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.

Skye OliverHow Do I Know If I Need a Personal Injury Lawyer?
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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.

Skye OliverCan Social Media Impact the Outcome of your Injury Claim?
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11 Ways to Manage Your Chronic Pain

If there is one thing that makes day-to-day activities or tasks more difficult, it is chronic pain. That constant throbbing in your neck, sharp pains in your back or aching in your knees. So many people spend countless hours trying to relieve their pain or symptoms with no satisfaction. Common ailments linked to chronic pain can include injuries received in a motor vehicle accident, slip, trip or fall incidents or more severely as a result of a catastrophic or traumatic accident.

To give you a hand and to help bring you some relief, we are sharing WebMD’s list of 11 tips for living with chronic pain. Some of these you might be more familiar with, and some may be new, but everything is worth a try once.

 

  1. Relax using Deep Breathing or Meditation Practices

When we are stressed, our muscles can become tense and tight. Practicing deep breathing or forms of meditation can reduce these symptoms and help you relax. Having a gentle massage or taking time to focus on clearing your mind are other ways to combat tension.

  1. De-Stress

Did you know that feelings of depression, anxiety, and anger can increase the intensity of chronic pain? Learning to manage these types of emotions has been said to provide some relief. There are several ways that you can de-stress. For example, listening to calming music can uplift your mood or writing out your emotions in a journal.

  1. Exercise

This is a popular way to deal with injuries. When you exercise your body naturally releases endorphins which help improve your mood. Exercise, in general, is good for your health, it keeps your blood pressure regular, and cholesterol levels normal and decreases risks for heart diseases. It also strengthens your muscles which, when strong, limit the chance of reinjuring yourself and reduces chronic pain symptoms.

  1. Limit Alcohol Intake

When you deal with chronic pain, getting a night of proper restful sleep is next to impossible. Having a drink to take the edge off may seem like a good idea. However, unlike popular belief, alcohol can make sleep problems worse. Limiting how much you drink alcohol can help improve your quality of sleep.

  1. Connect With Others

It is natural to associate with people who have similar traits to you or interests. Going to group meetings with others who have been in serious motor vehicle accidents or are now suffering from the side effects of others’ negligence keeps you from feeling alone. Connecting with people who are also suffering from the same or similar chronic injury or disease can evoke the same feelings of belonging. Others may also offer symptom relief methods or practices that you may not have tried.

  1. Do Not Smoke

Reduced circulation levels are a known side effect of smoking. This can intensify any circulation conditions and further increase the risk of heart disease and cancer.

  1. Track Pain Levels

Keeping your doctor informed about how you are feeling helps them provide the proper care. Between visits, track how you are feeling in a journal. Using a scale of 1 – 10 and listing out activities or things done that day can help pinpoint what triggers higher pain levels. Sharing this with your doctor can help in the management of chronic pain. This can also be useful if you have suffered an injury at work, such as a slip and fall, and need detailed documentation for medical appointments.

  1. Try Biofeedback Therapy

This method of therapy is new to us. Biofeedback claims to allow you to control various body functions. Using sensors, you can “hear” or “see” different body functions. It is displayed on monitors as squiggly lines that you eventually learn to control these functions using your biological system.

  1. Get a Massage

Quite possibly the most widely used form of stress and chronic pain relief. Massages alleviate the tension in your muscles and allow for complete relaxation. Those who suffer from back and or neck pain as a result of a slip and fall or motor vehicle accident find this method of relief a fantastic way to manage their symptoms.

  1. Eat a well-balanced diet

Believe it or not, what you eat plays a part in how you feel. Eating a well-balanced diet keeps your digestive system running well, reduces the risk of heart disease and keeps your weight under control.

  1. Get Distracted!

Get out and get your mind off things. Sitting around and thinking about your bad knee, cursing the sidewalk for causing you to slip and fall does not make things better, in fact, it does the opposite. Doing something you enjoy will take the focus off your pain and instead keep you preoccupied with the activity at hand.

 

If you experience chronic pain due to a motor vehicle accident, slip, trip or fall or other traumatic accident and are being treated unfairly, you might need legal assistance. Call Dye & Russell for a free claim assessment.

Skye Oliver11 Ways to Manage Your Chronic Pain
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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.

 

Skye OliverPark and Playground Safety
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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.

Skye OliverHow Do I Know If I Need a Personal Injury Lawyer?
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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.

 

 

Skye OliverHit and Run Accident: Why You Should Contact A Lawyer
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Tips & Tricks: Bike Safety Basics

Cycling is a great way to get around—it gets you from point A to point B all while keeping you fit and helping the environment. Some studies have even shown that it is the safest mode of transportation, particularly for young adults. Even so, around 7,500 cyclists suffer severe injuries every year in Canada, while 70, 000 are treated in emergency rooms for injuries related to cycling, according to the CBC.

Over half of the Toronto population cycles, that’s 54% of Torontonians. Luckily, the Toronto Cycling Network Plan is working on making Toronto a more bike-friendly city. Hopefully, Canadian cities will one day be as welcoming to cyclists as European cities, where cyclist injury and death rates are substantially lower. As this eco-friendly method of transportation becomes more popular, cyclists and drivers will become more aware of their places on the roads and fewer accidents will occur.

Until then, there are many things cyclists can be aware of to ensure their safety on the roads. Here are some bike safety tips and tricks based on facts from the CBC and Ontario’s Ministry of Transportation:

Where you can and cannot ride

  • Cyclists must stay as close to the right side of the road as possible, especially if you’re slower than other traffic.
  • Cyclists cannot ride on controlled-access highways, such as Ontario’s 400-series highways
  • Cyclists are only allowed to walk their bikes through pedestrian crossovers.

Where and when it’s best to ride

If cyclists aren’t planning to ride to and from work, they should avoid riding during the afternoon rush hour—17% of cyclist deaths and 23% of cyclist injuries occur during this time.

The worst time for a cyclist to ride is at night—30% of cyclist deaths occur at this time. Avoiding busy cities and intersections is ideal for a cyclist’s safety—despite traffic control signs, cyclists are more likely to be injured in an area with these features. Cyclists should also avoid rural areas where the speed limits are 80km/h or more—44% of cyclist deaths happen on these roads.

Wearing a helmet

It is illegal for any cyclist under the age of 18 to ride without a helmet.

For any cyclist under the age of 16, a parent or guardian must ensure that they are not riding without a helmet. Adults are not required to wear a helmet, although it is strongly recommended, as it lowers a cyclist’s chance of injury by 90%.

Additional cycling laws 

The following are changes made regarding cycling law after the passing of Bill 31- Transportation Statute Law Amendment Act , effective September 1, 2015: 

  • All drivers of motor vehicles are required to maintain a minimum distance of one metre, where practical, when passing cyclists on highways;
  • Persons who improperly open or leave opened the doors of motor vehicles on highways face increased penalties (commonly known as “dooring”).
  • The fine for non-compliance with bicycle light, reflector and reflective requirements will increase; and
  • Cyclists are permitted to use lamps that produce intermittent flashes of red light.

 

For more information on Ontario bike laws, visit the Ontario Ministry of Transportation website. If you know of a cyclist who has been in an accident, have them contact us at our Ajax (905-427-2000) or Barrie offices (705-726-2146) for their free consultation.

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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.

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.

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.

 

Skye OliverWhat You Should Consider When Disputing an Insurance Claim
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