I despise Commercial Union for many reasons. For yrs my family went to court to get our claim- We won every time while Commercial Union kept appealing. Court trials can ruin your life- Take it from someone who knows. And that is exactly what happend to my family- It was all a game for Commercial Union. While they kept appealing it brought my family into emotional despair- Eventually driving my father to suicide. I actively speak out against Commercial Union and have tried to be silenced many times. I ask that if you are insured by Commercial Union- To look up their records and see how corrupt they really are. They have destroyed many lives including my own. I would ask that you find a trustworthy insurance company- Unlike Commercial Union and their owners- Lloyds of London. Get out while you can- I wish my family would have. I write thsi on the day my father commited suicide- And this is due to the tactics done by Commercial Union/Lloyds of London.
1. An insurer may be acting in bad faith if the insurer delays, discounts or denies payment without a reasonable basis for its delay, discounting or denial. 2. Failure of insurer to acknowledge and reply promptly upon notification of a covered claim. 3. Failure of Insurer to pay a covered claim as a result of failing to do a proper, prompt and thorough investigation as to reasonable liability and damages based upon all available information. 4. Failure of insurer to affirm or deny coverage of claims within a reasonable time upon receipt of claim and/or proofs of loss. 5. Failure to offer or attempt to effectuate prompt, fair and reasonable evaluation of damages and equitable settlements of claims to insured within a reasonable time where liability is reasonably clear. 6. Insurer attempts to settle a claim for less than the amount to which a reasonable person would have believed was entitled or attempts to substantially diminish a claim requiring an insured to initiate litigation. 7. Attempting to settle claims on the basis of an application and/or policy which was altered without notice, knowledge or consent of the Insured. 8. Making payment(s) for claims without accompanying statement indicating the coverage for which payment(s) are being made. 9. Insurer failure to make known any arbitration award appeals policy in an attempt to settle a claim for less than the arbitration amount awarded. 10. Insurer requiring claimant or physician to submit both a preliminary claim report and formal proof of loss forms which contain substantially the same information. 11. Failure of insurer to promptly settle claims, where liability and coverage is reasonably clear under one portion of the insurance policy in order to influence settlements of coverage for another portion(s) of the policy. 12. Failure of insurer to promptly provide reasonable explanation and basis when denying or making a compromise offer of claim settlement. 13. Failure of insurer, when making a cash payout to settle a first party auto insured claim, to pay the same amount which the insurer would pay if repairs were made. 14. Requesting over burdensome documentation demands not required by the policy. 15. Reference or focusing on recovering on the uninsured portion of the loss. 16. Using illegal and fraudulent investigative methods and procedures. 17. Using harassing, intrusive or demeaning investigative methods and procedures which victimize the insured. 18. Failure of an insurer to settle a claim directly, when and where settlement is required, and instead requiring the insured to pursue a claim against another party first before offering settlement. 19. Failure of Insurer to make full and satisfactory payment of a first party claim prior to requiring settlement or exhausting the limits of a third-party insurer (i.e. in uninsured motorist cases). 20. Failure of Insurer to unreasonably refuse to waive subrogation thus hindering or preventing a claimant from reaching settlement with the party at fault (i.e. in uninsured motorist cases). 21. Unjustified contention and/or "lowballing" regarding the value of a loss. 22. Intentionally withhold, misinterpret or misconstrue claims information and/or failure to not inform insured of provisions and covered benefits under the policy pertinent to a claim. 23. Attempts to use indiscriminate measures, reference and/or procedures that diminish or reduce the top line amount or value representing full payment of the claim. 24. Intentional or irresponsible non-disclosure and withholding of information, misinterpretation of file documents and/or policy provisions, that would be in favor of the claimant. 25. Unsubstantiated and unwarranted accusations of arson. 26. Wrongful threats not to pay claims. 27. Utilization and/or development of deceptive insurer schemes or use of outside company services set up or conducted to carry out the same false pretense schemes (i.e. "Independent Medical Examiner Paper Reviews") for the purpose to be able to wrongfully deny or reduce payment of claims. 28. Insurer advice to claimant not to hire a lawyer. 29. Treatment of insureds represented by attorneys as insurer adversaries. 30. Treatment of insureds and claimants as adversaries. 31. Significant increase in amount of premium as a result of making a claim where insured was not at fault and in conflict with industry standards. 32. Cancellation of a policy as a result of making a claim or result of an accident where insured was not at fault and in conflict with industry standards. 33. Failure to live up to, conform or comply to industry standards. 34. Using inaccurate or wrongful information of a factual or legal nature to diminish, deny or delay payment of a claim. 35. Not being forthcoming with facts regarding coverage to deny, delay or reduce the amount of the claim. 36. Using extreme undue persecution, wrongful and victimizing tactics and actions, meant to crush, threaten, thwart, intimidate, oppress, in order to scare away and get the claimant not to make or pursue a claim. 37. Failure to convey to insureds settlement offers and demands of adversaries in accident and liability cases. 38. Changing or altering policy coverage without informing or receiving the consent of insured. 39. Representation by an insurer that an investigation "of fact" is taking place, knowing that no investigation is being done, in order to intentionally stop and dismiss an inquiry by a plaintiff, plaintiff's attorney or DOI examiner. 40. Biased investigation of that which is supposed to be neutral and unbiased. 41. Utilization of internal one-sided or outside companies biased schemes, such as in so-called "IME" bias (independent medical examiner bias), which are supposed to be objective and neutral, in order to wrongfully enable, facilitate and support insurer's position to fraudulently deny, reduce or discontinue payments of claims. 42. Repeated and constant reference and intentional miscommunication and misrepresentation by insurer downplaying the size of a claim to insured's attorney. 43. The same claims person of an insurer handling conflicting and both sides of the same or related claims. 44. Deviating from standard procedures called for in an insurer's claims manuals. 45. Attempting to prevent the court or an insured's attorney with due exception from securing a copy of an insurer's claims manual. 46. Abusing and/or misusing the judicial court system in order to delay or settle in good faith payment of a claim where liability to the claim is clear and amount of the claim is reasonable in order to delay insurer's having to make payment of a claim. 47. Fraudulently misrepresenting and revealing various conflicting financial information that mischaracterizes the true financial information and status of an insurer. 48. Attempting to shift blame and responsibility of investigation to insured and away from the insurer. 49. Threatening to harm insured and/or take legal action against an insured to recover amounts paid by insurer as in a short-term workmen's compensation or short-term disability claim in order for insurer to discontinue having to make payment on a longer or long-term basis. 50. Insurer refusal to settle a third party claim against an insured within the limits of the insured's policy thereby exposing the insured to additional liability. 51. Intentionally misinterpreting or misconstruing the law to the disadvantage of the insured and benefit of the insurer. 52. Deny treatment for a covered health benefit because of its expensive cost and instead misrepresenting and suggesting a less costly procedure in its place to be just as effective when it is not. 53. Unreasonable denial of a covered health benefit because of its high cost. 54. Unreasonable misinterpretation of policy language. 55. Taking undue excessive advantage of unlimited time when knowing there may be no time limitations established on alleged investigations of such matters or matters of fact. 56. Making health insured patients pay their standard copay when the cost of both the drug and the pharmacy's fee for dispensing the managed care prescription is lower than the copay amount. 57. Causing health insureds to pay a copay that is higher than what the cost of the prescription is to the insurer because of common secretive rebate deals between insurers and drug manufacturers which subsequently are not disclosed and therefore do not accurately represent the true cost of the drug. 58. Health insurers not acting in the best interests of the patient and/or acting for their own self-enrichment at the health expense and disadvantage of the patient. 59. Some health insurer secretive deals are alleged to result in the health insurer selection of a more expensive drug to be on their list of acceptable drugs ("Formulary list"), services or procedures deceptively generating greater insurer profits, excessive higher costs to patients and illegally billing federal Medicare or state Medicaid programs. 60. Good faith insurers look for and find ways to accept and pay claims properly and promptly ... Bad faith insurers unlawfully look for and find ways to not pay, delay, diminish, disapprove and deny payment of claims.
IF YOU USE A CONTRACTOR PROVIDED BY YOUR INSURANCE COMPANY,MAKE SURE TO GET A GUARANTEE OF QUALITY INWRITING FROM THE CONTRACTOR AND YOUR INSURANCE ADJUSTER.OTHERWISE,GET YOUR OWN CONTRACTOR! have both the contractor and your adjuster sign statements guarenting that the job will be done in a satisfactory manner and to the acceptable standards of the construction industry. Also make note if the contractors prices are a bid which guarentees that the contractor will do the listed repairs for the prices listed. If it is only an estimate make sure in writing that the adjuster recognizes the price may increase as it is only an estimate. Also note on the scope that hidden damage may exsist and damages overlooked may be added. Keep everything in writing or tape recorded! Often preferred contractors intentially limit the scope or under bid causing problems for you and your Insurance Co.
Law Note - The Painful Birth of the Bad Faith Tort: Adjusters Note The Ontario Court of Appeal recently confirmed, in Lowe v. Guarantee Co. of North America et al. (“Lowe”), that there is a tort of bad faith that permits personal claims against insurance adjusters in certain circumstances. A “bad faith” claim against an adjuster must assert not merely carelessness in the processing of a claim, but also bias, delay and a lack of fair dealing and fair play such that the adjuster had abandoned his or her role as objective intermediary between insurer and insured in the investigation and assessment of the claim, and acted in such a partisan fashion in denying the claim as to have intentionally induced the insurer to breach its obligation of good faith and fair dealing with the insured, made defamatory statements, acted deceitfully, intentionally inflicted mental suffering or otherwise acted tortiously. At present, only conventional torts have been covered under the rubric of “bad faith,” just as the equitable duty of privacy, intentional infliction of mental distress and trespass have all been pressed into service to cover an area of “privacy” by other names. However, it is only a matter of time before “bad faith” comes into its own as a tort in its own right, just as “negligence” subsumed various medieval nominate actions “on the case.”
CGI Insurance Business Services likely has information on you that you would be shocked to find out. CGI has records on your health, your claims, your driving history. You can try to access your records from this site http://portal.cgi-ibs.com/en-ca or http://portal.cgi-ibs.com/en-CA/Lib...umerReports.htm How to order your Consumer AutoPlus reportor Consumer HITS report: Print and complete the request form by clicking on the Consumer AutoPlus Report Order Form link below. Note: Requests will only be processed when received on this form. Send your request by one of the options below: · Fax: 1-514-415-3989 · Mail: CGI Technical Assistance Centre 1350 Rene-Levesque West, 7th Floor Montreal, PQ H3G 1T4 · Scan and email: insurance.helpdesk@cgi.com You can also request what CGI calls HITS...Habitational Insurance Tracking System. This is a consumer report on any property claim you have made complete with what claims were paid, what adjusters were paid and possibly rate you as a high risk to insure causing you higher premiums! This is more information posted from a different forum: There is a company called CGI that represents itself to the Canadian public as an information technology company when in fact it is much much more. It represents the financial interests of at least 17 major insurance companies in Canada and is in partnership with many others. CGI is paid $100s of millions of dollars each year to aggressively defend against claims and lawsuits filed against Canadian insurance companies, even to fight against potential claims before they are even filed. We have abundant evidence that they do this in ways that Canadians would be shocked to find out about. CGI has extensive contracts with the Federal and provincial governments in Canada that allow them full access to Canadians’ private and personal records and information, including health records. We have evidence that health records have been altered to defend against claims and lawsuits filed by Canadians. When Canadians are sent for IMEs relating to insurance claims, CGI has influence over those health professionals. CGI was behind the push for electronic health records and has extensive contracts relating to this in Canada, so it can get access to Canadians’ health records and defend against claims filed. This is just the tip of the iceberg of information we have. The only way to stop this situation is to expose it and inform the public, so that they can take action to stop it. Through its links to Bell and Bell GlobeMedia, CGI was involved with the ownership of the media in Canada, including TV stations and newspapers, making it impossible to get this story out so far.
The number one item next to your insurance policy is a tape recorder. If you have any clam tape record all conversations wth Insurance Co. and adjusters. In Canada it is pefectly legal to tape record your phone conversations without the other party knowing. Even if you totally disagree with the adjusting practices and experts retained by your insurance company, you must allow the insurance company a chance to either make it right or screw it up. , record (without their knowledge) any and all conversations you have with insurance company staff and/or experts. And, make a log of events as they occur. Memory can fade over time and what does not seem important at the time may be a critical piece of evidence later. Document everything you can (audio taped conversations, video tapes of inspections by insurance contractors/experts, keep a log of developments and communicate via certified or faxed letter to adjuster or supervisor) in order that evidence is preserved should you need it later. Unless otherwise instructed by your attorney, do not withhold information necessary for the proper adjustment of your claim. If consequential damage arises out of an insurance company's action (or delays), be sure to inform, in writing, the insurance company so that they are put on notice. If this information is not made known, you cannot blame the insurance company for further delays. Give them the rope and let them hang themselves. Do not falsify documents to bolster your side of things. If the facts work against you, do not stoop to such conduct. Rarely are there cases where the policyholder resorts to fraud but when such conduct arises, it is usually out of retaliation for fraud committed by the insurance company. Again, let the insurance company be the only one resorting to that conduct. They will hang themselves with that rope.
my daughter andher friend stolen my car well i was at work and my ins company has an invesagter to do his job but he said to me off the record i was not going to get my claim for the two girls that stoled my car and rack it up still waiting to hear from them ie been pay my ins for my carnow and in the passed for yrs why should i pay for someone eles mistake how much longer will i have to wait for these ins they want your moeny right away but its different when they own it to you yes im still waiting also i gather up all the info for this man made his job easyer and im still waiting for the word if i get my ins claim even know it was not my fault this happen ihave to pay some some dum kids ideas is that fair ya they want your moeny but when it time to pay out that different storey
I can see the suffering but I refuse to have them do it to me. I was in a motorcycle accident, they denied me income replacement but then when I sent a copy of the insurance act I was found to qualify. Even as the act says paid within 10 days of the accident it took aviva From Aug 31 to Dec 24 to mail me a payment on my claim. They then proceeded to cut me off without notifying me. I was told by Julie M in the barrie office that her workload was over 130 cases and there was a computer glitch. She issued me a cheque for a month and then told me I didn't qualify again. All this time I was struggling to catch upon bills. Having cut me off also made me unable to pay my auto insurance, guess who with you guessed it Pilot a sister company to aviva. I guess they will use any tactic they can to mess up your life. When dealing with the ombudsman Gary Traynor I was told that my claim number didn't exist in their records unreal. I am currently waiting response. I will not give up, next step is a the Media, my records a second to none the truth is easy to see in my case and Im going to show everyone just how these people should be listed as organized criminals. All of them guilty by association.
Last March I filed a small theft claim with Economical Insurance. I received a letter from Economical Insurance Group stating that they were not renewing our policy because they considered us to be a high risk. I wasn't given any answers as to what this high risk constituted and the underwriters report didn't give the information either. Our broker, Access Insurance, told me that they would continue to insure us for 800.00 + dollars a month. I told them that we couldn't afford that so they wouldn't renew the policy. I then started looking for another company that would carry us...I found none because of the underwriters report of high risk. We are once again looking for home insurance and there are few that will carry us. I understand and will pay an increase for insurance, but I cannot even do this. Can't find anyone to carry us. This has been our one and only claim and look what happened because we made one ligitimate claim.
I have filed a law suit against The Personal Insurance Company for breach of fiduciary duty and negligence. Looking for other people who would like to sue them and make it a class action. Contact me at mamikakaza@yahoo.com. Thank you.
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