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Insurance Coverage: The Protection of Policyholder Rights During Disputes With Insurers
Question: How can you handle a denied insurance claim in Canada?
Answer: When facing a denied insurance claim, it's crucial to understand your rights and the insurer's obligations. Insurance companies must operate with utmost good faith, yet sometimes claims are unjustly denied or delayed. Review your policy carefully, gather detailed evidence, and consider legal guidance to ensure a fair review. Professional assistance can help level the playing field against an insurer's resources and provide peace of mind during complex disputes. For support, reach out to seasoned legal practitioners who can navigate the intricacies of insurance claims on your behalf.
Troubled Insurance Relations
A legal fight against an insurance company requires special knowledge to help balance the playing field whereas an insurance company will have a large complement of personnel with understanding of the insurance guidelines, laws, regulations, and rules, in addition to the legal process and almost endlessly deep pockets. These strengths create a David v. Goliath type situation just when the insured person needs help the most; and accordingly, the assistance of professional legal representation helps to ensure that the little guy, being the insured, gets a fair fight against the insurer within the insurance claim process.
Professional Assistance For Your Situation May Be Needed If:
- Your insurer is wrongfully denying your claim;
- Your insurer is undervaluing your claim;
- Your insurer is delaying payment of your claim;
- Your agent or broker failed to adequately explain the coverage exclusions;
- Your insurance broker failed to arrange coverage resulting in an uninsured loss; or
- Your premiums or deductibles unjustly increased.
Common Issues Include:
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Even in situations where all is being well looked after by insurance coverage, assistance in reviewing the final settlement release documents may be available before signing-off of further claim rights.
Assistance may also be available in providing Commissioner of Oaths services to commission sworn declarations including the Proof of Loss documents that finalize the claims process.
