Insurance Claims

Unfortunate Accidents.

Claim with your insurance company, for unfortunate accident including:-

Motor vehicle accident (M.V.A) causing permanent /serious impairment due to the negligence or fault of another driver
Personal injury due to a fall caused by ice, unsafe construction, property debris or poor property maintenance
Personal injury to retail or commercial location, parking lot or private property
Personal injury at your workplace or in the performance of your employment duties
Spouse, parent, caregiver, child or sibling of a person who has been injured or fatally injured in an accident or mishap
PLS is here for:-

      • Medical, Rehabilitation & Attendant Care benefits
      • Medical & rehabilitation benefits
      • Caregiver benefits
      • Home Maintenance Expenses Income Replacement benefits
      • Death & Funeral benefits
      • Non-earner benefits
      • Housekeeping & home maintenance
      • Educational Expenses Benefits
      • Visitor expense benefits
      • Damage to Clothing
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Workplace Safety & Insurance Benefits (WSIB) / Disability & Insurance benefits

PLS Services represents employers & injured workers at tribunals. We negotiate for clients through mediation or arbitration, file WSIB claims,
  & educate businesses on how to effectively & efficiently manage WSIB claims.
Anyone injured while in the course of employment
Employer has WSIB coverage
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PLS is here to claim benefits for:-

      • Loss of earnings
      • Non-economic Loss
      • Loss of Retirement Income
      • Future Economic Loss
      • Health care
      • Seriously injured workers

Property / Home Insurance Claims

Home Insurance Claims (HICs)

HICs can be an extremely complex process for Ontarians. A house is usually one of our largest & most valuable investments which makes the need for our services to protect your investment & rights even higher. PLS can assist with HICs by communicating with insurance companies & third parties on behalf of clients; filing the HIC & secondary reports; negotiating settlements with insurance companies; and, as a final step, representing the HIC in court to reimburse the client. The following information is general information only & should not be construed as comprehensive, complete, or as a substitute for legal advice. Please contact a legal professional for a consultation so you are aware of your complete rights & obligations.

On Deductibles.

Most insurance claims are subject to a deductible which is the initial amount of every claim that is paid by the policyholder. Deductibles help make insurance more affordable for everyone by eliminating minor nuisance claims. Keep the amount of your deductible in mind when making a claim. If a policy has a $500 deductible, for example, you would receive only $100 for a $600 claim.

Reporting & Submitting Claims.

It is important that claimants understand there are stringent regulations & timelines on reporting & submitting claims for property damage. Damages must be reported to the insurance company within 48 hours. If there has been theft or burglary the police must be notified as well. HICs are complex & made more difficult by the chaos of a client being temporarily homeless, so we recommend clients get professional legal advice. Without proper advice, a claimant may not only miss out on important facts & legal rights, but also risks being awarded a much-reduced settlement.
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