Zurich Property & Casualty Insurance

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!!!

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.

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!!

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.

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."

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.

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.

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!

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.

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.

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.

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 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.

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!

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.