CASE EVALUATION

Case Evaluation

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Insurance Lawyers in Hamilton and Toronto

insurance claim contract excess policy signInsurance is designed to help provide financial security and protection for some of life’s toughest experiences. It is not only meant to give you peace of mind as a policy holder but should also come through and deliver should you need to make a claim. Your insurance policy may also need to help cover any costs you may be at fault or liable for, such as car accidents or accidents occuring on your property.

If you find yourself having problems with your insurance company providing the coverage you think you deserve contact Michael’s Law Firm for a case evaluation. You likely are not fully “on your own” like your insurance company is telling you.

Contact Our Insurance Lawyers at Michael’s Firm
or Call 647-495-8995

Our Insurance Coverage Litigation Services

At Michael’s Law Firm we specialize in several areas of Insurance Law including:

  • Accident Benefit Claims (“No Fault” Claims)
  • Disability Insurance Claims
  • Home Insurance Claims (including Fire, Theft, Flood or Water Damage, Storms)
  • Insurance Broker Negligence
  • Life Insurance Claims
  • Property Insurance Claims
  • Business Insurance Claims

Why Was My Insurance Claim Denied?

Insurance coverage is dependent upon a number of technical factors including:

  • Wording of the policy
  • Type and cause of loss
  • Reasonable expectations of the parties
  • Developing body of case law
  • Suspicion of fraud

In handling insurance coverage cases in Ontario our insurance lawyers start with the proposition that the loss is covered, then look to the policy for support thereof. Most recently, Michael Lesage drafted the successful appeal in 1422253 Ontario Limited v. Coachman Insurance Co.2013 ONSC 5740.[1]

Get the Legal Help Your Deserve

Give our Toronto and Hamilton insurance lawyers a call at 647-495-8995 before you accept the conventional wisdom that the loss isn’t covered and that you’re on your own.

For close to ten years founding lawyer Michael Lesage has been handling insurance coverage cases at both trial and appellate levels.

Remember, we provide Case Evaluations and there are no fees unless we win or settle your case.


[1]Argued at Court by Chris Richard.

Frequently Asked Questions About Insurance Coverage Litigation

If your insurance claim in Toronto is denied, the first step is to understand why. The insurance company should provide you with a written explanation for the denial. If not, request one. Once you understand the reason, you have a few options: appeal the decision using the insurance company’s internal process, file a lawsuit, or negotiate a settlement. Consulting with an experienced insurance lawyer can provide guidance and help ensure you receive all benefits you’re entitled to.
An insurance lawyer can assist with your claim by helping you understand your policy, guiding you through the claims process, reviewing your forms and documents, and dealing with the insurance company on your behalf. This support helps ensure your application is complete and accurate, potentially leading to a successful claim. If your claim is denied, an insurance lawyer can advise you on the best course of action, whether it’s appealing the decision, negotiating a settlement, or filing a lawsuit. They can also represent you in any legal proceedings, aiming to get you the compensation you deserve.
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