Decoding the Denial Letter How to Turn an Insurance Rejection into a Successful Appeal

Decoding the Denial Letter: How to Turn an Insurance Rejection into a Successful Appeal

An insurance denial transforms a contractual relationship into a legal contest. In Ontario, particularly under the Statutory Accident Benefits Schedule (SABS), reversing a denial requires a dual strategy: first, testing the procedural validity of the denial itself; and second, dismantling the substantive rationale used to justify the refusal.   In this article: I. Procedural Integrity…