Can Social Media Impact the Outcome of your Injury Claim?

In the present day, it is no secret that anything you post online goes onto your digital permanent record. Deleted posts, while not visible to your friends or family, never fully disappear. Therefore, it is extremely imperative that those who enjoy sharing photos, status updates, and location information with their social media audiences be mindful of what they choose to post.

You would not want your boss to see your long-winded status update complaining about the new office policy, would you? Our guess is no. However, job security is no longer the only thing that can be threatened by social media – personal injury claims are too. Allow us to explain:

Inconsistent Images

Social media is not typically the most authentic place. Your feeds have given you the opportunity to present the most envy-inducing version of yourself to anyone who views them, and most people take advantage of that power.

Including defence lawyers.

If your life were dramatically altered after a car accident-related brain injury, chances are that you would not post or feel like posting when you were in the midst of dealing with painful side effects. Mental health issues caused by the accident will likely go unmentioned on your Facebook timeline, and details about the physical injuries you sustained will not be described in detail, if at all.

So how does it look to an opportunistic defence lawyer, when on the one evening you decided to go to your friend’s annual Labour Day barbecue, multiple photos were taken and posted online that made it appear that you were out and about, having the time of your life?

This is where many sufferers who are seeking compensation for their injuries misstep. If you are claiming the accident has dramatically affected your emotional life, but meanwhile, you are trying to portray a carefree and happy image on social media, the defence could use that as evidence to have your case thrown out.

Proper Protocol

If you experience a personal injury, it is wise to avoid posting anything on social media from the day you are injured until the day your case has been settled in court. Despite your abstinence from social media, friends and family still have the power to post updates and images related to you. Therefore, it is highly advised that you speak to those within your inner circle about the potential risks associated with your social media presence and ask them to avoid mentioning you online. Furthermore, while having airtight privacy settings is a good security step to take, the settings may not protect you from the defence gaining access to your posts.

Social media can be great fun, however, suffering after a personal injury is far from it.

If you have been injured in an accident, you may be able to receive compensation for the damages you faced. Contact us to book your free consultation.

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Skye OliverCan Social Media Impact the Outcome of your Injury Claim?
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5 Road Safety Tips

Fall is an exciting time of the year. The leaves are changing colours, the air is getting cooler and the idea of wrapping up in a blanket with a warm beverage is too good to resist. There are pumpkin patches to visit, apples to pick and piles of leaves to jump in.

Going for a car ride to admire the beautiful colours and scenery Ontario has to offer is a great way to spend time with your family outside of your home in a safe environment. While these mini-road trips can induce a sense of freedom and possibility, they can also pose a serious risk when drivers fail to navigate the roads safely.

So, before you embark upon your next adventure, ensure that you’re aware of these safety precautions that must be taken to ensure a safe arrival at your destination:

 

Plan Ahead

First and foremost, it’s crucial to map out your route before you sit down in your vehicle. In doing so, you will learn ahead of time if you will be encountering any obstacles such as construction zones. In addition, planning ahead gives drivers the confidence of knowing how long the drive will take, so they can plan accordingly and avoid rushing through traffic to make it to their destination on time.

 

Double Check Items in Tow

It’s imperative that if you are towing a trailer, a boat, or any other item behind your vehicle, you ensure that it is secured properly. If it’s a trailer, double-check that the lights on it are working, so that the traffic following behind you can see if you are about to pull over or turn. Furthermore, confirm that the trailer tires are in good shape, to avoid any potentially dangerous accidents on the highway.

 

Avoid Distracted Driving

The digital age has created the pressing issue of smartphone addiction. If you’re operating a vehicle, you should comply with a strict “no cell phone” rule, to avoid any temptation to check your phone. Distracted driving is a highly dangerous plague to the safety of drivers everywhere.

Luckily, Ontario law now deems it illegal for drivers to use their phones for communication purposes while on the road. Still, not everyone adheres to these laws, and those who use their cell phone behind the wheel are four times more likely to crash than those who focus on driving. Not only do you amplify the risk of causing your passengers harm by checking your phone, you further put the safety of surrounding vehicles in jeopardy.

However, if you’re on the road and desperately need to make a call, you are permitted to do so using Bluetooth technology and the hands-free function on your phone.

 

Practice Defensive Driving

Defensive driving entails driving with the sole intent of avoiding a collision. This may mean remaining even-tempered when faced with aggressive drivers, maintaining a comfortable speed, and a safe distance between yourself and other vehicles. By having patience and practicing defensive driving, you limit the risk of injuring yourself, your passengers, and the people in surrounding vehicles.

 

Stay Focused

If your trips Point A is a considerable distance from its Point B, you’re going to need to ensure that you get the rest you require to avoid a fatigue-related collision. You should not allow the excitement and anticipation of reaching your destination to impair your judgment of when it’s time to take a break from driving. Furthermore, be sure to make frequent stops at gas stations, even if you don’t need to purchase anything so that you can stretch and increase your alertness and blood circulation.

By taking these safety precautions on your road trip, you’ll dramatically lower your risk of getting into an accident on your journey. However, if you have been injured in a car accident due to another driver’s negligence, you may be able to receive compensation for the damages you faced. Contact us to book your free consultation.

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Park and Playground Safety

Time spent at the park allows children to socialize, get some exercise, and explore and engage with age-appropriate challenges in a supervised environment. Even with an adult supervising the fun, accidents can still happen– bruises, falls, scraped knees and elbows, and other risks and injuries are all possible on the playground. According to the Canadian Public Health Association, “An analysis of playground falls between 1994 and 2003 estimated that each year 2,500 children below 14 years of age were hospitalized for serious injuries. Of this total, 81% had suffered a fracture while 14% were admitted for a head injury…”. Teaching kids about the importance of playing safe and the rules of the playground is critical in avoiding injuries and maintaining fun. Here are some things you can do to ensure your child remains safe.

Remain Alert

Enjoying the carefree energy your child has is important to healthy growth and development, but it can be dampened by an injury that could have been avoided. As a parent or guardian, you are responsible for remaining aware of potential risks such as unsafe climbing or running, arguments on the playground, and any dangers in the environment. If you or your child has experienced an injury obtained at a park or playground you may be eligible for compensation. Contact the professionals at Dye & Russell for your free claim assessment today.

Look For Potential Risks

Even if you keep your eyes on your kids as much as possible, an accident can happen before you have time to react. Preparing before enjoying the many fun activities, like the slide and swings, take a look at the playground park area for any potential risks. The play equipment and play spaces must meet the CSA (Canadian Standards Association) requirements for safety. Shock-absorbing materials such as woodchips, synthetic shredded rubber or sand should be used for a safer and softer area to play in. All equipment should also be free of breakage or sharp and dangerous areas.

Glass, nails, bolts, or bottles are all things that can be left behind by careless people and have the potential to injure your child. Take a thorough look around before playing in the sand or grass in the park and playground area.

Proper Maintenance

If you believe there are safety issues with a playground reach out to your park’s local operator. An unsafe play area can be avoided with proper maintenance– if you or your child has been injured due to negligence, contacting a personal injury lawyer like the ones at Dye & Russell is the right step on the road to recovery.

Review The Rules

Go over the rules of the playground and ensure your child understands the risks that come with playing on any park structures. Make sure they stay or play in age-appropriate areas that are meant for them specifically.

 

Looking after your child’s safety while they run around and enjoy the excitement of park activities is a hard job, and sometimes an injury can happen. If you or a loved one has been involved in an accident at a park or playground, contact the professionals at Dye & Russell today for your FREE Claim Assessment and more helpful resources.

Reach us toll-free at 1-877-883-6171 or visit us online to speak with a live agent. Your road to recovery is important to us.

 

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Boating Safety Tips: What You Need To Know

The warmer months are here and that means enjoying the sun and summer activities. Boating is incredibly popular with things to do like tubbing, water skiing, fishing, or swimming out in the lake. These are all fun things to de-stress and enjoy this sunny season, but nevertheless, it is crucial to be aware of boat safety rules and regulations. According to the Canadian Red Cross there are over 125+ preventable boating-related fatalities that happen across Canada each year.

If you are your loved ones are planning on enjoying some time on a boat this summer, then here are some ways to prepare for the ride and minimize the risk of injury:


Make a Checklist

It is easy to get caught up in the excitement of getting out on a boat— having a thorough checklist to go over before taking off is a great way to be prepared for any possible emergencies out on the water.

Check the Weather

Take a look at the local weather forecast. The days leading up to your departure is crucial to ensuring you are aware of any possibly changes that could put you in danger. Avoid strong or rough winds, darkening clouds, temperature fluxes, or changes to the waves. Getting caught in a storm can result in serious injury to you or your passengers. If you find yourself in this position our lawyers at Dye & Russell know what to do to get you the compensation you deserve. Do not delay, contact us today if you have sustained injuries or damages on a boat in Ontario.

Develop a Float Plan

Inform a family member or marina staff of your contact information and emergency plan of action. Letting someone know this information along with trip destinations, the warning or help signals to be used, and your boats registration information can be critical in getting you to safety if an emergency occurs. Even the most experienced boaters can sustain injuries or be involved in accidents out on the water. Dye & Russell has the experience to help in your boating accident personal injury case.

Have your tools ready

There are many items that you need to have onboard to ensure everyone is safe while out on the water. Some items and equipment you will need but are not limited to:

  • Life jackets
  • First aid kit
  • Sunscreen
  • Food and water
  • Proper identification, licenses, boat documentation
  • Cellphone and wireless charging bank
  • Electrical tape
  • Emergency flashlight
  • Distress signals
  • Fire extinguisher
  • Extra fuel
  • Emergency paddles
  • Blankets

Wear A Life Jacket

Did you know the Red Cross reported that less than 50% of Canadians always wear their life jackets when boating? Life jackets are crucial in the prevention of accidental drownings and even help in preventing hypothermia when exposed to cold water conditions for too long.

Besides being a legal requirement, another reason to have life jackets on board is for individuals that may not know how to swim or are generally weak swimmers. In the event of an accident where flooding occurs and your boat begins taking on water, the risk of a slip and fall injury increases. Wearing a life jacket can save a life if someone were to slip and fall into the water or experience a head injury.

Exploring the many great lakes and waters that Canada has to offer is exciting but knowing proper boat safety is key in achieving an accident-free summer. There are many opportunities for injury with all of the different types of activities to enjoy in or on the water, knowing who to contact in the wake of an accident will reduce the stress and anxiety related to your injury.

 

If you or a loved one has been involved in an accident, contact the professionals at Dye & Russell today for your FREE Claim Assessment and more helpful resources. Reach us toll free at 1-877-883-6171 or visit us online to speak with a live agent. Your road to recovery is important to us.

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How Do I Know If I Need a Personal Injury Lawyer?

After experiencing a traumatic brain injury (TBI) or other serious injury, focusing on your recovery and getting the appropriate medical attention is important. If the injury occurred in a motor vehicle accident, at work or home, contacting an experienced personal injury lawyer can help you understand your legal rights. A lawyer can also help explain your options if your injuries were the result of negligence or malpractice.

There are many reasons why contacting a personal injury lawyer is in your best interest. Here are our top four:

 

1.    A personal injury lawyer will help answer your questions.

Anyone that has been seriously injured or had a loved one struggle with a major injury undoubtedly has questions. Personal injury lawyers with experience handling serious injury cases can help answer your important questions, such as “What happened?” and  “Do we have a case?”.

A personal injury lawyer will conduct a factual investigation through interviews, review of records, and through the experience of professional investigators/consultants to gain information leading up to and at the time of your injury.

The insurance companies representing any possible defendants will be conducting the same type of investigations. The experts at Dye and Russell have experience working with insurance companies and know how to get you the settlement you deserve.

 

2.    A personal injury lawyer will help you understand why an injury may have occurred.

Individuals that have experienced a traumatic brain injury (TBI), as well as their families, may not recognize that other individuals or entities may have contributed to their injury.

A lawyer will be able to assist in identifying all the individuals or entities that may have been a contributing factor to your injury. They will also ensure that those responsible are held accountable to the full extent of the law.

 

3.    A personal injury lawyer will help you understand your rights so you can make informed decisions.

Many serious injuries, such as a severe traumatic brain injury (TBI), are often permanent and require a considerable number of medical treatments and/or ongoing care.

Speaking with a personal injury lawyer as soon as possible, like the ones at Dye and Russell, will help preserve your right to civil action. Our experienced lawyers will work with you to understand your options and help you make an informed decision about moving forward with your case.

 

4.    A personal injury lawyer will help ensure you are fully compensated.

We understand how injuries impact you and your family in the present and how you will be impacted in the future.

The lawyers at Dye and Russell will work to ensure you and your family receive the maximum settlement that you are entitled to for current and future medical expenses. A personal injury lawyer will also seek compensation for current and future pain and suffering, both physical and mental, as well as any loss of wages.

 

Consulting an experienced personal injury lawyer in the wake of an accident is in your best interest. A lawyer will answer your questions and help you understand your rights or why an injury may have occurred. They are there to make sure you receive the maximum settlement you deserve so you can make a full recovery.

Contact the team at Dye and Russell today by calling 1-877-883-6171 or fast dial #1000 from your cell phone.

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Skye OliverHow Do I Know If I Need a Personal Injury Lawyer?
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Tips for Safe Winter Driving

Staying safe and following the rules of the road is always important. It becomes even more important during the winter months when roads and driving conditions are less than ideal.

It is during this time that our team at Dye and Russell Personal Injury Lawyers see an increase in vehicle accidents among other seasonal accidents such as a slip and fall.

Contacting a #personalinjury lawyer if you have been involved in an accident is one of the first things you should do. The experts at Dye and Russell have experience working with #vehicleaccident claims and understand your frustrations. We are here to get you what you deserve and make recovery as smooth as possible.

If you plan on driving anywhere this winter, here’s what you should know.

 

  1. Winterize your vehicle. 

 Prepare your vehicle for the Canadian winters by taking the necessary precautions.

  • Change your tires from all-seasons to winter tires.
  • Properly defrost windows and remove any obstructions like ice.
  • Update your car safety-kit with winter items like an ice scraper.

Failing to equip your vehicle with the proper tires or performing regular maintenance could lead to an accident and potentially cause serious #injury. In instances when an accident has occurred reaching out to an experienced personal injury lawyer can help answer many of the questions you will no doubt have.

  1. Keep fluid levels topped up.

In addition to regular maintenance, it is important to keep your fluids (like gas and windshield-washer fluid) topped up. Condensation in the gas tank has the potential to freeze and cause problems and a lack of windshield-washer fluid can limit visibility when driving.

The lack of visibility is a serious risk while driving in winter conditions. It is easy for ice to build up and for a vehicle to spin out of control. Should you find yourself in this situation and an accident you have been involved in has caused injuries, you should contact an expert like the lawyers at Dye and Russell. They work quickly and diligently to ensure you receive the financial and physical compensation you deserve.

  1. Wipe off your vehicle.

Wiping snow off your vehicle reduces the likelihood of snow sliding off and obstructing the view of drivers behind you. Drivers who have been involved in an accident because of the #negligence of another person should speak with a lawyer immediately.

  1. Have a cellphone. 

In the event of an accident, having a cellphone will allow you to connect with help and emergency services (if needed). It also gives you the ability to connect with a personal injury lawyer as soon as possible following the accident. When you fast dial #1000 from your cellphone, you will be connected with our team at Dye and Russell Personal Injury Lawyers. Helping you from the start is part of the Dye and Russell experience.

By no means should a cellphone be used by the individual while driving; drivers should pull off to the side of the road before making a call.

  1. Adjust for the road conditions. 

No matter what tips you follow, adjust your driving to match the road conditions. It is your responsibility to be a safe driver and take the necessary precautions.

 

If you or a loved one has been involved in an accident, contact the experts at Dye and Russell Personal Injury Lawyers. Their team of professionals have years of experience in #personalinjury law and fighting for the compensation you deserve. Call and book your FREE consultation today at 1-877-883-6171 or fast dial #1000 on your cell phone.

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Hit and Run Accident: Why You Should Contact A Lawyer

A hit and run accident is an accident where one of the parties involved leaves the scene of the accident. Often the vehicle that leaves the scene is unidentified and has failed to exchange information with the other driver, however, this is not always the case. There are instances where the other vehicle has been successfully identified whether by someone at the scene or at a later date. Hit and run accidents can also involve pedestrians who have been struck by a vehicle that has then fled the scene.

Leaving the scene of a hit and run accident between vehicles is a criminal offence under the Highway Traffic Act – especially if an individual is injured because of the accident.

These types of accidents can have serious consequences. It becomes harder to determine liability and collect accident details when there is no one at the scene to be held accountable or question. Hiring a skilled personal injury lawyer right away will help ensure victims are fully compensated.

 

Accident Claims
Even if an individual is involved in a hit and run accident that results in injury and the other vehicle cannot be identified, our team of professionals will find you coverage through your own insurance policy. In Ontario, the standard policy of insurance, referred to as OAP 1, contains provisions that allow you to seek recourse through unidentified and/or uninsured conditions of your own insurance policy. An experienced lawyer at Dye and Russell can help explain these legal difficulties & help recover fair compensation for your injuries.
Persons injured as a pedestrian, even while lacking an OAP 1, are still eligible to receive compensation. The Motor Vehicle Accident Claims Fund (MVACF) is a provincial body, set by the Province of Ontario, to assist persons without insurance. It is through this fund that a person can obtain accident benefits. Connecting with a personal injury lawyer is the best way to ensure you receive fair compensation.

 

Working with a Personal Injury Lawyer
When you work with a personal injury lawyer from Dye and Russell, we’ll make sure you have access to certain types of benefits and provide the help you need to navigate the system of insurance. Often times people think because the vehicle or person responsible for the accident cannot be identified, they have no options.
Our lawyers have experience working with big insurance companies and know how to get you maximum coverage. It is our responsibility to help identify the opportunities of recourse available to you. For instance, your own insurance policy. Any dependents, such as a spouse or child, are able to seek legal remedy under that policy.

 

Contacting a Personal Injury Lawyer
An expert lawyer from Dye and Russell can help you navigate the insurance system and help you get the fair and rightful compensation you deserve. They can assist with getting access to additional coverage under your policy and help you understand the legal side of your case.

 

If you or someone you know has been involved in a hit and run accident, call the professional lawyers at Dye and Russell today at 1-877-883-6171.

 

 

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Water Safety Tips for Toddlers & Children

Teaching your kids to swim & understanding how to be safe around pools or open water is a responsibility every parent takes on. Knowing your toddler or child(ren) can swim can be comforting for parents, but it shouldn’t be your only strategy for keeping them safe.

You teach them to stop & look both ways before crossing the street, not to run out on to the road, to look for cars & where to safely cross the street, yet you wouldn’t leave your toddler or young child unattended playing by the road.

The same goes for pools, open water & even bathtubs. Drownings can occur in as little as 1.5 inches (4 cm) of water.

 

Supervision

A parent or guardian should always be present when toddlers & or young children are near water. They should always know where their child(ren) are & what potential hazards are nearby.

Creating barriers between the child(ren) & the water reduces the ability & likelihood that the child can reach the hazard. Fencing around a pool is a common method used to keep the area inaccessible. Self-latching or locking gates that are also self-closing add additional safety measures. Any gates or barriers should be regularly inspected to ensure they’re functioning properly.

 

Pool Rules

Having established pool rules can help instill the need for safety around the water.

The most common & well-known pool rule of them all is no running around the pool. A slip & fall is more likely to occur on wet surfaces & can result in serious injury.

Cleaning up the pool deck so it’s free from water toys or other pool accessories can minimize a child’s temptation to play in that area. It can also reduce the potential for someone to trip over the objects & fall into the water headfirst.

No adult, no entry. Teach them that entering the pool, lake, pond etc. can only be done once a parent has done so. This will enforce to toddlers & younger children that they shouldn’t be going in the water by themselves & that an adult needs to be with them to be in the water.

Follow through. If you say you’re going to go swimming, make sure you keep that promise. By following through with this promise, the child(ren) won’t feel as strong of a need to go near the water when you aren’t around.

 

Open Water VS Swimming Pool

Swimming at the cottage or in another open body of water is not the same as swimming in a pool at home or recreation centre. A swimming pool is a contained space where the elements can be controlled. Open water brings new hazards that swimmers are faced with. Strong currents, colder water temperatures, greater distances to land or shore, undertows, & even other watercrafts to name a few.

If you or a child has become caught in a river current or fast moving water, the Canadian Red Cross suggests rolling on your back & pointing your feet downstream. This is to avoid hitting any obstacles headfirst. When out of the strongest part of the current, swim straight towards the shore.

 

Lifejackets & Personal Flotation Devices (PFD)

Drowning accidents can be preventable. When worn properly, a Canadian approved standard lifejacket is designed to turn an unconscious person from their front, over to their back so their face up in the water, allowing them to breathe.

When buying a lifejacket for a child there are certain things you want to look for:

  • Canadian approval label containing the chest size or weight it is intended for
  • Large collars will help support a child’s head & give additional protection
  • A strap on the collar to grab on to
  • A secure strap that fastens between the child’s legs, so the device doesn’t slip off
  • Bright colours are more noticeable in the water; red, yellow & orange are preferred options

Having a lifejacket or PFD close by, even within reach, isn’t close enough. The need for adult supervision is always required around water & lifejackets or PFDs aren’t a replacement.

 

If you or someone you know has been involved in an accident your road to recovery is important to us. Fast dial #1000 free from your cell and our experienced team at Dye and Russell will get you the support you need.

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Skye OliverWater Safety Tips for Toddlers & Children
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Common Questions Personal Injury Lawyers Get

The field of personal injury law can be unclear and often leave people feeling confused and overwhelmed. There is emotional and financial stress that coincides with an injury and navigating the recovery process, both legally and health wise, can be daunting.

At Dye & Russell it’s our mission to help guide you and your family through the entire process, protecting your rights and fighting to make sure you receive what you’re entitled to. Big insurance companies don’t have your best interests at the forefront and aren’t going to fight to get what you deserve; they want to pay out as little as possible.

As personal injury lawyers, it’s important that our clients feel empowered and knowledgeable about their case; after all it’s their lives that are impacted. To alleviate some of the unknown, here are some of the common questions asked of our lawyers at Dye & Russell.

  1. Why do I need a personal injury lawyer?

Simply put, personal injury law is one of, if not the most, complex areas of law. It requires going after compensation from large insurance companies, all while navigating the elusive, ever changing laws and regulations. Having been in the industry for over 20 years, our personal injury lawyers have the experience and expertise to protect your rights and get you on the right path to a complete recovery.

 

  1. How soon after and accident or injury can I contact a personal injury lawyer?

If you or someone you know has been involved in an accident, it’s important that you contact a personal injury lawyer as soon as possible. There are certain cases that require you to put the defendant on notice within a matter of days if you will be suing. If this doesn’t occur, the defendant can argue the claim is out of time & that you weren’t really injured, potentially barring your claim. Dye & Russell aims to protect your rights and provide you access to the treatment needed in the beginning stages of your injury. Acting quickly to collect and preserve necessary evidence to present your case makes a difference in receiving what’s fair.

 

  1. How do I pay for the legal services?

One of the common reason’s individuals don’t seek out a personal injury lawyer is the fear of what it will cost. Often their injury has prevented them from working so the thought of another expense is off-putting. At Dye & Russell we offer a free claim evaluation of your case, no obligation. When you do decide to have us represent you, you don’t pay until we’ve settled or won your case. We ensure you receive the proper funding for necessary treatment and do whatever it takes to properly assess and present your claim. Little things like this can help relieve some of the stress and financial burden that is tied to a personal injury case.

 

  1. How long does it take to settle my claim?

The amount of time it takes to settle a personal injury claim can change based on the complexity of the case. It isn’t uncommon for cases to range from 2-3 years before being resolved; although some are resolved much quicker. When you contact Dye & Russell we’ll happily explain the claim and litigation process, in addition to providing you with an estimate on how long it will take to resolve the claim.

 

If you feel you have been wrongfully injured in an accident due to the negligence of another or have had your claim denied, contact Dye & Russell.

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Skye OliverCommon Questions Personal Injury Lawyers Get
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What You Should Consider When Disputing an Insurance Claim

 

Everyone knows that dealing with the big insurance companies can give you a headache and have you running around in circles with no answers. Policies can be so complex that sadly, insurance companies have often used their inside knowledge to take advantage of insureds through policy loopholes. This can leave insureds at a standstill in regards to their insurance claims and even result in a claim being denied.

Insurance is one of those things that you love to hate but have it anyways. It gives you and your family the protection they will need if something should happen to them or yourself. However, even if you are paying your bill on time each month and never miss a payment, insurance companies will look to find the cheapest way to pay out your claim to save money for themselves, if they pay out at all. This can be the last thing you want to deal with when you’re faced with a loss.

Here are four steps to consider when resolving a dispute with an insurance company.

Gather information

  • Insurance policies aren’t always easily understood by the average person. Ask your agent, broker or insurance representative for clarification about your concern/issue. The rights and responsibilities of all parties are written within the policy (aka contract), however miscommunications can occur.
  • If you have general questions you can contact the IBC Consumer Information Centre (CIC). They can assist with basic questions about policy wording, coverage or how to proceed with a complaint

Get in touch with the insurance companies Complaint Liaison Officer or Ombudsperson

  • Licensed insurers have a complaint resolution process, and someone assigned to enforce this process. This role is regulated by the provincial regulator.
  • If you plan on making a complaint through this channel, be sure to state your complaint clearly, including the expected resolution. Be sure to have all your documentation readily available and take note of all persons you spoke with regarding the complaint as well as what was spoken about. Finally, give the Complaint Liaison Officer or Ombudsperson sufficient time to investigate & respond to your complaint.

Reach out to the GIO (General Insurance OmbudsService)

  • If you’ve gone through your insurers complaint processes and aren’t satisfied you can request a Final Position Letter and contact the GIO. The GIO is an impartial consumer dispute resolution system. It is in place to help you and the insurer resolve disputes about claim-related matters.

Take it to the Federal or Provincial level

  • If your dispute cannot be solved by the GIO, or if the insurance company isn’t a member of the GIO, you can take it a step further by contacting a Financial Consumer Agency of Canada.

Dye & Russell should be your first call if you’re having issues claiming insurance compensation. We have the experience and knowledge of the industry that keep us from being pushed around by policymakers. Let us handle the big insurance companies and take the stress away from you to get you what you deserve.

If you’ve experienced a claim denial or want to dispute a claim, and need legal assistance, call #1000 on your cell phone for free. We will offer you a free claim assessment.

 

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