The Claims Process
The claims process can be complex. Whether taking legal action or not, your claims professional will walk you through each step and answer any questions you may have. Please ensure you read the process below carefully to understand what may be needed from you.
Report your claim immediately
It’s important that you document all information regarding the incident and submit a claim as soon as possible. To help your dedicated Curo claims professional best understand the incident, ensure you provide details on the third party and any related documentation.
Tip: Ensure your claims professional has your current and preferred contact information at the start of the claims process.
Our claims professional will evaluate, investigate, and work to resolve the claim directly with the claimant or legal representative
Working through a liability claim can be complex and time-consuming. Our role is to work with experts, such as medical professionals, engineers, and lawyers to ensure a fair resolution. We will also look at your coverage to confirm your policy covers all aspects of the claim made against you.
In a case where you’re covered, a resolution is determined, and no legal action is taken, we will clarify who is at fault, determine the value of the claim, and resolve the claim in a timely manner.
If resolution is not attainable and legal action is taken, we will appoint a lawyer to defend you
For up to two and a half years from the time of incident (in most Canadian provinces), you may receive a letter from the third party’s lawyer, such as Statement of Claim, Notice of Civil Claim, or Writ (see Terms to Know webpage for definitions). This document signals the start of a lawsuit.
It is critical that you contact your Curo claims professional immediately to follow strict deadlines to defend your claim. Important: We will need the date, time, and method of service when you received this documentation.
Document exchange
All parties must exchange relevant documents. Your lawyer will reach out to you at this stage in the litigation to ensure that all relevant documents have been collected and to swear an affidavit to that effect.
Examination for discovery
This is when all parties of the lawsuit must meet to provide the lawyers with answers regarding the incident, under oath. If you need to attend examinations for discovery, your lawyer will contact you to discuss the process and timing in more detail.
Mediations, Pre-Trial, and Trial
If a claim cannot be resolved through negotiation, due to unrealistic expectations or disagreements, all parties may be requested to attend mediations, pre-trial, or trial to resolve the claim. If you need to participate in any of these things, your lawyer will contact you to discuss your involvement. Please note: Majority of claims are settled without the need for mediation or trial.
Once a final resolution is reached, Curo will notify you
Lawsuits can be a slow process. But throughout the entire process, we will be work closely with your lawyer to try to resolve the claim as early as possible.