Discovering that your insurance claim has been denied can feel like a punch in the gut. Whether you’re relying on a claim for disability benefits, home insurance, or health coverage, a denial can leave you stressed and wondering where to turn. The good news is that a denied claim doesn’t have to be the end of the road. Here’s what to do next, and how the right legal support can make all the difference.
Understand Why Your Claim Was Denied
First, don’t panic. Take time to carefully read the denial letter. Insurance companies are required to provide clear reasons for denying a claim. Common reasons include missing paperwork, incomplete information, or a determination that your situation doesn’t meet the policy’s requirements.
Gather More Information and Evidence
Next, gather all relevant documents. Double-check your original application to see if anything was missed or unclear. This might include:
- Medical reports and assessments
- Expense receipts
- Proof of loss or damage (for property claims)
- Correspondence with your insurer
A well-prepared file can strengthen your appeal.
File an Appeal or Request a Review
Most insurance policies have a built-in appeals process. Deadlines can be strict, so be sure to follow them.
If your claim is for auto insurance through ICBC, you may also have the option to ask ICBC for an internal review of your denial or dispute the decision through the Civil Resolution Tribunal (CRT).
Know Your Legal Rights
Insurance companies don’t always get it right. In more complex cases (for example, bad faith, unreasonable delays, or unfair treatment), it’s wise to get legal advice. An experienced insurance or disability lawyer can help you:
- Interpret your policy or relevant legislation
- Communicate with the insurer
- Gather and present stronger evidence
- Represent you at a hearing or in court if needed
Get Support
Beyond legal action, remember there may be other provincial programs and benefits available, such as:
- WorkSafeBC benefits if your disability or illness is work-related.
- Employment Insurance (EI) sickness benefits if you’re temporarily unable to work.
- Supplementary benefits under the BC Medical Services Plan (MSP), including premium assistance or health supplements.
These supports can help bridge financial gaps while you fight your denial.
A denied claim can be discouraging, but many people successfully overturn rejections with persistence and the right help. Legal professionals understand the fine print and know how to hold insurers accountable.
If you’re facing a denied insurance claim or have questions about your rights don’t hesitate to reach out for guidance. The sooner you act, the better your chances of turning a “no” into a “yes.”