What to Do If Your Insurer Is Being Unfair
You pay your insurance premiums every month, but when it comes time to file a claim, the benefits you seemed to be entitled to are just not there. Lawyers see this all the time. As if personal injury, loss of wages, or loss of property is not enough, you must fight with every ounce of energy to be appropriately compensated. Believe it or not, the insurance company’s say is not the final word. You have various options to consider, such as filing a complaint, even if attempting to resolve a dispute with the insurer does not work.
First, the Insurance Bureau of Canada (IBC) says you can try getting more information from the company. Asking for information from an insurance agent, broker, or claims adjuster can help resolve misunderstandings. You can also speak to a claim supervisor or representative of the company. After all, you signed a legal contract when you signed on with the insurance policy. The rights and responsibilities of both parties are explained in the contract, but talking to an agent or representative can help resolve any misunderstandings, even if they are on the part of the insurer.
Taking Your Insurance Complaint a Step Further
The IBC Consumer Information Centre offers resources to help with your insurance disputes. It employs professionals who can help explain the technical details of your policy. They are also familiar with how insurance companies handle claims. If you feel a personal injury claim is not being handled properly, the centre can help you get started with a complaint and guide you through appealing the insurance company’s decision.
Try going through your insurance company’s dispute resolution process by contacting their ombudsperson and clearly stating your concerns and expectations. They will need all the relevant documents and information to investigate the matter and provide an answer. It may take the insurer some time to get back to you. Be patient, and keep records of all the conversations had and individuals you talk to.
If the company doesn’t resolve the issue, request a final position letter and contact the General Insurance OmbudService. This independent consumer dispute resolution system employs provincially incorporated insurers who can impartially resolve claims-related matters. The Superintendent of Insurance, at the federal or provincial level, can address your dispute as well.
The Financial Services Commission of Ontario (FSCO) can review your compliant if you think the insurer has violated Ontario’s Insurance Act. You can submit an Insurance Business Activity Complaint Form, which is provided on the commission’s website. Its process for filing a complaint is clearly laid out. First, you need a letter from the insurance company’s complaint officer, stating the final position of the insurer, and then write to the independent ombuds service listed in the letter. Include all the pertinent details and state why you disagree with the company’s decision. You can write the letter yourself, but personal injury lawyers in Hamilton are equipped to do that as well.
If you do not agree with your insurance company’s decision, our personal injury lawyers can help you file a complaint. Familiar with the process and experienced at helping clients win their cases, the Mackesy Smye law firm can boost your chances of success. Our team will get you through the claim process and manage the documentation and communications with all relevant parties.
Contact us for a free consultation, and we will address your personal injury law needs and any disputes with the insurance company.
Contact us for a confidential insurance related legal consultation. Fill in the secure online contact form, or simply call us at 1-905-525-2341 today.
Ontario requires all motorists to be insured, provided by insurance companies in the form of policies. After an accident, a policy provides coverage and benefits to motorists. Read this post to learn more about how the process works in Ontario and why your claim should be handled by an experienced lawyer.Read Article
Before you terminate an employee’s contract, do you have just cause for the termination and can you prove it? A court of law will need you to prove that the termination was justified and you have not acted unlawfully, or you will have to compensate the employee for wrongful dismissal - read this article and learn more.Read Article
In almost all car accidents, you must prove who was responsible. While it may seem obvious, just saying so isn’t enough for insurance companies. By supporting your side of the story, you can make an argument to your insurer to seek maximum compensation. Read this post to learn more.Read Article
As the temperature gets warmer, many Canadians begin to make travel plans for their summer vacations.Read Article
The foremost question in a customer's mind when buying car insurance is “how much will it cost?” Of course, that is an important question, but it is not the only important question.Read Article
Accidents happen. That is, and always has been, a fact of life. When an accident happens to drivers and passengers of motorcycles, some pretty serious injuries can occur. Everyone knows this. And accidents don’t just happen to “other people”Read Article