Has your claim been rejected or reduced?
Rejection or reduction of a claim can be contested by reference to IDR, Insurance Ombudsman or the Courts. CMA can advise on the best remedy available and assist in completing submissions for legal or other assistance.
The insurance policy is a legal contract containing many enforceable legal obligations breach of which may entitle the Insurance Company to reject or reduce your claim. Nevertheless the Insurers rights are subject to many limitations as may be contained in the Insurers Code of Practice, The Insurance Contracts Act, The Trade Practices Act, other statutes and Insurance Precedents.
The insurer’s decision should always be reviewed in the light of the protection afforded to Policy holders by Insurance Law and Practice. A number of forums are available for obtaining such a review including:
- The Insurers Internal Dispute Resolution Procedure
- The Insurance Ombudsman Service
- Consumer Tribunals
- Local Courts
Some of which are available at no cost to the Policy holder.
CMA can assist in reviewing your particular claim and providing advice as to the most suitable venue for obtaining a review of the decision. CMA can also assist in preparation of factual material in support of the claim and presentation of the submission for review.
COSTS
CMA offers several arrangements for payment of costs details of which are available upon application. Note.
If the review is successful such costs are often recoverable from the insurer Arrangement include:
- NO win, NO fee
- Hourly rate
- Fixed lump sum fee