![]() ![]() Please refer to the following list, which is maintained by the Superintendent of Insurance: In Alberta, all insurers are required to have an ombudsperson. If the claim is still not settled, contact your insurer’s complaint liaison officer or ombudsperson. If settlement of the claim cannot be agreed upon with the adjuster, contact the adjuster’s claims supervisor or manager. Option 1: Dealing with your insurerĬontact your adjuster, review what is delaying the settlement of the claim, and come to an agreement on a plan to get the claim back on track. When issues, concerns, and disagreements arise, the following options are available. There are a variety of steps you can take to resolve an outstanding insurance claim with your insurance provider. Getting your insurance claim settled Know your options Be specific about the agreed action and the timelines. If there is an action expected following a conversation, send a confirmation letter to the company. If you phone a company or attend a meeting, keep a record of the date, the name of the person you spoke to and the main issues raised by both of you. Make copies of all correspondence and official documents you send to the company. Website: For travel, life, accident and sickness, and other private health insurance, contact the OmbudService for Health and Life Insurance: They will mediate between insureds and insurers, but do not have the ability to order settlement of a claim or provide a legal opinion about policy coverage.įor general insurance, such as home, automobile and commercial insurance, contact the General Insurance OmbudService: These services are free of charge, and help address consumer concerns about claims, interpretation of policy coverage, and policy processing and handling. The process must also include membership in an independent ombudservice, which is an independent organization that helps consumers resolve disputes or concerns with their insurance company. Alberta Insurers: List of Complaint liaison officers / ombudspersons, including contact information (PDF, 352 KB).This process must include a company ombudsperson (please refer to the following list, which is maintained by the Superintendent of Insurance): next steps if the complaint remains unresolved.Keep in mind that all insurance companies are required to have a complaint process that includes providing information on: Know your rights about filing a complaint. If new issues arise while the complaint is going through the process, it helps to reduce confusion and delays if you submit a new complaint for the new issue. Put down the facts in a logical order and provide relevant information and copies of documents.Īvoid unnecessary detail and repetition. You need to identify the problem, state why you think it's a problem and set out what you would like to happen. Be clear about the problem and what you would like to see happen in the futureĪ formal complaint often requires that you make a complaint in writing. However, if you are not satisfied with the response you receive, make a formal complaint. If addressed early, many problems can easily get sorted out. Often, problems arise due to misunderstanding or miscommunication between individuals. If you do, you are following too closely.Īt a vehicle speed of 55 mph, the three-second rule creates a gap of 243 feet between cars.įor additional driving tips: click here.(Source: Canadian Council of Insurance Regulators) If you think there's a problem, ask for an explanation from your insurer as soon as possible ![]() You should not reach the object before you count to … 1,003. The first second is your reaction time the next two seconds account for your braking distance ![]() When the vehicle ahead of you passes a stationary object, start counting: 1,001 … 1,002 … You should add more time if the road is slippery, if you’re being crowded by a tailgater, if you’re towing a trailer or if you’re driving a large truck. The “three-second rule” accounts for your reaction time to the movements of the vehicle ahead and your vehicle’s stopping distance. Use the “three-second rule” to help prevent rear-end accidents! If you have no at-fault accidents and no moving violations over a 6 year period of time, then you should be rated as a state best, “99” driver. ![]() It’s important to have a good driving record. The best, most experienced drivers get the best auto insurance rates in Massachusetts. ![]()
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