation.

Denied coverage on Home Service Insurance #FA00004572 on a Maytag dishwasher DWU8270AAE which the servicer, American Service of Madison, Wi said could not be repaired because of a discontinued Tub which caused it to leak since Aug of 02 (4 service calls and $100 in deductibles). This Tub was referred to in Zurichs contract as a Bucket which they claimed is not covered unde a clause in my contract.

Maytag does NOT have a bucket in their parts list.

Webster's dictionaries do not describe a bucket that even resembles my TUB.

Yet Zurich will not cover because of their clause naming a part that even Maytag does not recognize.

I feel they should have dealt personally with the repair servicer as they don't take service people from Madison but rather call on people in this area to service their out of area service calls.

Zurich should have got another service center involved as this servicer could not resolve the problem permanently after 4 calls plus. It was fixed, parts replaced and then it happened again. Last time a gasket was removed, wiped off and reinstalled. Does anyone know what they are doing.

They won't replace, I paid the insurance for a year in good faith and I can't afford a new washer. I want mine fixed.

Zurich said they would send paper work to return my second $50 deductible as even though I was past the 90 days, it was the same problem and I had told the service man the first time that it would not start unless I leaned on it--he said he tested and it was ok.

I continued to push on the door to start and then when it leaked again and then they did replace the switch because I couldn't get it to start and it continued to leak they charged me another service call. I wouldn't have had that if he had repaired properly to begin with.

I feel the wording in their contract is incorrect and they should cover the tub. If unavailable they should replace my unit as that is why I pay insurance.

The servicer was told by Zurich to call 1-800-972-3202 if the repair was over $250

have no recourse and no dishwasher.