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

Question: What should I do if my insurance company in Ontario denied, undervalued, or delayed my claim?

Answer: PKM Legal Services provides paralegal services for Ontario insurance disputes by reviewing your policy and denial reasons, organizing evidence and timelines, preparing demand and settlement documents, and helping you respond to insurer requests so you can pursue fair payment through the claims and dispute process.  If you’re asked to sign a release or provide sworn Proof of Loss materials, PKM Legal Services can help you understand what you’re agreeing to before you finalize anything.

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 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.