Insurance Coverage:

Question: What should I do in Ontario if my insurer is delaying or offering too little for my claim?

Answer: If your insurer is declining, delaying, or offering too little in Ontario, Access Ontario Legal Services can help by reviewing your policy language and denial or settlement rationale, identifying coverage issues and evidence gaps, and preparing clear next steps so you can respond effectively from a paralegal-led, claims-focused approach.   This can include organizing your documentation, helping you understand common disputes like misrepresentation or indemnity limitations, and supporting faster resolution before you sign releases that may reduce your options later.   For prompt guidance on your specific situation, call (905) 302-1851 to get started today.

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Troubled Insurance Relations

Standing up to fight against an insurance company requires specialty knowledge that helps to equalize the power imbalance that otherwise exists whereas an insurance company has the deep pocket financial resources to hire lawyers, forensic experts, among others, along with the internal staff that understands the applicable insurance principles and relevant legal statutes.  These resources provide the insurance company with a significant advantage just when the insured bringing a claim needs help. Professional legal representations provides you with the David that you need in such a David v. Goliath situation.

Note: Please contact Access Ontario Legal Services by phone at: (905) 302-1851 to discuss any specific questions that you may have.

Professional Assistance For Your Situation May Be Needed If:

• Your insurance company is declining your claim;
• Your insurance company is offering to pay too little for 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.