It can come as a shock when your insurer uses the fine print to knock back your claim. Unreasonably delaying or declining claims can cause stress and hardship.
Taking on a well-resourced insurance company can be daunting. But, with an expert insurance lawyer by your side, it doesn’t have to be. Insurance companies know that Maurice Blackburn will hold them to account if they unreasonably deny or delay your claim. You will have our support and guidance every step of the way. We can help you:
They say you haven’t provided enough evidence to support your claim.
Depending on the type of insurance, you may have to lodge:
They say you have failed to disclose important information.
You must disclose relevant information when you renew or take out a new policy. If your insurer can show that you failed to provide accurate or complete details, they may try to reject your insurance claim.
They say you haven't complied with a condition or an exclusion clause applies.
Insurance policy fine print is often difficult to understand. It’s important to check your policy to find out what conditions and exclusion clauses may affect your claim before you lodge.
They say you have acted dishonestly or fraudulently.
Fraud can have serious legal implications so it’s important to seek legal advice immediately if you're accused of acting dishonestly or carelessly.
They say your policy has been cancelled and the event didn't occur while your policy was active.
Policies are often cancelled when premiums aren't paid in time or if the policy is not renewed at its anniversary.
In general, to dispute an insurer’s decision you will need:
You have the right to challenge a denied or rejected insurance claim.
We offer 'no win, no fee'* for insurance dispute cases. So you don’t have to pay for our legal services if your insurance dispute is unsuccessful.
We'll make sure we know exactly what you’re covered for. We'll give you advice on whether you have a claim and what the outcome should be.
We'll contact your insurer on your behalf and let them know you want to dispute their decision.
You don't have to accept your insurer’s initial decision if it doesn’t solve your problem. We'll follow your insurer’s internal dispute resolution process.
If your insurer can’t resolve your dispute in house, we can lodge a dispute with the Australian Financial Complaints Authority (AFCA) or file a Court case.
Our insurance claim lawyers are experts in getting your full entitlements through your insurance policy.
Our Canberra office is now closed, but our team continues to serve ACT clients and are available for phone and video appointments. If you need legal advice, please call us on 1800 675 346.
We have lawyers who specialise in a range of legal claims who travel to Tasmania. If you need a lawyer in Hobart, Launceston or elsewhere in Tasmania, please call us on 1800 675 346.