Areas of Practice

Mortgage or Credit Insurance Claims Lawyer Toronto

Toronto Mortgage or Credit Insurance Claims Lawyer

In an unfortunate but not uncommon turn of events, the prudent person who took out insurance on their mortgage or credit line to protect them in case of injury is later denied such protection when an injury or disability occurs

Should that take place, the victim should speak to an experienced personal injury lawyer to contest the decision by the insurance company to deny them their benefits.

Tony Lafazanis has experience in successfully advocating for restoring benefits for those who have been denied them in mortgage or credit insurance claims.

Time Limits

There is a two (2) year time limit from the date of your accident, or injury, to file a claim in Court. If no claim is filed in Court, after the two year mark the right to make a claim will likely be lost. It is very important that you contact us as soon as possible after your accident, or injury, to make sure that the time limit is not missed.

There are a few possible exceptions to the two year time limit that are best explained by us. For example, if the injured person was under the age of majority at the time of the accident, or injury, you have two years from their 18th birthday. In some other cases the date the time limit starts is not on the day of the accident, but the day a person of sound mind should have known they have a claim.

Hiring Tony Lafazanis is risk free. There is no legal bill to pay, if there is no settlement.

Each personal injury case is unique and requires dedication, professionalism, expertise and a personal, hands-on approach.

If you have suffered injury due to the negligence of others, Tony Lafazanis will guide you through every step of the legal process, and ensure you receive the compensation to which you are entitled.

Get a Free Case Evaluation Today

FAQs

1. What is mortgage or credit insurance?

Mortgage or credit insurance is designed to help cover certain financial obligations, such as mortgage, loan, or credit payments, if you experience a covered event such as disability, critical illness, or death. The benefits available depend on the terms, conditions, and exclusions set out in your insurance policy.

2. What should I do if my mortgage or credit insurance claim is denied?

If your claim has been denied, keep a copy of the denial letter and any correspondence from the insurer. Tony Lafazanis can review your insurance policy, assess the insurer’s reasons for denying the claim, and advise you on the appropriate next steps based on your circumstances.

3. Can I challenge an insurance company's decision to deny my benefits?

Yes. If you believe your mortgage or credit insurance claim was improperly denied, you may be able to challenge the insurer’s decision. The available options depend on your insurance policy, the reasons for the denial, and the facts of your case.

4. Why are mortgage or credit insurance claims denied?

Insurance claims may be denied for various reasons, including disputes over policy coverage, eligibility requirements, medical evidence, exclusions, alleged misrepresentations or non-disclosure during the application process, or the interpretation of the policy terms. Each claim should be assessed based on its specific facts and the wording of the insurance contract.

5. Is there a time limit to start a legal claim in Ontario?

Under Ontario’s Limitations Act, 2002, there is generally a two-year limitation period to start a lawsuit. However, the applicable limitation period depends on the circumstances of your case, and your insurance policy may also contain contractual notice requirements or other deadlines. It is important to seek legal advice as soon as possible to protect your legal rights and avoid missing important deadlines.

Areas of Practice

Mortgage or Credit Insurance Claims Lawyer Toronto

Toronto Mortgage or Credit Insurance Claims Lawyer

Each personal injury case is unique and requires dedication, professionalism, expertise and a personal, hands-on approach.

If you have suffered injury due to the negligence of others, Tony Lafazanis will guide you through every step of the legal process, and ensure you receive the compensation to which you are entitled.

FAQs

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1. What is mortgage or credit insurance?

2. What should I do if my mortgage or credit insurance claim is denied?

3. Can I challenge an insurance company's decision to deny my benefits?

4. Why are mortgage or credit insurance claims denied?

5. Is there a time limit to start a legal claim in Ontario?