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Insurance Defense involves legal representation of insurance companies and policyholders in cases where claims are brought against them. This can involve personal injury claims, property damage, professional liability, or any type of claims involving insurance coverage. Within Calgary, the practices of insurance defense are guided by both provincial and federal Canadian law with extensive case law shaping the interpretation and application of relevant statutes.
Insurance cases can be complex and involve a high financial stake. Hiring an insurance defense lawyer can help you navigate through this complexity, ensuring that your rights are protected. Common situations where legal help may be required include: if a claim has been made against you or your business, an insurance company has refused to cover your claim, you've been implicated in a case of fraud, or if you're an insurance company needing to verify the validity of a claim.
Calgary, and the province of Alberta, operate under the Insurance Act. This legislation establishes parameters for all aspects of insurance operations - from contractual matters to procedural. It's important to note that both provincial and federal legislation such as the Personal Information Protection and Electronic Documents Act (PIPEDA) may apply in these cases, especially concerning privacy and sharing of data.
If a claim is made against you or your business, consult with a legal professional immediately to understand your rights and obligations under your insurance policy, as well as the relevant laws in effect.
If your insurance claim is denied, you may have the right to challenge the refusal. A lawyer can guide you through this process and advise on the legality of the denial.
In certain cases, you can sue an insurance company for acting in bad faith. Cases of bad faith can include undue delay in handling claims, refusal to pay a claim without a reasonable basis, and failure to properly investigate a claim.
An insurance defense lawyer's main role is to defend insurance companies or insured individuals from claims and lawsuits. They also provide legal advice on various matters related to insurance law, contractual obligations, and liabilities.
Yes, insurance law can be complex and a lawyer specialized in this field will have the necessary knowledge and experience to navigate through, understand the complexities, and advocate effectively on your behalf.
The Law Society of Alberta provides a list of lawyers specializing in insurance law and the Alberta Insurance Council regulates the province's insurance industry's conduct. The Canadian Bar Association also offers resources on insurance law and a directory of certified specialists.
If you require legal help in insurance defense, the first step is to consult with an insurance defense lawyer as soon as possible. Prioritize lawyers who specialize in the area of law relevant to your claim. Consultations are usually done initially to understand your situation, provide initial advice, and discuss representation options and costs.
