Zurich Property & Casualty Insurance

Zurich Property & Casualty Insurance

 3.7/5 (83 reviews)
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Page 3 Reviews 40 - 240
Verified Reviewer
Original review: Feb. 9, 2015

Denying my pain medications without a medical license -- Stopping pain medication that I have been taking since 2006 is giving me severe withdrawals that could end in death. I had to pay for a partial amount of my meds. I can't afford to pay for them anymore, the only income I have coming in is my disability check that doesn't even pay my bills that come in. It's either pay my mortgage and food or my medications. I have a attorney, but he has done nothing for me. I am in desperate need of an aggressive attorney. I need help fast please, before I do something that will hurt my family and myself, I should not be going through this. I need help please before it's too late!!!

21 people found this review helpful
Verified Reviewer
Original review: Dec. 26, 2014

I was injured at John Chirsterson trucking out of Oklahoma, the company made us buy Zurich accident policy! I ripped my rotor cuff up dropping a trailer on March 15, 2013. They kept giving me doctor offices that wouldn't see me. After many tries, one take me. Dr. Says I need a MRI it was two weeks before they approved that. My surgery wasn't approved till May 20, 2013, had surgery and Drs. say I'll never drive again. All this time they're not paying me my disability then I get a check in a few months here and there! I was lied to cheated, abused, harassed broke, in sever pain. Finally they barraged so bad I had a mental break down and was in the hospital for a week in May 2014. Now they're paying every month but I still have to go to Dr. Every month!

When Zurich insurance calls you after you get hurt, they call and act like your friend, they ask you a bunch of question to find your weakness. Mine was being single, in pain and not a soul in the world to help me and a Evil insurance company! So I became a victim of Zurich Insurance! I feel that Zurich insurance is try's to get you so desperate that you'll have a total breakdown or kill yourself! I don't know how these people can do a job where they care so little about people! I told them I hope they get hurt and have Zurich insurance, that sure pissed them off! Zurich Ins SUCKS!!!

47 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Dec. 12, 2014

July 28, 2011 I was injured at work. Zurich N.A. is the carrier that my employer has to screw over its employees. The injury is to my left knee and leg and low back. It was caused by a faulty board used to cross an open trench. This resulted in my falling straight down into trench and forward 90 just above my knee cap. According to a fellow worker there was an audible sound of cracking and in his words the sight of my leg bending that far in the opposite direction was sickening for him to to see. I went to the ER and after about an hour I was told I needed surgery and that I could be admitted and have the knee scoped and repaired as soon as they got the approval to proceed. Being from Houston I opted to return home and have a second opinion but also to be home where I could recoup at home. I opted to be a company man and allow Zurich's so called nurse case mgr. recommend a Dr. and arrange the appt.

Well after he saw the knee he diagnosed the same thing and to my surprise the Zurich ghoul in the room with me asked if the Dr. would try PT first. His expression was one of (hey who's the Dr. here). Well I returned 3x's to his office for PT but it was never approved (a tactic that had become a never ending ploy). The adjuster actually called and told me my benefits were being stopped since I was not complying to Dr. orders (another scumbag tactic used by these evil people). It was at this point I went to the workers comp commission to protect myself. I was told I could get my own Dr. which I did immediately. This Dr. too said surgery was needed and sent forth the request for approval. Well it is Zurich's practice to lose, misplace, or just ignore this paperwork. And after 3 months Zurich requested I see a Designated Dr. who by law in TX carries presumptive weight. In other words he is the law.

Well this guy (Nestor **) said I was indeed in need of surgery but that until it was approved I could work??? A decision that later resulted in his being fined and disciplined for having signed off on this document. This action for which I strongly believe was done for under the table cash resulted in my benefits being stopped. This in turn resulted in me losing everything I owned. Because now Zurich held all the cards and again lost, misplaced, and/or just ignored the request for treatment from my Dr. This went on until I contacted my congressman who got their attention. So on 2/12/12 I got the 1st surgery done. Having walked on this leg for over 6 months resulted in more damage to the cartilage and ligaments. Upon awakening from surgery I was informed that I would now need another surgery because Zurich had stalled this long, not to mention I am still not receiving a paycheck and became homeless (thanks Zurich). Finally in August of 2012 Zurich was forced to render back pay up to date.

In the meantime again I am forced walk around on an unrepaired leg causing what, MORE DAMAGE! Resulting ultimately in a 2nd surgery that didn't occur until 2/13/2013. Again the Dr told me that my knee was still not stable and I will now need a whole knee replacement. Thanks Zurich for ruining a man's life. I have now applied for SSID and medicare (at 49 yrs old). This insurance company deserves to collapse. I love golf and Zurich holds a tournament in New Orleans each year. If you have read this entire story I would ask you to please watch said tourney AND PLEASE PLEASE TAKE NOTE OF WHAT COMPANIES HAVE COMMERCIALS DURING THE TV BROADCAST AND DON'T BUY THEIR PRODUCTS. Please send a message to the advertisers that if you want to support evil insurance companies you will not buy their products. It's the only way to hurt such deep pockets.

45 people found this review helpful
Verified Reviewer
Original review: July 18, 2014

My wife slipped on a wet floor in our hotel room on our honeymoon. We asked 3 times for the leak to be addressed and the water cleaned up. The carpet was wet. My wife then stepped onto tile floor and slipped, injuring her back. Taken by ambulance to the hospital and upon return to the hotel, we were locked out of our room! My wife was in horrible pain, and all of our belongings were being held hostage! Got security to let us in to get personal items and then refused to relocate to another room until morning. My wife spent the remainder of our honeymoon in bed. Could not return early as She could not sit for any length of time.

The hotel claimed negligence. Referred us to Zurich for settlement. The trip we saved for a year to take was ruined. We get no customer service. Calls are not returned. The associates blatantly lie. The claims adjusters keep asking for information that has no bearing on the claim. They work hard to avoid their customers. They obviously have no intention of paying. But we will fight as long as we have to. They don't care about their customers or the injuries they sustained, even when the hotel admits they made a mistake! They want medical records from doctors BEFORE the incident happened! My private medical records are none of their concern! Stop jerking us around, Laura ** and Pay UP!!

20 people found this review helpful
Verified Reviewer
Original review: May 30, 2014

The worst customer service ever. The worst claim agents, ever. The supervisors to the claim agents, not concerned with their customer service. The manager in charge of the claim agent I was assigned said I was "Harassing" her... which is a strange word to use when attempting to deal with customers.

26 people found this review helpful
Verified Reviewer
Original review: April 26, 2014

Movers brought a refrigerator ordered from Sears. Gouged our newly-painted wall and dragged the fridge across newly-installed hardwood floor until I told them to stop. Got in touch with the insurance agent which was Zurich. They sent an adjuster. Showed him the floor and pictures of floor. Received a letter of rejection before the adjuster submitted his findings. Called manager, Dan **, and he told me I was rejected because the movers denied they did it. That's all it took - a denial by movers. What's the point of proof? Be careful. Never will order from Sears. Will always check if Zurich is the insurer.

10 people found this review helpful
Verified Reviewer
Original review: April 6, 2014

My mom got hurt at her job in 2010. We got a lawyer so he can help us... Well, like a year ago, Zurich tried to close the case giving my mom 5000 dollars. She has lower back injury. I been trying to talk to her adjuster. Her name is Vicky and the 2 times I talk to her, she was rude and so mean. Since a month ago I been calling them and seems like I will keep trying because nobody is able to help me.

35 people found this review helpful
Verified Reviewer
Original review: March 11, 2014

In March 2013, I was sent to the company Dr. due to severe pain in the right elbow. Quick diagnosis, without films (X-rays, MRI, etc.) by a Nurse Practitioner was "tennis elbow" caused by repetitious activity/job. She gave me NSAIDs and a steroid, "light duty" plus physical therapy. This lasted until May. I started seeing an Orthopedic Surgeon. He ordered X-rays only. His answer the first time was a Cortisone shot. The next visit in June. My elbow still hurt. BAD! He then told me he would like to try a PRP injection. Whatever, I didn't care.

Here I've sat with this injury, I've been in PAIN and I can't get any relief but he still has to get an okay from Zurich. In latter June or early July, I believe I receive this shot. And very painful. I go back in 4 weeks, then 6. He says I should have another injection. In August 2013 I see him and he says I should probably have 2 more injections. They have to get approval from Zurich. In October 2013 I was in so much pain in BOTH arms the only relief I could get was by lying down with my arms stretched out. I called the Ortho and asked about the status of my next injection... Someone had forgotten to do their job either on the Dr's end or Zurich's end. No matter what I was in pain and suffering.

Zurich then sent me to a Dr. out of town. I had been fighting to get a NCV and apparently this Dr. on their side was going to see if I actually needed it. After the exam he did in fact believe I needed one. REALLY!?! However, it wasn't until after he had the NCV done that I realized he wasn't worried about my elbows. He was only looking for one thing and that was Carpal Tunnel Syndrome. The NCV was only conducted UP TO my elbows not my shoulders. He told me I had CTS in my LEFT hand and I needed surgery. Okay.... my elbow? I said to him, "Don't you think the pain in the elbows would be Cubital Tunnel?" He kind of looked at me in fright and mumbled about the ulnar nerve.

Needless to say I had the surgery and I am in pain from IT AND MY ELBOWS! The CTS should have been the last thing he looked at since my chief complaint has been my elbows for a year. Zurich, just because you are a w/c insurance company doesn't mean you can do this to people. Because of this situation getting worse, and it's because of you not being on top of the situation, I've lost my drive, I'm depressed, and I doubt I'll have the use of my left hand the way I should.

17 people found this review helpful
Verified Reviewer
Original review: Jan. 29, 2014

Since my injury August 1, 2012 (neck injury), I have been subjected to unreasonable and very unprofessional business practices. I was not paid until November 2012 and have been just about every month since been made to wait for payment for one ridiculous reason or another. My physician didn't put down icd9 code, He dated the bottom of disability statement but not the top, Your doctor didn't leave his phone number, etc., etc. They sent me to a CS claims doctor 12/13 for his evaluation which was held in a storage room of a doctor's office which consisted of about seven questions and a request to lift my arms above my head... That was it! They are now trying to deny my claim based on his evaluation. I am scheduled to have surgery 2/19/14 for the same injury. Although they have all of my medical records and multiple NYU surgeons stating I am injured they still need a statement from my doctors to agree or disagree with their doctor, which means I have to starve until. Because of Zurich I have been evicted, lost my cellphone account and more importantly have been unable to help support my children.

31 people found this review helpful
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Verified Reviewer
Original review: Dec. 28, 2013

Truckers Occ. Acc. Insurance NO SSI NO long Term Coverage. Been disabled since May 2012, took 8 months to prove to Zurich my multiple torn tendons and hip injury was not an infectious disease. Took 8 months to get Zurich to approve an MRI to diagnose and get treatment. I have 4 months left and I am pretty sure the doctor said I will be disabled. Very bad injury. Now Zurich says if I am not eligible for Social Security disability their insurance does not cover me. Zurich also forbids the claimant to work for two years denying any possibility of even being qualified for SS disability if your score is low. But Zurich also states if you have OTHER types of insurance their policy will not cover. I bought this to protect me and I was paying for a policy that they knew would not cover me when issued. IS THIS FRAUD. I also have never received a legal binding explanation of the contract. The one they do provide is not legal and it states it in the contract?

13 people found this review helpful
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Verified Reviewer
Original review: Dec. 16, 2013

I will mention this other surgery my attorney knew was denied by ZURICH and when I told him that I was contacted by the surgeon's office a week ago saying it was authorized by the IC and the adjuster sent the purchase order <--- that's what it feels like being tossed around between doctors and second opinions so I scheduled it for next week.. Let me add they take x-rays every 6 weeks and sometimes another MRI one week later. In my opinion after researching the "WC Bad Faith Element" Zurich has disregarded for the law. My attorney should be one of the first to know any mention of my case and what's going on and not going on.

I do know that they didn't like when he was putting the heat on them a while back. They didn't do anything except drag every request right till a few days day before the hearing that they were sure would force them to authorize the tests or services, but they did what they set out to do, dragging it on another 4 to 6 months. Every time one delay ended another began. I have had 3 surgeries in 5 months. After Zurich used their best tactics to delay one doctor request after another finally 5 years later they authorize surgery but one month after they send ME a notice stating "we are liable for your injury claim but the statute of limitations has passed so we regret to inform you we can not pay you disability benefits."

18 people found this review helpful
Verified Reviewer
Original review: Nov. 6, 2013

I was injured at work.on 10.01.2013 in Ohio. My claim adjuster, Jenifer ** in NJ did not answer the phone. She refuse to pay for emergency room, hospital bill, doctor bill, orthopedic MRI and maybe surgery. She work against her company. Because cost of medical treatment is bigger.

15 people found this review helpful
Original review: Oct. 24, 2013

I have Zurich occupational accident insurance. I am a small woman and I pull flatbed. I was injured while hooking up a transformer to the crane and reported what happened as soon as I could get to my phone. I had to have surgery a week after accident and I am having a problem with my claims adjuster. I'm not asking for a fortune here just what it cost for the operation to repair what was torn in my body. Zurich is dragging their feet, I'm not sure why... If you have Zurich insurance please get something else. I trusted that I would be ok if I got hurt and that is and was not the case. I had to go back to work four days after operation because I was not being offered anything. ** if anyone wants to help me.

16 people found this review helpful
Verified Reviewer
Original review: July 12, 2013

First doctor misdiagnosed and gave Advil or whatever. This caused my 6 or so torn tendons NOT to heal. But it took Zurich 8 months to allow MRI while trying to cancel my policy the whole time by lying, improper deadlines, inaccurate documents, and stopped paying disability over two months thinking I would go away. Finally got them to change claim agent and they said I am more damaged because I was refused treatment and finally started paying bills after a year. I had no bad credit until Zurich. Now I will be not going back to work as recommended by my doctor. ANYONE ever collect DISABILITY from Zurich? Can you force lump sum? I can go back to work in less strenuous capacity?

11 people found this review helpful
Original review: July 11, 2013

I need help to show the lawyer/landlord (Zurich) representative (NGFK) have no cause... The landlord's representatives' unreasonable attempts to impede the work being performed under a valid permit illustrate the landlord's continued obstruction of my client's efforts to complete the build-out. The landlord's claim that the building systems had to be shut off was explicitly refuted by the fire department and is a clear example of intent to interference in order to avoid payment of the allowance.

I am very confident that if this matter ends up in litigation, the court will not only order the landlord to disburse the allowance in accordance with my June 26 letter, but will also award my client its attorney fees. At the end of the day, this is a case of a tenant going out of pocket to make improvements to the landlord's property as contemplated by the lease, based on plans that were approved. There is no monetary default of the lease, there is no material non-monetary default of the lease, and your client has no damages. I do not see a Fairfax County Judge sticking my client with the bill because the landlord did not approve of the way the tenant went about constructing the improvements. Accordingly, your client may want to reconsider its improper withholding of the allowance.

If your client wants to engage in a constructive resolution of this matter, I am prepared to work with you to get you what you need to authorize the disbursement. You will have to be more specific than final working drawings because, as I understand it, the scope of the work has not veered from the initial approved drawings except for minor cosmetic changes. If, on the other hand, you are telling me that my client will not receive the allowance regardless of what we do going forward, then my client will have no choice but to file.

Unlawful detainer summons by landlord representative - after being served with a notice to quit (vacate, leave) for non-payment of rent or other breach of lease, or being a "squatter" on the property. Such possession entitles the owner to file a lawsuit for "unlawful detainer," asking for possession by court order, unpaid rent and damages. It's a legal action to evict a tenant or other occupier of real property in possession, without a legal right, to declare a breach of lease, and/or a judgment for unpaid rent and other damages.

2 people found this review helpful
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Verified Reviewer
Original review: April 16, 2013

I was injured on 11/28/11. If anyone worked for Paschall and paid Occupational Accident Insurance to Zurich, you probably have big problems! My email address is **. Please contact me. Maybe we can help each other. I just requested from Zurich the wage statements for the 12 weeks they used to calculate my benefits. They sent me 9 weeks! Also, I sat down and did the math. I found 2 weeks where they deducted hundreds of dollars for fuel surcharge that were mistakes. I went back to work in May 2012 to December 2012 for a new company, but my back was hurting so badly I had to go back on this crappy disability. On page 14 of the policy, it states that if you return to work for 6 months or more, it is considered a new claim.

Last week I brought this to their attention in writing because that would entitle me to 36 more therapy visits and the 104 weeks would have to start over from December. Miss Beth ** (case manager for Paschall) said she did not believe I would be eligible. When I asked why, she said their legal department was reviewing it. I didn't even know about the 6 month clause until I had an attorney look over the policy. They classified me as an owner/operator, would only entitle you to 33% of 70% minus fuel surcharge. Had they classified me as a contract driver, it would have been 75%.

A friend at Paschall, who started the same week I did (same truck, same contract, same everything), laid the truck on its side and was injured. He is getting the 75%. I don't understand. We both had the same red freightliner from Quality. Same everything! Because I have stirred up trouble by writing and requesting reviews of wages, etc., they have started to write my doctors and imply that I should be back to work by now, and request reports which is ridiculous because I am going on Friday for the 4th spinal block after that surgery. Please email me if you have similar problems.

11 people found this review helpful
Original review: April 1, 2013

My husband was an owner/operator truck driver who was leased to a company. He had to pay Zurich weekly for coverage. He was in a single vehicle accident in August of 2011. Zurich is still paying his doctor bills as of April 2013. We have not received a check since December 2012! He saw an IME, who said he's fine. Never mind the other 2 specialists that he is seeing are still treating him and he is not released to work. Every month a supplemental disability form is submitted. The drs have sent in IME responses, repeatedly, which James ** says aren't responses. He won't even return our calls concerning our claim. We are being very unfairly treated.

If IME report is correct and he's fine (he's not fine. Nerve damage), why are they paying the doctor bills? No one will hire him and shouldn't when the doctors won't release him to work. But they won't pay us. We are literally starving! Zurich does not care! I strongly advise against anyone ever using this company! They are liars, but they keep getting away with what they are doing! Someone help! They seriously need to be accountable! Our daughters, myself nor my husband has done any wrong (except pay them for years). It is time for them to pay now!

12 people found this review helpful
Original review: March 27, 2013

I was injured on the job while a contract truck driver. My company made all contract drivers purchase independent injury insurance from Zurich. However, when you get injured, you get the runaround. I have severe lower and upper back injury. I was going to the ortho doctor they recommended for 1 year, trying to figure out what all my symptoms are - numbness of the feet and toes, and legs giving out on me causing me to fall. After this doctor told them I am totally disabled, they sent me to another independent ortho surgeon and he told me that there is no way I can work again, which means Zurich has to pay me until age 70.

I am 56, so they make every excuse why not to pay me. It is a fight every month. I have lost property because of this. Credit is ruined. It is literally driving me crazy. You do what they say, then they change their minds and say something else. All I want is what is due me. What I was made to pay for. I have proof of their lies. Where do I go from here? I contacted a workman's comp attorney, but not workman's comp independent personal injury policy.

16 people found this review helpful
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Verified Reviewer
Original review: Feb. 5, 2013

They have tried every trick to try to cancel my policy. They refuse to cover procedures to determine your injury e.g. MRI. In the meantime, you can die as a result of their spending all their time trying to cancel your policy and refusing to cover treatment. It took almost six months for them to try to cancel my policy, refuse payment and refuse procedures to diagnose my problem. I have walked around on two torn hamstrings for over six months before they discovered they could not cancel my policy and then still continued to refuse a MRI, which was needed to diagnose my injury. I could be crippled and confined to a wheelchair and bed because of this. So far we are now waiting to schedule surgery on both legs, or just the one that is significantly torn. This kind of pain I have endured needlessly has led to many people committing suicide and Zurich just tries to cancel your policy.

For example, it is now Feb. 5th 2013. The last disability check I received was for November of 2012 and payment was so late I received it in January of 2013. No check has been received for December whatsoever. So many lies recorded and accounting and date errors. Cancel your policy ASAP and go with a company that is not associated with Zurich. Zurich runs under many different highly advertised Insurance names. Beware. I now have to file again with the (DOI) Department of Insurance in Indiana and have obtained a lawyer. Get an attorney lined up because it is very hard to find an attorney who will take a case against Zurich. Due to their horrendous crimes in the past, I highly believe these people are run by organized crime. I mean, what insurance company asks without permission when you die for the mortuary to peel off your skin and sell it to medical research, profiting off their client’s death? Google it. They received a mammoth fine - over 150 million, I believe. Please Google it to verify the information; it is easy to find.

18 people found this review helpful
Verified Reviewer
Original review: July 7, 2012

While staying at Extended Stay Hotel in Roanoke Virginia, I had a Rolex and a diamond ring taken from my room on April18th. When the police investigated, they found out from the hotel that a master key was made by a password that the Hotel management cannot provide to police who had the password or key. This key had entered my room at 8:45 am and exited my room at 8:48 am. When they turned it over to their insurance, they refused to pay the claim based on a Virginia law that they said I should have kept it in the hotel safe. Since the front desk is closed from 11 pm to 7 am, that was a little hard to do.

When my attorney finally got their letter, what it didn't include is the rest of the law which states if hotel management or any affiliate is responsible, the previous case law does not apply. I plan on filing a formal complaint when I get to Atlanta next week with the state insurance licensing board. Maybe if other people will do the same, they will be forced to fly right or close up shop. I will take this as far as I can. They also asked my attorney to ask me to stop writing bad reviews on web sites on this hotel. My attorney advised until this is settled to put the pressure on. Believe me, I will.

14 people found this review helpful
Original review: June 16, 2012

Zurich Insurance is no good, low down and rotten as hell! I am not able to say a lot. But Zurich is and will pay for what they have done to my life. And everybody that touched my case will reap what they sow, and if they don't, their children will pay for their doings. And from experience, in the interim of dealing with them in my worker's comp. matter, I lost a child, and did they care? Hell, no. I just want my remaining worker's comp. impairment benefits. If it weren't for God on my side, I probably would have lost my house, but God knows and sees everything. So, when you get or have a claim with them, hire lawyers and put their ** on the 6 and 10 o'clock and worldwide news. Because I just got with somebody that will help me and show the world the dirt and rotten people they are. Watch!

26 people found this review helpful
Original review: April 10, 2012

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.

9 people found this review helpful
Original review: Nov. 1, 2010

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.

23 people found this review helpful
Original review: Aug. 23, 2010

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!

10 people found this review helpful
Original review: May 30, 2010

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.

6 people found this review helpful
Original review: May 15, 2008

A Course of Construction Policy was issued for the property located at 6823 E. Avenida El Alba, Paradise Valley, AZ 85253 with an annual policy term beginning 5/8/07 and ending 5/8/08. A Certificate of Occupancy was issued on 12/12/07 as all construction on the home is complete. A cancellation on the Course of Construction policy was then requested with a cancellation date effective 12/12/07 and a copy of the Certificate of Occupancy was provided to Zurich Insurance.

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.

2 people found this review helpful
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Zurich Property & Casualty Insurance Company Information

Company Name:
Zurich Property & Casualty Insurance
Year Founded:
1400 American Lane Tower 2 Floor 5
Postal Code:
United States