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If you do not have a copy of the Ontario Automobile Policy (OAP 1), ask your insurance agent, broker or claims adjuster for one, or download a copy now. How and when to file an accident report Following an accident, you must file a report with your broker, agent or insurance company within seven days, or as quickly as possible after that.
- On this page
- Review your insurance policy
- Consider your options
- Steps to take to make a claim
- What to do if your claim is denied or your payment is delayed
•Review your insurance policy
•Consider your options
•Steps to take to make a claim
•What to do if your claim is denied or your payment is delayed
Insurance companies will pay for the specific losses described in your policy.
Check your policy’s terms and conditions for the following:
•to see if your company covers your loss or event
•if there are any exclusions, losses or events that they do not cover
•if there are specific claim procedures you'll need to follow
•how long you have to submit your claim
Before you make a car or home insurance claim, consider the following:
•making a claim may increase your premiums in the future or when you renew your policy
•some insurance companies offer a discount if you don’t make any claims under your policy
•if the amount of your claim is only a little more than your deductible, consider if it's worth it to pay for the loss or event yourself
If you decide to make a claim, contact your insurance agent, broker or company as soon as possible. Most insurance companies have time limits within which you must submit your claim. The limit usually varies from 90 days to 12 months from the date of the loss or event. Check your policy’s terms and conditions for the time limit.
Provide your insurance agent, broker or company with all supporting documents required by your policy.
For example, you may need to provide:
•an accident report for a car insurance claim
•a death certificate for a life insurance claim
Your insurance company will review your policy. They will let you know if you can make a claim under the terms of your contract.
Life and health insurance matters
Your insurance company may deny your claim within the contestability period. If you want to discuss your claim, contact the head office of your insurance company. If you're not satisfied with the response, contact the OLHI or your provincial or territorial regulator. How to make a complaint about your insurance provider.
Home or car insurance matters
If your insurance company denies your claim or delays your payment, contact the Insurance Bureau of Canada. You can also make a formal complaint or get legal help.
Step 1: Address the problem with your company, agent, or broker. You may have an issue about your policy, claim, or any dealings with your company, agent or broker. If so, contact the company directly to file your complaint. All insurance companies have an internal complaint-handling process which is available on their website.
Jan 22, 2024 · Greig [2007] O.T.C. 144 (SC) is one of the largest claims for personal injury in Canadian history with regards to spinal cord and brain injuries. Decided by the Ontario Superior Court in 2008, the amount of damages awarded to the two victims totaled $23.7 million. $11.37 million was awarded to Derek Gordon, who suffered brain injuries.
Small Claims Court. If you are suing for $35,000 or less or for the return of personal property valued at $35,000 or less, not including interest and costs. you can start your claim in Small Claims Court. Learn more about suing or being sued in Small Claims Court. Superior Court of Justice
Sep 22, 2023 · The number of other claims your insurance company is processing during the period when you make your claim; Finalizing your home insurance claim may take weeks or even months—in the best-case scenarios, it may only take a matter of days. The 4 Steps of the Home Insurance Claims Process 1. Opening Your Claim
People also ask
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Jul 12, 2023 · An insurance claim is a formal request made by a policyholder to an insurance company for financial reimbursement or coverage based on the terms and conditions of the insurance policy. The claim is submitted when the insured individual or entity experiences a loss or damage covered under the policy, such as an accident, illness, or property ...
