KMSC Law – Blog

Insurance Disputes: We can Help

October 5th, 2016

Insurance Disputes

You pay for insurance based on an assumption that you will be financially protected if you need to make a claim. Unfortunately, the law of insurance is often difficult to understand, and insurance policy descriptions can be poorly written, vague, or even misleading. To make matters worse, the exceptions (or exemptions) to an insurance policy are frequently not explained well (or fully) by insurance agents. The result is that people often think they have insurance coverage for a specific event or loss when, in fact, they don’t.

Insurance Claim Denials

When it comes to actually making a claim with an insurer, you may get declined, or offered less than what you are entitled to under your insurance policy. This is extremely frustrating. After all, you paid your premiums for the very reason you are making a claim.

Many people don’t know that they can dispute their insurance company’s denial of a claim or an attempt to underpay. If you feel you have been unfairly declined for a claim or have been offered less than your policy allows, call us to find out if you have a case. At KMSC Law, our lawyers have years of experience helping people like you dispute the unfair actions of insurance companies.

Examples Of Insurance Disputes

Insurance disputes can arise in any case where you feel an insurance company is attempting to underpay you or has declined your claim even when you are entitled to make it. We have seen many examples of insurance disputes in Alberta, including denied payments or underpayments for:

  • Vehicle insurance
  • Serious injuries and medical benefits (Learn more about our Personal Injury Team)
  • Property and Homeowners policies (e.g., house, fire, and flood losses)
  • Tenant’s insurance (e.g., contents and liability insurance)
  • Life insurance
  • Travel insurance
  • Business interruption insurance
  • Professional liability insurance
  • Home-based business policies
  • Product liability insurance
  • Long term disability benefits

Challenging an Insurance Denial is Easier with Professional Help

Insurance companies are “for profit” businesses. Claims payout rates have a direct impact on the bottom line. So, it’s not that surprising that insurance companies are often tempted to try to underpay, or refuse to pay benefits to those who are entitled to them. Often people do not try to challenge this practice because they don’t know they can. The law and procedures surrounding insurance disputes can also be complicated. This can prevent people from knowing what rights they have, how much compensation they can claim, and how to go about getting what they deserve.

How KMSC Law can Help

KMSC Law is a full-service law firm with three offices in the Peace Region, Alberta. Our Civil Litigation team frequently handles insurance disputes for individuals and businesses.

We know what information is needed to assess your case. We can help you to understand the coverage that your insurance policy provides and whether you are entitled to more than the insurer has offered you.

Our lawyers can help you obtain the maximum recovery under your insurance policy for your losses and claims. We take legal action on your behalf, and take care of all aspects of your insurance dispute, from start to finish. Contact one of our experienced Civil Litigation lawyers for more information.

Car Accidents and Personal Injuries

If your insurance claim relates to a vehicle accident or a personal injury learn more about our Personal Injury Team and how they can help.

 

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Posted in:
Insurance Disputes + Personal Injury
KMSC Law LLP