Insurance is a contract between the client and an insurance company.  The insurer agrees that if a specified event takes place, it will make a specified payment to the client and/or additional costs.

There are certain obligations on both the insurance company and the person who is insured.  For example, both parties agree to act in “utmost good faith”.  This means that, on the insured person’s part, they must disclose everything and anything to the insurance company which could affect the cover.  On the other hand, if the insurance company is found not to have acted in good faith, a court can award special damages and general damages on top of ordering the insurance company to pay the full claim.

An insurer must act within the bounds of the insurance policy. Quite often there may be an issue as to the way an insurance policy is interpreted.   A dispute with an insurance company is often resolved by negotiation or mediation with the insurer, and often requires specialist legal assistance.

If your claim has been declined or is looking like it might be, contact us as soon as possible to discuss your options.