How to get Lost Wages from Chubb after an Accident

Chubb Corp is one of the world’s largest insurance providers for individual and commercial property owners. If you’ve been injured in an accident that was caused by someone else, there’s a good chance you will need to file an insurance claim with Chubb. This is a crucial step in the recovery of your losses, which include lost wages if your injuries caused you to take time off from work. Unfortunately, many people are unjustly denied the benefits they deserve, leaving them to ask, “Does Chubb have pay for your lost wages if I miss work after an accident?”

If another party’s negligence caused you harm and suffering, compensation is available to you in the form of medical expenses, pain and suffering, property damage, and of course, lost income. If you’re having a hard time accessing these benefits, or feel overwhelmed by the insurance claims process, our lawyers are here for you. Contact our office to schedule a free case evaluation.

How can I Prove that I am Entitled to Lost Wages?

To prove a case for lost wages, you will need to show that your accident created physical and/or emotional injuries, which caused you to have missed time off at work. You will need to collect evidence to support your claim, which can be done through various forms of paperwork.

What documentation do I have to show to get lost wages compensation from Chubb?

You will need a combination of documents to establish your medical condition, as well as the amount of income you were earning prior to being injured. The following documents should be helpful in both of these areas:

• Medical records from doctors and therapists
• Pay stubs or a wage statement from your job
• W2, or another type of tax form you receive from your employer
• Previous year’s tax returns

In the case of long-term or serious injuries, testimony from a medical expert and occupational expert may be necessary. For example, if you have permanent health complications, you may be forced to work part-time or take a lower paying job. These experts can support a claim for lost earning potential and the wages, raises, bonuses, etc., that you will lose out on throughout your life. We work closely with these experts on behalf of accident victims just like you. For more information on your rights and legal options, don’t hesitate to give us a call.

Will Chubb Reimburse me for Sick and Vacations Days I had to use after my Accident?

Your salary or hourly rate is not the only thing that matters when it comes to a lost wages claim with Chubb. Most employees receive PTO (paid time off) from their employer, typically in the form of sick, vacation, and personal days. This time is meant to be used at your discretion, but what if you were forced to use them due to your medical needs right after your accident?

It’s likely that Chubb will try to deny you reimbursement for these benefits. As they see it, you haven’t really lost anything since you were paid for this time by your employer. That logic is flawed, however, since your PTO was taken from you by another party’s careless or reckless conduct. Because of that, you can no longer dip into these benefits if you have a personal or family emergency in the future. You have the right to seek compensation for these benefits, which fall into the category of lost income.

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Can I get Lost Wages if I’m an Independent Contractor?

Yes, you can ask to be reimbursed for income that you’ve lost after an accident if you are self-employed. We have worked with many freelancers and gig workers throughout the years, and know what it takes to succeed in a case for lost income. These cases are somewhat challenging to prove, as incomes tend to fluctuate for self-employed individuals. However, the following documents can be used to demonstrate your losses:

• Proof of jobs / assignments you were unable to complete
• Invoices and contracts to show your earnings before your accident
• Tax forms – 1099s, for example
• Income tax returns
• Statements from bank accounts
• Statements from online payment systems, like PayPal

Depending on what you do for a living, there may be other forms of evidence that can be used. To ensure that you have a strong and solid case for lost wages, please take some time to speak with one of our attorneys.

What are my Rights if Chubb has Denied my Claim for Lost Wages?

As frustrating as it is, we can assure you that claim denials are very common with insurance companies like Chubb. Of course, there are legitimate reasons for rejecting a claimant’s request – missing information, lack of evidence, and false information are the most common causes of denied payments. However, insurance companies can also act in bad faith to deny you compensation that you are entitled to.

Why is Chubb refusing to pay for my lost wages?

These companies are based on profits, and not paying you or tricking you into a low settlement is the best way to stay profitable. That’s why you should never believe an insurance adjuster when they tell you that they are on your side. In reality, these people are fishing for information that can be used against you. They can also mislead you on your rights as an accident victim by saying things like:

• You have a limited time to accept their offer, or it’s off the table forever.
• They cannot proceed with your claim unless you give a recorded statement (under no circumstance should you agree to this; instead, contact a lawyer right away).
• They can only pay so much on your case based on the policy limits (ask for a copy of the policy terms and have it reviewed by an attorney).
• They don’t have to pay for medical treatments and missed time from work that was covered by your healthcare provider / employer.
• According to their investigation, you could not have sustained such serious injuries from the accident.

It’s easy to get emotional when you are speaking with an insurance adjuster, but there’s no need to deal with these games when you have an experienced lawyer by your side. We can handle all communications with Chubb and negotiate a settlement that reflects the value of your losses.

Can I sue Chubb for refusing to pay for my lost wages?

If you’ve done some research on this topic, you may have come across the term “insurance bad faith lawsuits.” These are legal actions that are filed against an insurance company when they use fraudulent or deceptive practices to deny you payment on an accident claim. Acts of bad faith can include stall tactics to drag out the claims process or misleading you on the policy terms, which is a common ploy to trick you into a low settlement offer. However, an insurance company may be slow to get back to you or deny you payment for reasons that are perfectly legitimate. Thus, you should always consult an attorney to make sure that the insurance company is acting in bad faith.

Keep in mind that most claimants with attorneys do not have to resort to a lawsuit. Chubb is aware that we know the insurance laws inside and out, and they are less likely to give us the runaround when it comes to a lost wages claim. To learn more about the ways we can assist you, contact our law firm at your earliest convenience.

Help – I need a Second Opinion on my Injury Claim with Chubb!

Many accident victims end up with attorneys that they are not happy with, and much of it has to do with lack of communication or lack of progress towards a settlement. But some people just need verification that the information they’re receiving from their lawyer is accurate. You have every right to seek a second opinion on your case, which we can do for you during a one-on-one consultation. Whether you have questions about average case values or how long it takes to settle an accident claim, we can assist you with our many years of experience in personal injury law. Statute of limitations, or how long you have to file an injury claim, is another source of confusion for many people. If your attorney has not provided you with clear answers to these questions, please contact us to schedule a free second opinion.

Zero Fee Guarantee for Accident Victims

Recovering from an accident is hard enough on its own, but it’s even worse when you are forced to fight an insurance company for basic necessities, like lost wages. The lawyers of Normandie have many years of success in the recovery of insurance settlements. We are not intimidated by these companies, and we will not back down until you receive maximum payment for your injuries.

Under the Zero fee guarantee, you won’t pay a dime throughout your entire case. We receive our costs directly from the party you are suing, and that won’t happen until you receive your settlement. Basically, we don’t make a cent unless you do, and if we don’t win you case, you won’t be responsible for any of our expenses. A lawyer experienced in lost wages claims is waiting to speak with you, so contact us today for a free case review.

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