Insurance Litigation Lawyer Edmonton

practice areas Insurance Litigation Lawyer Edmonton

The Role of Our Insurance Litigation Lawyers

Insurance litigation involves legal disputes associated with insurance claims, including insurance coverage disputes, denial of insurance claims, and allegations of bad faith. Resolving such complicated cases requires a deep understanding of Alberta’s insurance law. As such, legal representation and support are fundamental to ensuring a fair outcome. Here’s how our lawyers can help.

Understand your Insurance Coverage

There are many types of insurance coverage in Alberta. Each type of insurance has specific insurance policies with unique terms. Considering the complex nature of these policies and the industry jargon used, you need an experienced lawyer to understand them. Fortunately, our experienced lawyers can help you understand your policy under any type of insurance.

Whether you want to purchase a policy under health insurance, commercial insurance, or fidelity insurance, contact us. We can help you review relevant insurance policies from any regional or national insurance company. This will allow you to understand the scope of coverage and terms of your preferred insurance policy before purchasing it.

Assistance with Unjust Claim Denials

Most business representatives and individuals go to insurance brokers, tell them their coverage needs, buy an insurance policy, and start paying the premiums. They often assume that the insurance company will fulfil their obligation if a disaster strikes because they have maintained premium payments. While this is often the case, there are times when insurance companies deny claims or offer a lower compensation amount than what you expect.

Some of the reasons insurance providers give for a claim denial include that you (the insured) didn’t disclose a material policy when you signed up for the policy or the disaster (occurrence) isn’t covered because of an exclusion clause in your policy terms. Sometimes, your insurer may argue that you filed your claim out of time or you failed to follow the right process of filing a claim.

If your insurance claim was denied, our experienced lawyers are ready to help. We have a wealth of knowledge in insurance law and can help you review your policy details, advocate for fair treatment, and navigate the complexities of your insurance claim denial. Our expertise can ensure you have access to the support you need to contest and overturn an unjust claim denial.

Negotiating with Your Insurance Provider

Insurance coverage is usually designed to minimize the financial risks associated with the possibility of some occurrences, such as flooding, fires, and other natural disasters or negligence to businesses and individuals. Thus, properties, businesses, assets, and even individuals can be insured against some occurrences.

In most cases, insurance claims aren’t outright rejected. However, the insurance provider may value your claim at a lesser amount than what’s generally expected. Don’t accept such offers blindly. Instead, contact the experienced lawyers at Taurus Law.

We understand that effective negotiations with insurance providers require a strategic approach. You (the policyholder) must deeply understand the terms of your policy, provide detailed documentation of damages, and present a compelling claim. Luckily, our skilled lawyers can handle the entire negotiation process for you.

Therefore, you can rely on our knowledge of insurance law and negotiation skills to address disputes over liability, coverage limitations, and your claim value. This can improve the chances of a satisfactory insurance dispute resolution. Indeed, seeking our legal representation in settlement negotiations can lead to fair compensation.

Litigation for Fair Compensation

Suppose a business or an individual is accused of negligence and causing harm to a third party. In that case, the negligent party’s insurer is required to step in and help the policyholder. In most cases, they do. However, there are times when insurance providers refuse to offer assistance on the basis that the occurrence (linked to negligence) isn’t covered.

An insurer may also argue that a certain clause in your policy excludes that occurrence from coverage or you (the insured) didn’t notify your insurer on time. If you are having issues with an insurance service provider, our skilled lawyers can help. Our insurance-related legal services are intended to help you seek compensation legally.

Provide Advice to Policyholders, Insurance Companies, and Insurance Brokers

The insurance litigators at Taurus Law offer advice to policyholders about the specific terms of their coverage, indemnification, and other issues regarding a wide array of insurance matters. These issues may be related to regulatory insurance investigations, professional negligence, general liability claims, product liability litigation, commercial general liability, financial institution bonds, and more.

Taurus Law works with insurance brokers and risk managers to guide them in the renewal of liability insurance programs. We also provide legal counsel regarding independent insurance program reviews to assess the appropriateness and comprehensiveness of coverage. In such circumstances, we provide recommendations to ensure the policies provided meet the insurance law requirements.

Our lawyers have extensive experience in organizing fraud and forensic investigations. We work with industry experts in the preparation of fidelity insurance claims and other insurance claims like those involving personal injury.

Many insurance companies have retained our lawyers to provide legal counsel and represent them in hearings before administrative tribunals and regulatory bodies on numerous matters affecting their operations. They seek our legal guidance on insurance coverage interpretation, corporate governance concerns, risk management, and more.

Skilled Lawyers for Insurance Companies

At Taurus Law, our lawyers have an in-depth understanding of the insurance industry in Alberta and across Canada. We know what insurance companies need when handling claims – timely attention, confident claim assessment, practical legal advice, and effective resolutions for insurance disputes. They also need a track record of legal representation in the courtroom.

Our law firm comprises skilled and experienced lawyers who can handle complex insurance claims. We have the flexibility and resources to handle volumes of claims for our clients successfully. For instance, we help insurance companies in policy drafting, revisions, and related insurance coverage litigation over defence as well as indemnity obligation in first-party property programs and liability programs.

Helping You Navigate Insurance Litigation

Insurance disputes or claims involving general commercial liability, product liability, and other insurance-related issues can be quite complex. You would require an in-depth understanding of the insurance law, many years of experience, and outstanding negotiation skills to resolve a dispute with your insurer. If your claim was denied, you would need real courtroom experience in case your claim goes to trial.

Whether you need legal advice to purchase an insurance policy, file an insurance claim, or your claim was denied, seeking legal counsel and representation is crucial. Here is how our knowledgeable lawyers can help you navigate the insurance-related legal process.

Documentation and Evidence

Detailed documentation and compelling evidence play a key role in successful insurance claims. Thus, you must carefully document damages and keep a detailed record of correspondence with your insurer. Credible evidence can strengthen your claim, facilitate a smooth settlement negotiation or litigation process, and improve your chances of getting a favourable outcome in an insurance dispute.

Unfortunately, the insurance law and the process of pursuing a claim or resolving an insurance dispute are complex. That’s why you need a knowledgeable, skilled, and experienced lawyer to gather evidence, build a strong claim, and ensure you get fair compensation or help resolve an insurance dispute successfully.

Time Limitations and Legal Procedures

Insurance statutes have limitation periods that may be specific to a class (type) of insurance or a general provision that applies to all insurance types. According to the general provision outlined in the Alberta Insurance Act, the limitation period is two years from the time the insured knew or must have known that the damage or loss occurred.

You should never ignore limitations periods. Even if you have a strong insurance claim, there’s a chance it will be denied once the stipulated limitations period expires. In most cases, courts have no discretion to extend the time limits, even when your case had unusual circumstances that may have prevented you from filing the claim.

Therefore, it’s crucial to consult our lawyers once you know that you may have a potential claim. We will gather the relevant information, build a strong claim, and ensure it’s filled within the acceptable timeframe. Similarly, we take insurance-related disputes seriously and are ready to help reach timely resolutions.

Legal Representation

Legal representation is vital in insurance litigation. Our skilled lawyers provide expertise in complex policies and laws, advocate for policyholders, ensure fair treatment, negotiate favourable settlements, and resolve disputes effectively. With our experienced legal team by your side, you can navigate the complicated landscape of insurance litigation with confidence.

Thus, if you have any dispute with an insurance company, consult our lawyers to know more about the legal implications and all possible consequences according to the insurance laws. Based on our advice and recommendations, you can determine how you want to proceed to resolve the issue.