Problems with Insurance
You must always try to fix the problem first by talking to the insurance company yourself.
If you can’t fix the problem yourself, you can get help from the OmbudService.
You can’t go to court about the problem while you are using the OmbudService.
You can’t use the Ombudservice if you have already been to court about this problem.
If you have a problem with home, auto, or business insurance, you can call the General Insurance OmbudService at 1-877-225-0446.
If you have a problem with life or health insurance, you can call the Canadian Life and Health Insurance OmbudService at 1-888-295-8112.
If the OmbudService can’t fix your problem, you may want to go to court.
Find a lawyer who specializes in insurance problems.
Ask about the lawyer’s fees.
If your case is for personal injuries, the lawyer usually gets paid from the settlement (court decision on how much you get paid), not in fees.
If your insurer goes out of business, you are covered for unpaid claims up to a limit.
For property insurance, the limit is $250,000.
You can also get back part of your money for premiums you already paid for that year (up to $700).
You may get all of your claim money back after the insurer’s bankruptcy is settled.
You need to get insurance from a new company right away.
For life and health insurance, your insurance will be transferred to another company and you will keep at least 85% of the benefits you had.
If you had deposits with the insurer, you will get up to $100,000 of your money back.
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