Brampton personal injury lawyers know that insurance is something that people purchase for their peace of mind and security. People buy life, car, travel, disability, property, critical illness etc insurance policies knowing that when the need arises, they are protected and covered against loss. They pay premiums regularly, in the hope that if they are suddenly injured, suffer property damage, loss or theft, or they die, they and their loved ones can receive compensation.

When confronted with circumstances beyond their control, people have some degree of comfort knowing that their financial risks and responsibilities can be minimized. This is the basic premise upon which they purchase insurance.

However, in many cases, insurance companies may deny or dispute your claim. It’s not necessary that you accept their evaluation. In such circumstances, you can attempt to resolve the issue through discussions and negotiations with your insurers, failing which you can contact the nearest personal injury lawyer in Brampton for assistance, advice and advocacy.

Insurers May Not Always Act In Good Faith

In the aftermath of an accident, when you or a dear one has suffered serious injuries, your focus would be on getting the right medical treatment, ensuring that the injured person is comfortable and managing the myriad physical, financial and emotional consequences of the mishap.

Most people generally have a good relationship with their insurance companies and the agency/agent through which they purchased their insurance plan. However, when it comes to making a payout, clients realize that insurance-companies are ultimately for-profit organizations and their focus is on protecting their own business bottom-line rather than the customer’s best interests.

Your insurance company may disagree with the claims you have made about loss of wages/income/earning-capacity, medical and rehabilitation expenses, pain and suffering, nature and extent of the injuries and their impact on your life, and these could be in contradiction to what is contained in your policy.

The company may try to compel you to accept a meager settlement, give you the impression that your claim is weak and will not stand in court, or that the legal process is long and outcomes are uncertain.

Many companies can adopt a variety of tactics to gain confidential information from you or your relatives, conduct investigations into your private life, track you on social media, get you to sign away your rights, provide submissions and permissions to access private data etc.

However, the insurance company’s decision is by no means the final word. Our experienced Brampton car accident lawyers and Brampton slip and fall injury lawyers can provide more information on how to deal with such situations.

Resolving A Dispute

There are several steps that can be adopted to resolve disputes with your insurance company. In Ontario, these disputes can be placed before the Dispute Resolution Services branch of the Financial Services Commission of Ontario.

Mediation, neutral evaluation, arbitration, appeal, variation/revocation etc are various steps that can be gone through when attempting to resolve a dispute. In case their decision remains final, it’s important to get a final position letter from the insurer stating this.

Our experienced personal injury lawyers can help you file a complaint with the Insurance Bureau of Canada’s consumer information center.