Your claim was denied or your benefits were cut off.

A denial letter is the insurer's position, not a final determination. Denials are frequently based on a policy exclusion, a coverage interpretation or an evidentiary gap that can be addressed.

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Time-sensitive
A deadline may already be running.

Some legal claims are subject to strict limitation periods. If you believe you may have a claim, do not delay obtaining legal advice.

What to do now

  1. Get the denial in writing and identify the exact clause relied on.
  2. Request a complete copy of the policy, including endorsements.
  3. Note any limitation period stated in the denial letter.
  4. Do not sign a full and final release in exchange for a partial payment before advice.
  5. Gather the medical, repair or loss documentation the insurer says is missing.

What to bring to your lawyer

  • Denial letter and claim number
  • Full policy wording and endorsements
  • All correspondence with the adjuster
  • Supporting documentation for the loss
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This page provides general legal information about Ontario law. It is not legal advice, and reading it does not create a solicitor-client relationship.

Talk it through before you respond.

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