When you get into an accident or are brought
into disrepute or danger in any way and you file a claim with your insurance
company, you would naturally expect them to accept your claim to cover the
costs of damage. That is, after all, the very reason why you bought insurance
in the first place. In some cases, however, it is not always easy and you may
find that the insurance company can either undervalue, under-pay, delay, or
even completely deny payment of your claim without proper reason or warning.
Toronto insurance defense lawyers can defend your interests when you are faced
with any issues relating to your insurance coverage.
Insurance defense attorneys are highly
specialized in the practice of insurance defense law. They have extensive
experience in numerous areas of insurance claims and disputes, such as the
following:
●
Personal injury
●
Health insurance claims
●
Homeowner claims
●
Condominium insurance claims
●
Automotive disputes
●
Insurance fraud
●
Construction insurance claims
●
Property damage
●
Product liability
●
Professional liability insurance
claims
●
Malpractice insurance claims
●
Insurance coverage disputes
●
Insurance class action defense
●
Cybersecurity and data privacy
●
Life insurance claims
●
Disability insurance claims
●
Bad faith claims
There are many different types of insurance
and each may cover very different types of claims which will warrant their own
types of disputes, depending on the way that the claims are paid or denied.
Usually insurance companies provide common reasons for denying insurance
claims:
●
Your claim is not covered by your
policy
●
Coverage has lapsed for the time
period specified in the claim
●
Missing or incorrect information
within the claim
●
Your claim is perceived to be
false, lacks legal merit, or is made in bad faith
●
Related costs are considered
excessive or unnecessary
To avoid these issues, it’s advisable to
carefully read all aspects of your insurance policy and to make sure that you fully understand your
coverage and claims before purchasing any kind of insurance policy.
Practice Group Lawyers
In some cases, insurance disputes can be
resolved by filing an appeal or working things out with an insurance
representative. If your dispute cannot be settled in any of these ways, then
you will need an experienced defense attorney to negotiate your position and, if
necessary, take the claim or dispute to a court of law.
Many people passively accept denials of their
insurance claims without question because they don’t want to go through the
bother of appealing, negotiating and, possibly, litigating their case. This is
why some people have the wise sense to consult with an experienced insurance
attorney even before a claim is denied in order to avoid any possible denial.
As soon as you see these warning signs, make
it a point to consult with an insurance defense lawyer immediately:
●
The insurance company tells you
that your claim has been transferred to a “special investigation unit”
●
You have been asked to attend an
“Examination Under Oath”
●
Your claim remains unresolved
after 6 months or more
●
You notice that the insurance
adjuster is asking you too many questions and/or asking for too many documents
●
You feel that the insurance
adjuster is showing cautious distrust and is suggesting or insinuating
A claim denial can be very disappointing and
frustrating and going head to head with your insurance company for any type of
dispute can be scary and intimidating. No doubt your insurance company will
have their attorneys working for them. It would benefit you a lot if you have
your own attorney fighting on your side. Toronto insurance defense lawyers
understand the twist and turns of the claims process and are experienced in the
courtroom and will take appropriate steps to protect your rights and, possibly,
hopefully, change the outcome of your case.
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