When a disability insurer wrongfully denies disability benefits, the claim is not always just about recovering unpaid monthly payments. In the right case, a claimant may also be entitled to additional damages because of how the insurer handled the claim. In Canadian disability law, those additional damages usually fall … Continue reading
If your BC home or property insurer has denied a wildfire claim, the denial is not the end of the matter. Insurers in British Columbia owe policyholders a duty of utmost good faith, and many denials based on vacancy clauses, alleged non-disclosure, evacuation sub-limits, depreciation, smoke damage, or proof of … Continue reading
When a disability insurer denies benefits and later starts paying again, that may look like a win for the claimant, and sometimes it can be. But in litigated disability claims, a unilateral reinstatement of benefits can also be used in a way that sharply reduces the plaintiff’s leverage.
An insurer … Continue reading
If your long-term disability claim in Vancouver has been denied for “lack of objective evidence,” you are not alone. That phrase appears in denial letters from all the big insurance companies constantly. It sounds authoritative, but in many cases it is being used too broadly, too rigidly, or without proper … Continue reading
An insurance company and their insured have a special relationship of utmost good faith. That’s why when a legitimate insurance claim is denied, people are often left frustrated and unable to understand why “their” insurance company would do this to them. Insurance denials can arise in all forms of insurance … Continue reading
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