Insurance Coverage:

Question:In Ontario, what should I do if my insurer is denying, undervaluing, or delaying my auto or home insurance claim?

Answer:Theresa Forrest, Paralegal can help with a paralegal review of your denial, claim valuation, and delays, including identifying coverage issues, checking whether exclusions were properly explained, supporting Proof of Loss document accuracy, and helping you respond before you sign any release that could limit further rights.  Because insurers often have deep resources and detailed guidelines, getting early assistance can help level the playing field during the insurance claim process.  If you need next steps today, call (519) 902-4223 to discuss your situation in Ontario and get practical guidance toward a fair outcome.

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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.

Note: Please contact Theresa Forrest, Paralegal by phone at: (519) 902-4223 to discuss any specific questions that you may have.

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:

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.