1. Ask questions
compensation is always based on the clauses in your compress. The first step is therefore to ask the claims adjuster questions in order to clearly understand the insurance company ’ s rationale. For case, which clause is the insurance company basing its decision on, or how is the compensation calculated ? The claims adjuster ’ sulfur character is to explain the claims process to you and give you detailed information on the coverage your compress provides, vitamin a well as its limits and exclusions .
Did you use a broke to purchase your insurance ? speak to her about your situation to see if she can help you resolve the write out .
2. Provide explanations and make a case for your viewpoint
talk to your claims adjuster about your disagreement and the extra information you will need to give him to make him change his heed. You may have to provide extra supporting documents to prove your sheath. If your disagreement concerns :
- The amount of compensation offered: you will have to find comparables.
- The specialist’s report that the claims adjuster mandated during the course of his investigation: you may have to mandate another specialist, at your own cost, to get a second opinion.
3.Negotiate a new settlement
Show your claims adjuster new data, negotiate the compensation or ask that he review his stead .
4.Complain to the insurer
If you can not settle the site with the claims adjuster or his supervisory program, you may file a written charge with your insurance company ’ south complaints department. data on the complaints routine is available on the websites of most policy companies. If need be, ask the claims adjuster to whom you should address your charge.
5.Transfer the file to the Autorité des marchés financiers
If the complaint is calm not resolved, you can ask to have your file transferred to the Autorité des marchés financiers. This organization will analyze the file and, depending on the position, may offer services to help settle the challenge between you and the insurance company. To find out more, go to the Authority ’ s web site .
6. Go to court
Insureds who feel that they have been wronged in a site involving wrong insurance—in detail, if they wish to receive monetary compensation—may consult a lawyer to see whether or not recourse in civil court is an choice.
Insureds whose claim is for less than $ 15,000 can besides go to belittled claims court. Two information sheets for consumers are available from the Small Claims Division of the Court of Quebec : one for plaintiffs and the early for defendants.
File a complaint with the Chambre de l’assurance de dommages
Any insured who has concerns about whether a wrong indemnity professional ( agent, agent or claims adjuster ) is in compliance with his or her ethical obligations, may file a complaint with the Syndic ’ mho Office of the Chambre de l ’ assurance de dommages. however, filing a charge with the Syndic ’ s Office of the ChAD will not enable you to recover any money that you feel you are owed, nor will it enable you to settle a dispute with an insurance company. Read the section on how to make a complaint .