When the Insurance Company Denies Your Claim: Next Steps for Accident Victims in Ontario

July 17, 2025, Kitchener, Ontario

Posted by: Robert Deutschmann, Personal Injury Lawyer

Insurance companies often deny or delay personal injury claims for reasons ranging from lack of evidence to disputes over fault. For injured Ontarians, a denial can be stressful—but it’s not the end of the road.

At Deutschmann de Koning Personal Injury Law, we guide clients through the insurance appeals process and, if necessary, prepare cases for court.

Common Reasons for Claim Denials

Insurance companies may deny claims due to:

• Insufficient medical documentation
• Disputes about the cause of injury
• Missed deadlines or paperwork errors
• Allegations of fraud or exaggeration

Understanding why your claim was denied is the first step to fighting back.

What You Can Do Next

If your claim is denied, you should:

• Request a written explanation from the insurer
• Gather additional medical evidence or expert opinions
• File an appeal within the insurer’s process or with the Financial Services Regulatory Authority of Ontario (FSRA)
• Consult a personal injury lawyer promptly

How Deutschmann de Koning Law Helps

We help clients:

• Prepare strong appeals backed by medical and legal evidence
• Negotiate with insurers on your behalf
• Represent you in disputes before FSRA or court

Don’t accept an insurance denial without exploring your rights. Contact Deutschmann de Koning Personal Injury Law at ddinjurylaw.com to discuss your case for free.

About Deutschmann de Koning Law

Deutschmann de Koning Law serves South-Western Ontario with offices in Kitchener-Waterloo, Cambridge, Woodstock, Brantford, Stratford and Ayr. The law practice of Robert Deutschmann and Nick de Koning focuses almost exclusively in personal injury and disability insurance matters. For more information, please visit www.ddinjurylaw.com or call us at 1-519-742-7774.