Insurance law

Insurers sometimes refuse to pay legitimate claims by invoking contractual exclusions or technicalities.

Our expertise includes:

• Legal analysis of grounds for refusal;

• Challenging unjustified claim denials;

• Interpretation of ambiguous clauses;

• Recourse for insurer’s bad faith;

• Formal notice and settlement negotiation;

• Representation before the courts.

Common grounds for refusal:

• Invoking contractual exclusions;

• Allegation of misrepresentation;

• Contesting the causality of the loss;

• Insufficient damage assessment;

• Abusive invocation of reporting deadlines.

Insurer’s bad faith: An insurer may act in bad faith by refusing a legitimate claim or unduly delaying settlement. If this is the case, punitive damages may be claimed.

A well-prepared insurance claim maximizes the chances of obtaining fair compensation.

For Policyholders:

• Preparation and submission of insurance claims;

• Comprehensive documentation of damages and losses;

• Assessment of the scope of insurance coverage;

• Negotiation with insurance adjusters;

• Challenging inadequate compensation offers;

• Obtaining independent expert opinions if necessary.

For Insurers:

• Analysis of claims and validation of coverage;

• Defense against excessive or fraudulent claims.

Types of claims covered: Home, auto, business, professional liability, life, and disability insurance.

Our lawyers can assist you from the moment of loss declaration to protect your rights and optimize claim processing.

When negotiations fail, legal action may be necessary.

Our lawyers’ expertise in insurance litigation covers:

• Formal notices and preliminary procedures;

• Assistance during statutory examinations;

• Drafting and filing of legal proceedings;

• Representation before civil courts;

• Advocacy and legal arguments.

We prioritize out-of-court settlements first, but we do not hesitate to defend your rights before the courts to obtain the compensation you deserve.

Understanding your insurance contract is essential to know the scope of your coverage.

Our services include:

• Review and interpretation of insurance policies;

• Analysis of clauses, exclusions, and conditions;

• Advice on the adequacy of coverage;

• Identification of coverage gaps;

• Ensuring contracts align with actual needs.

Principles of interpretation: In Quebec, insurance contracts are contracts of adhesion. Ambiguous clauses are interpreted in favor of the insured. Exclusions must be clear and obvious to be enforceable.

We help you understand your contractual rights and identify the remedies available in the event of a dispute with your insurer.