When the insurer becomes the opponent
Insurance is a promise you paid premiums for, and denial is often a negotiating tactic rather than a final answer. We act on denied and terminated long-term disability claims, cut-off accident (Section B) benefits, undervalued property of claims tied to injuries, and life and critical-illness denials.
Common insurer moves: surveillance and social-media fishing, paper reviews by doctors who never examined you, "any occupation" reassessments engineered to terminate benefits, and endless document demands designed to exhaust you.
Deadlines in denial cases are treacherous
Limitation clocks in insurance disputes can run from the denial, not the accident, and policies impose their own internal deadlines, some very short. If you have received a denial or termination letter, the time to get advice is now, not after the internal "appeal" the insurer invites you into, which often just burns your clock.
Alberta Accident Law works on a full contingency basis: you pay nothing unless we win. There are no hourly rates, no retainers, and no bill if your claim does not succeed. Your case review is free, confidential, and carries no obligation, so finding out where you stand costs you nothing.
Bad faith has consequences
Alberta insurers owe a duty of good faith. Where a denial is not just wrong but unfair in how it was handled, courts can award damages beyond the policy benefits. We assess every denial for both the coverage claim and the conduct claim.
Under Alberta's Limitations Act you generally have 2 years from the date of the accident to start a claim, and some situations carry much shorter notice deadlines. Evidence also degrades quickly: skid marks fade, camera footage is overwritten, and witnesses forget. Edmonton injury lawsuits are filed at the Edmonton Law Courts downtown on 97 Street, in the Court of King’s Bench of Alberta. Smaller claims may proceed in the Alberta Court of Justice. The sooner we start, the stronger your position.