Filing a long term disability claim (LTD claim), and/or trying to navigate your insurance company’s claims process, especially during the climate of these times, can be extremely difficult. LTD claims require thorough documentation, adherence to timelines and followup – tasks that can be difficult to keep on top of when you are dealing with the repercussions of a pandemic, let a long a life-altering injury or illness.
Car Insurance Claims
Insurance companies commonly practice denial of long term disability claims and short term disability claims. They pray on the vulnerabilities of their clients and use intimidating tactics to avoid proper correspondence and filing of an insurance claim.
During this time of COVID-19 pandemic, people are feeling especially vulnerable, regardless of already having to manage their lives with an injury or illness. As per Pat Foran’s CTV article, “Ontario watching how insurance companies treat customers during COVID-19 pandemic”, driver’s on the road are especially at risk. Ontario’s finance minister has made it a priority to ensure that insurance companies are fairly treating drivers because it is evident that common practice is to outright deny claims and gouge clients for unwarranted premiums and payment schedules.
Filing A Car Insurance Claim: Receiving A Denied Claim During COVID-19
It is important that when filing an insurance claim (LTD & STD) you keep a very thorough log of the following:
- all correspondence with any insurance company representative (including name of the person, employee #, call number, etc.)
- medical documentation (ex. doctor reports, imaging results, lab results)
- photographic evidence pertaining to the incident (such as scene of a car crash, damages incurred on the vehicles or to the road, images of any injuries, etc.)
- all documents sent or received from any insurance company, including time and date
- any claim process deadlines or filing due dates
The more thorough of a timeline and log you have, the lease wiggle room insurance companies have to instil doubt or deny a long term disability claim.
Long Term Disability Attorney: Personal Injury & Disability Law
TSF Law wants to make sure that our clients maintain a peace of mind during this time. As an esteemed legal team with the in-depth experience and knowledge of personal injury and insurance law, we promise to fight for any wrongful denial of an insurance claim, as well as will seek damages as a result of a denied claim. It is important that anyone facing a life-altering injury or illness can focus solely on their wellbeing, and not concern themselves with navigating an insurance’s claims process.
If you are facing a denied claim, or wish to speak to a lawyer regarding a case of injury, please feel free to contact us today.
