Is my insurance company allowed to treat me poorly?

Both you and your insurance company have a mutual duty of good faith to act in the best interests of each other, as you both work to protect what is most important.

As a policyholder, you have certain rights when interacting with your insurance company. The insurance company has a duty to act in good faith and cannot exploit their power to treat you unfairly. This means that they must be fair and honest in all interactions with you.

Practically-speaking, this means that your insurance company must:

  • Return your phone calls or emails on a timely basis
  • Explain any complicated forms
  • Clearly explain any denial decision that they have made
  • Provide you with details of how they have made their decision
  • Provide you with copies of documents in their possession
  • Provide you with a copy of the insurance policy (on your request)
  • Hire competent and unbiased medical assessors

Insurance companies are known to violate policyholders’ rights. If you are experiencing issues with your insurance claim in Thunder Bay or Northwestern Ontario, contact White Macgillivray Lester LLP for assistance. Our attorneys have extensive experience handling a wide range of insurance claims, including Accident Benefits (for car accidents), Long-term Disability Benefits, and Property Insurance. We can help you navigate the process and advocate for your rights.