Insurance Coverage: The Protection of Policyholder Rights During Disputes With Insurers

Question: How can a paralegal in Ontario help if my insurance company denies, delays, or lowballs my claim?

Answer: Hall Paralegal Services provides Ontario paralegal services to help you respond to an insurer’s denial, delay, or underpayment by reviewing the policy and claim file, organizing evidence, communicating with the adjuster, preparing sworn Proof of Loss materials, and checking settlement releases before you sign.   If needed, Hall Paralegal Services can also help you document bad-faith handling concerns and guide the next steps within applicable Ontario dispute-resolution or court processes.

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.

You May Need Professional Insurance Law Representation 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.