Insurance Law Specialists Serving Insurers & Policyholders

First, obtain the insurer’s written reasons for rejection. Insurance companies must provide clear explanations for claim repudiations. Once you understand their position, consult with an insurance lawyer who can assess whether the rejection is legally justified and advise on your options for dispute resolution or litigation.

The Policyholder Protection Rules require insurers to process claims within reasonable timeframes. For short-term insurance, this is typically 30 days from receipt of all required information. For long-term insurance, timeframes vary but unreasonable delays may constitute unfair treatment. If your claim is being delayed, legal intervention can often expedite matters.

Possibly, but only if the non-disclosure was material to the risk and you failed to disclose information that a reasonable person would have known was relevant. Insurers cannot reject claims for minor or innocent omissions. Many non-disclosure disputes can be successfully challenged, particularly where the insurer’s questions were unclear or the policyholder genuinely didn’t understand the relevance.

These terms are often used interchangeably. Both mean the insurer is refusing to pay your claim. The insurer must provide written reasons, and you have the right to dispute their decision through internal dispute resolution, the Ombud, or the courts.

Not without understanding whether it’s fair. Insurers often make initial offers that are lower than what you’re entitled to. Before accepting any settlement, have an attorney review the offer and assess whether you should negotiate for more or proceed with formal dispute resolution.

Absolutely. We represent insurers in defending claims, managing litigation, and ensuring compliance with insurance legislation. Our balanced perspective—having represented both sides—gives us strategic insight into how to protect insurers’ interests whilst maintaining regulatory compliance.