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How to Resolve an Insurance Complaint

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How to Resolve an Insurance Complaint

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.
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Dealing with  Challenges from Auto Insurers in Ontario

When it comes to dealing with an auto insurer, it is rarely a satisfying experience for Ontario consumers. Insured-insurer communication is wrought with a power imbalance created, at least in part, by the lack of public knowledge. Quite often we feel helpless and frustrated by how our auto insurer handles our complaints.

Understanding Your Rights Against Auto Insurers

The public is generally uninformed about their rights against an auto insurer. We are invited to accept that the insurance representative is competent enough to answer our questions fully and deal with our complaints fairly. This is naïve thinking. One should at least suspect that the insurance representative’s advice might be self-serving.

A Common Scenario with Auto Insurance Renewal

Imagine a scenario where Joe Insured receives his auto policy renewal papers, which state that his comprehensive coverage deductible would be increased because of the excessive number of claims under this coverage in the preceding year. Joe Insured’s first call is to his Insurer Co., which predictably repeats the same reasoning for raising the deductible. Joe Insured suspects that he might have been wronged as he had only one small comprehensive coverage claim in the previous year but chooses to accept what his insurance representative tells him. It is likely that Joe Insured will not do anything beyond that. He is otherwise happy with his auto policy.

Access to Information and Dispute Resolution

Auto insurance consumers, such as Joe Insured, should know that when it comes to insurance complaints they have access to some information and dispute resolution processes. In Ontario, automobile insurance is regulated by the Financial Services Regulatory Authority of Ontario (FSRA), a regulatory agency of the Ontario Ministry of Finance. FSRA posts a lot of user-friendly information about automobile insurance on its website: www.fsrao.ca/. On the website the consumers can find some answers to their questions about premiums and coverages, among many others.

Steps to Resolve Auto Insurance Disputes

So, what can Joe Insured do in his situation? A good first step would be visiting FSRA website for guidance and speaking to FSRA to see if he can obtain more information about his issue. Equipped with some knowledge, Joe Insured can contact his insurance company’s complaint officer in order to try to resolve the dispute. The list of the complaint officers can be found at the FSRA website. If that doesn’t work, another venue is engaging an Independent Ombuds Service, which will review the dispute. It is important to remember that although it is not necessary to hire a lawyer, some consumers might benefit from finding one to write a letter to the Ombuds Service on their behalf.

When to Contact a Personal Injury Lawyer

While some issues can be resolved between the consumers and their insurer via dispute resolution mechanisms outlined above, if you have been involved in an accident of any kind, it would be prudent to contact a personal injury lawyer right away for advice and assistance. Please call 1-855-446-7765 today for a free consultation.

 

Content updated: Originally published March 02, 2016

Disclaimer: The content of this article is a general guideline made available for educational purposes only and is not intended to be used as legal advice for the reader’s specific situation nor in general. By reading our blog and website content, the reader acknowledges the above and understands there is no lawyer-client relationship created between you and Himelfarb Proszanski through this content. To get specific legal advice, we encourage you to book a free consultation with one of our lawyers to clarify the legal aspects of your situation.

Timing is Critical. Help is Free.

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

Timing is Critical. Help is Free.

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

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What They Say About Us

Sherene AlySherene Aly
16:02 23 Mar 24
I was very pleased with my decision to retain David and his team for my case. Melissa Gizzo was simply amazing and was able to secure a fair settlement for me.
T TT T
17:46 16 Feb 24
Experienced and excellent law firm. Their lawyers are wonderful, articulate, dilligent, amicable, calm, respectful, responsible, resourceful and have good human and customer relationships Especially DAN HOLLAND 👌 He is an amazing lawyer as regards dealing with any of the Accident case.I was involvedIn an accident in 2019 February. He was God sent as he dutifully and relentlessly worked hard until the case was settled
LizLiz
22:43 18 Jan 24
I highly recommend Dan Holland as a disability lawyer. His commitment to my case made the process seamless. Dan's clear communication and ability to simplify complex legal matters made it easy for me to understand every step. He demonstrated genuine concern for my best interests, making him not only a skilled attorney but also someone easy to talk to.Dan’s support extended beyond legal expertise; he alleviated my stress during the long-term disability case. His calm approach and unhurried demeanour ensured that there was no rush in our collaboration. This, coupled with his dedication, made the entire experience more manageable, fostering confidence in his ability to handle the case with meticulous care.I wholeheartedly endorse Dan for anyone seeking a lawyer who not only gets results but also prioritizes your peace of mind.
Neeshanth SritharanNeeshanth Sritharan
21:49 01 Jan 24
My mom was involved in an accident impacting her daily life and ability to work. Dan Holland has worked with us during the duration of our case and has been helpful in fighting for her and supporting us, and organizing the things we needed. Our family is incredibly grateful of the outcome Dan was able to obtain for us. I would highly recommend him!
Faiza HamidFaiza Hamid
01:26 22 Dec 23
I'm so happy I chose Mena Brar and her team represet us . We could not ask for a better team she is so kind, loyal, and honest. she spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. I appreciate you. Did it for me and how this will help me get back on track with my life. keep helping others. You are doing amazing works, Mena Brar. I wish you all the best.
Brenda FurtadoBrenda Furtado
23:38 12 Dec 23
Many thanks to Silene Malhao for settling my husband's TORT claim and to Mena Brar for settling his accident benefits claim. These ladies made themselves available any time we had a question. They were very understanding and compassionate. We were completely taken care of throughout this process. We would definitely recommend this team to friends and family!
ShaunaShauna
15:52 06 Dec 23
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Andrew CoutoAndrew Couto
23:10 21 Nov 23
I'm so happy I chose David as my lawyer. I spoke to a few lawyers before finding David and I noticed majority of them spoke to me in a way that felt demeaning or that my case wasn't big enough or important enough to take. One phone call with David and my opinion on lawyers changed. He spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. The whole process was wonderful. From dealing with David's law clerk Ingrid whom is an amazing and kind woman to his legal assistant Melissa whom is another amazing kind and talented young woman. I was so stressed about this case but from day 1 they helped ease that stress and always answered all my questions promptly and respectfully. I couldn't believe David got me to mediation within 6 months of being cut off my LTD and got me a settlement way beyond my expectations. I can't say enough good things about this law firm but I guarantee you that if you need a lawyer to fight for you David is your guy! . Believe me when I say this is the law firm for anyone dealing with personal injuries especially LTD denial claims. Thank you so much to David, Ingrid and Melissa you truly don't know how much I appreciate all you did for me and how this will help me get back on track with my life. Keep helping others you guys are doing amazing work! I wish you all the best!
Rose RegazziRose Regazzi
21:15 11 Oct 23
I sustained a relatively painful injury, affecting me long term.I wouldn't otherwise had pursued it, as it involved a relatively large corporation, but felt it necessary to do so. However, many lawyers were daunted, with one, who actually referred me to HIMPRO.I was connected with Dan Holland, who reviewed the case, provided with me realistic expectations, sound advice and had a willingness to move forward and represent me.His calm and professional demeanor, brought me to a place of reassurance. His ease in addressing all facets of this process, clearly demonstrated a wealth of experience. There was never any hesitation, when being challenged, and felt my best interest was always in the forefront.This case has since been resolved, to my complete satisfaction.Without reservation, HIMPRO (and Dan Holland, in particular), would be the only firm I would recommend for these type of cases.
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