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

Question: How can a paralegal in Ontario help if my insurance company denied, delayed, or undervalued my claim?

Answer: Hall Paralegal Services provides Ontario paralegal services to help you respond to wrongful denials, settlement undervaluations, bad-faith delays, coverage disputes, broker or agent errors, and unfair policy changes by organizing evidence, drafting demand and dispute correspondence, reviewing release terms before you sign, and guiding required sworn documents such as Proof of Loss.  If the insurer still won’t resolve the matter fairly, Hall Paralegal Services can help you prepare next-step options and referrals as needed based on the type of insurance issue and where the dispute must be handled in Ontario.

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.

Your Situation May Need Professional Assistance If:

• Your insurance company wrongfully denied a claim;
• Your insurance company undervalued your claim;
• Your insurance company delayed your claim in bad faith;
• Your insurance broker failed to fully review your coverage needs;
• Your agent failed to arrange adequate coverage resulting in an underinsured loss; or
• Your coverage terms such as premiums or deductibles unjustly changed.

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.