Denied Mortgage Disability Insurance? Here’s What You Need to Know

Posted on by Taylor and Blair LLP Posted in Insurance DenialTagged ,

If you’ve taken out a mortgage, chances are your lender offered you mortgage disability insurance, a type of creditor protection insurance that promises to cover your mortgage payments if you become disabled and unable to work. While this coverage can provide peace of mind, many policyholders are shocked when their claims are denied at the very moment they need support the most.

Mortgage disability insurance denials are more common than most people realize. The fine print in these policies often hides restrictive definitions of “disability,” vague exclusions, and technicalities that insurers rely on to deny claims.

What Is Mortgage Disability Insurance?

Mortgage disability insurance (also called mortgage protection insurance or creditor disability insurance) is a form of coverage often offered by banks or lenders when you take out a mortgage. The agreement is a simple one: if you become disabled due to illness or injury and can’t work, the … Continue reading

Accidents on the Water: What You Need to Know

Posted on by Taylor and Blair LLP Posted in Personal Injury, Outdoor AccidentsTagged ,

British Columbia’s stunning coastline, lakes, and rivers make it a desired destination for recreational boating, fishing, kayaking, and other water-based activities. However, with the beauty and enjoyment of the province’s waterways comes the risk of serious accidents and injuries. Personal injury claims arising from water-based accidents are complex and often involve multiple legal frameworks, including maritime law, provincial negligence law, and insurance regulations.

Common Causes of Water-Related Accidents in BC

Accidents on the water can result in severe injuries or fatalities, especially when negligence or recklessness is involved. Some of the most common causes of personal injury accidents on BC’s waterways include:

  • Boating Collisions – Collisions between boats, personal watercraft (such as Jet Skis), or stationary objects (like docks or rocks) often occur due to operator negligence. Speeding, impaired operation, distracted driving, and failure to follow navigational rules are frequent contributors. 
  • Alcohol and Drug Use – Operating a
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Legal Rights After an Off-Road Vehicle Accident

Posted on by Taylor and Blair LLP Posted in Outdoor AccidentsTagged , , ,

Off-road vehicles (ORVs) such as ATVs, dirt bikes, snowmobiles, and side-by-sides and recreational utility vehicles provide adventure and recreation for thousands of British Columbians all over the province in all seasons and types of weather. However, these types of vehicles can also pose significant risks when not driven responsibly and their use can lead to serious injuries or fatalities.

If you or a loved one has been injured in an off-road vehicle accident, understanding your legal rights and contacting an experienced personal injury lawyer can be crucial to ensure you get the compensation you are entitled to.

Common Causes of Off-Road Vehicle Accidents

Off-road vehicle accidents can happen for various reasons, many of which involve negligence. Some of the most common causes include:

  • Reckless or inexperienced driving – Many ORV riders lack proper training or operate their vehicles at unsafe speeds. Stunts, aggressive maneuvers, or riding beyond skill levels
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Common Reasons Critical Illness Insurance Claims Are Denied

Posted on by Taylor and Blair LLP Posted in Insurance DenialTagged

Critical illness insurance provides policyholders with a lump sum payment if they are diagnosed with a severe medical condition that is covered by their policy. This financial relief is intended to help individuals manage the costs associated with their illness, such as medical expenses, lost income, and other unforeseen financial burdens. However, not all claims are approved. In Canada, many policyholders find their claims denied due to various reasons, often leading to financial distress and disputes with insurers.

Understanding why claims are denied can help individuals take proactive steps to ensure their claims are processed smoothly. Below are some of the most common reasons critical illness insurance claims are denied in Canada.

1. Pre-Existing Conditions and Non-Disclosure

One of the primary reasons insurers deny claims is the existence of pre-existing medical conditions that were not disclosed at the time of application. Most policies have a pre-existing condition clause, which excludes … Continue reading

The Concept of Reasonable Foreseeability

Posted on by Taylor and Blair LLP Posted in Personal Injury, Personal Injury ClaimsTagged ,

Reasonable Foreseeability is an important concept in personal injury law cases when it comes to establishing liability. A basic tenant of personal injury law is that a person or entity (for example a business) can be held liable for injuries caused by their action (or inaction) if it was foreseeable that those actions (or inaction) could lead to such an injury. The important question to ask is would a reasonable person in the same situation have anticipated that the conduct of the person or entity could have resulted in harm to others. The concept of reasonable foreseeability is a key element in negligence claims where legislation does not dictate fault (for example, in motor vehicle claims where there is legislation that specifically states what motorists can and can’t do in certain circumstances).

The Legal Framework in British Columbia

In British Columbia, in the elements required to successfully bring a personal … Continue reading