Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jun 11, 2019

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The Chubb Insurance Group began in 1882 as a marine underwriting business in the seaport area of New York City, founded by a father and son team with a $100,000 investment.

The Chubb family always emphasized quality over quantity, ignoring the business’s size in favor of fair practices and good policies. The Chubb Corporation was formed in 1964 and began trading on the New York Exchange in 1984.

Today, the Chubb Company operates in 27 countries around the world and employs over 10,000 people.

Chubb insurance is sold through a network of 8,500 independent agents worldwide, and is the 11th largest property and casualty insurance company in America with annual revenues of over $14 billion and headquarters in Warren, New Jersey.

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CHUBB Auto Insurance Review and Ratings

Chubb’s attention to integrity and customer service has paid dividends for the company. Chubb is one of only a small group of insurance companies in the USA to have achieved A.M. Best’s highest rating for financial stability for a consistent 75 years.

Further, the company receives high ratings from Standard & Poor’s and Moody’s, some of the most trusted financial assessment groups in the world.

Chubb has garnered awards in customer service and employee satisfaction, as well. In 2007, Chubb was named “Best Admitted Property/Casualty Insurance Company” in the “Business Insurance” survey for that year.

In addition, Chubb was listed in 2010 as one of Chicago’s “Top 5 Best Places to Work.”

About Chubb Auto Insurance Coverage

For customers, Chubb Insurance offers a wide variety of products and methods of dealing with the company, in order to meet varied consumer needs. Chubb Insurance provides business with professional liability insurance, property and casualty coverage, risk and loss management solutions, and international insurance coverage.

For individuals, Chubb provides automobile, home, personal property and watercraft insurance.

Chubb’s automobile coverage offers a wide range of policy options, including some not usually offered by other companies.

With “Masterpiece” coverage, Chubb can insure your vehicle for full replacement value, rather than depreciated value, and offer you rental car protection based on the car you were driving; if you drive a mid-sized sedan, Chubb will ensure that your rental vehicle is a similar-sized car, all for the same low price.

Chubb also takes auto insurance claims seriously, and offers top-end protection if your car is damaged in an accident. You will receive “agreed value” if your car is totaled, and up to $5,500 in loss of use coverage.

Chubb does not depreciate parts and allows you to choose your own repair shop without arguments or hassles. Chubb also endorses the use of “original equipment manufacturer” (OEM) parts, rather than after-market replacements.

Chubb also offers a special line of collector car insurance. Collector car insurance is always based on agreed value, so your antique or restored vehicle will be paid for without question in the event you have to file a claim.

Chubb also offers some of the highest liability and uninsured motorist limits in the industry. Understanding that the purpose of these policies is to protect you in the event of a lawsuit, Chubb allows you to carry up to $10 million in liability and $1 million in uninsured motorist coverage

This will thoroughly protect your assets in the event of a suit. Chubb’s coverage is, of course, always subject to your state’s laws on liability and uninsured motorist limits.

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Chubb Auto Insurance Discounts

Chubb offers a variety of discounts tailored to the needs of its customers. Chubb offers a discount for bundling your auto and home insurance; for being a good student or taking driver training or defensive driving courses; for safety features on your vehicle such as air bags and anti-lock brakes, daytime running lights, and anti-theft devices; and for multi-car insurance policies.

Chubb also offers user-friendly features which make it easy to manage your insurance. With “Epolicy,” you can “go green” by having your statements and policy information emailed to you, and you can pay your bill and manage your account online at Chubb’s website.

Chubb allows customers several payment options, including online and by telephone (for a small fee). You can also file a claim online and view the progress of your claim using the company’s convenient website.

Chubb agents are independent brokers who represent the company through a network of private agencies. In order to find a Chubb agent near you, you can visit the website and search for a local agent.

Your Chubb agent will be able to explain the company’s offerings, available discounts, and how to manage your deductibles and limits to achieve a coverage plan that is right for you.

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