Car Insurance Claims FAQs

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Updated June 13, 2024

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Car Insurance Claims: FAQs

How Do I Fight an Insurance Company?

The insurance industry is governed by the Ministry of Finance regulates insurance services through the Financial Services Commission of Ontario (FSCO), which licenses and regulates insurers. Insurance disputes center on the interpretation of the insurance agreement. Relevant legislation and regulations can make the claims process complicated.

Your insurance company may try to lowball you after an accident, but you don’t have to take their first offer. If you feel like the insurance company is not giving you a fair settlement, you can hire a lawyer to negotiate on your behalf. An experienced auto insurance Ottawa lawyer will know how to deal with the insurance company and get you the best possible settlement.

What if My Insurance Company Denies My Claim?

If your insurance company denies your claim, you can hire a lawyer to appeal the decision. An experienced insurance lawyer will know how to deal with the insurance company and get you the compensation you deserve.

How Long Does an Insurance Company Have to Settle a Claim?

There is no set time frame for an insurance company to settle a claim, but they are typically required to respond within 30 days. If you have not received a response from your insurance company within 30 days, you can hire a lawyer to help you get the compensation you deserve.

How Do You Scare Insurance Adjusters?

You don’t have to scare insurance adjusters, but you can hire a lawyer to help you get the best possible settlement. An experienced insurance lawyer will know how to deal with the insurance company and get you the compensation you deserve.

How Do Insurance Companies Pay Out Claims?

There is no set way for insurance companies to pay out claims, but they typically use a combination of insurance premiums and investments to pay for claims. If you feel like the insurance company is not giving you a fair settlement, you can hire a lawyer to negotiate on your behalf.

Can You Sue Your Insurance Company in Ontario?

Yes, you can sue your insurance company in Ontario if you feel like they have not offered you a fair settlement. An experienced insurance lawyer will know how to deal with the insurance company and get you the best possible settlement.

How Much Does a Good Insurance Claim Lawyer Cost in Ontario?

There is no set fee for an insurance lawyer, most work on a contingency basis. This means they only get paid if you win your case and you receive a settlement. If you are not happy with the amount of your settlement, you do not have to pay your lawyer anything.

How Do I Find the Best Insurance Lawyer in Ontario?

You can ask for referrals from friends or family, or you can search online for reviews of insurance lawyers. You can also contact the Law Society of Upper Canada for a list of licensed lawyers in your area. Once you have found a few potential lawyers, you should schedule a free consultation to discuss your case.

What Should I Bring to My Consultation With an Insurance Lawyer?

When you meet with an insurance lawyer, you should bring any documentation related to your accident, including police reports, insurance documents, and medical records. You should also bring a list of any questions you have about your case.

What is the Average Insurance Disputes Settlement in Ontario?

There is no set amount for an insurance settlement in Ontario, as each case is unique. However, an experienced lawyer will be able to give you an estimate of how much your case may be worth.

When Should I Hire an Insurance Lawyer?

You should hire an insurance lawyer if you feel like the insurance company is not giving you a fair settlement. An experienced insurance lawyer will know how to deal with the insurance company and get you the best possible settlement.

The insurance industry must adhere to the Insurance Act, in addition to the terms of your insurance policy. Your insurance policy will act as a descriptive document that cannot include provisions that are against statutory law advanced in the Insurance Act.

How Much Does a Car Insurance Lawyer Cost?

What Are Some Tips for Finding a Good Insurance Lawyer?

You can ask for referrals from friends or family, or you can search online for reviews of insurance lawyers. You can also contact the Law Society of Upper Canada for a list of licensed lawyers in your area. Once you have found a few potential insurance claim lawyers, you should schedule a free consultation to discuss your case.

What Should I Bring to My Consultation With an Insurance Lawyer?

When you meet with an insurance dispute lawyer, you should bring any documentation related to your accident, including police reports, insurance documents, and medical records. You should also bring a list of any questions you have about your insurance claim case.

About the Author

Justin A. Villeneuve

Partner

Justin A. Villeneuve

Partner

Justin is a fully bilingual lawyer and services clients in both French and English. He represents parties in insurance disputes, personal injury claims, and employment disputes at various levels of courts in Ontario. He was given early acceptance to the Common Law program at the University of Ottawa Law School. He obtained his Juris Doctorate in 2014 and was admitted to the Law Society of Upper Canada in 2016 after articling at Weaver Simmons in Sudbury, Ontario.

Education

University of Ottawa – Common Law

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Car Insurance Claims: FAQs

About the Author

Justin A. Villeneuve

Justin A. Villeneuve

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