{"id":19039,"date":"2025-07-31T17:23:11","date_gmt":"2025-07-31T11:53:11","guid":{"rendered":"https:\/\/www.jbsagolf.com\/blogs\/?p=19039"},"modified":"2025-10-03T05:00:05","modified_gmt":"2025-10-03T05:00:05","slug":"what-to-do-if-your-bone-injury-claim-is-denied-in-toronto","status":"publish","type":"post","link":"https:\/\/www.jbsagolf.com\/blogs\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\/","title":{"rendered":"What to Do if Your Bone Injury Claim Is Denied in Toronto"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Suffering a bone injury due to an accident can be painful\u2014both physically and emotionally. It becomes even more frustrating when your injury claim is denied, especially if you were counting on that compensation to cover medical bills, lost wages, or rehabilitation costs. If you&#8217;re in Toronto and facing a denied bone injury claim, don\u2019t panic. You still have several options to pursue justice and fair compensation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s what you should do if your bone injury claim is denied in Toronto\u2014and why it\u2019s worth speaking with a <\/span><a href=\"https:\/\/www.affinitylawyers.ca\/personal-injury-lawyers\/break-and-fracture-claim-lawyers\/\"><span style=\"font-weight: 400;\">Broken Bone Fracture Claims Lawyer<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.jbsagolf.com\/blogs\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\/#1_Understand_the_Reason_for_the_Denial\" >1. Understand the Reason for the Denial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.jbsagolf.com\/blogs\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\/#2_Consult_with_a_Personal_Injury_Lawyer\" >2. Consult with a Personal Injury Lawyer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.jbsagolf.com\/blogs\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\/#3_File_an_Internal_Appeal_with_the_Insurance_Company\" >3. File an Internal Appeal with the Insurance Company<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.jbsagolf.com\/blogs\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\/#4_Apply_to_the_Licence_Appeal_Tribunal_LAT\" >4. Apply to the Licence Appeal Tribunal (LAT)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.jbsagolf.com\/blogs\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\/#5_Gather_Strong_Medical_Evidence\" >5. Gather Strong Medical Evidence<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.jbsagolf.com\/blogs\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\/#6_Avoid_Social_Media_Pitfalls\" >6. Avoid Social Media Pitfalls<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.jbsagolf.com\/blogs\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\/#7_Know_the_Limitation_Periods\" >7. Know the Limitation Periods<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.jbsagolf.com\/blogs\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\/#Final_Thoughts\" >Final Thoughts<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Understand_the_Reason_for_the_Denial\"><\/span><span style=\"font-weight: 400;\">1. Understand the Reason for the Denial<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The first step is to carefully review the denial letter or communication from the insurance company. In Ontario, insurers are required to provide written reasons for denying a claim. Common reasons include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Incomplete documentation or missing medical evidence<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Delays in filing the claim<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disputes over how the injury occurred<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-existing conditions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage limitations or policy exclusions<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Understanding why your claim was denied will help you determine the best course of action going forward.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Consult_with_a_Personal_Injury_Lawyer\"><\/span><span style=\"font-weight: 400;\">2. Consult with a Personal Injury Lawyer<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In Toronto, navigating a denied injury claim can be complex, especially if you\u2019re unfamiliar with insurance laws or accident benefits under Ontario\u2019s Statutory Accident Benefits Schedule (SABS). A skilled personal injury lawyer can help you:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review your case and denial letter<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gather additional evidence<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">File an internal appeal<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Represent you in negotiations or court if necessary<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Many Toronto personal injury lawyers offer free consultations and work on a contingency basis, meaning they only get paid if you win your case.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_File_an_Internal_Appeal_with_the_Insurance_Company\"><\/span><span style=\"font-weight: 400;\">3. File an Internal Appeal with the Insurance Company<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Most insurance companies have internal appeal procedures. You typically have 30 to 90 days to submit an appeal, depending on the insurer\u2019s policy. When appealing:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide all necessary medical records, X-rays, MRI scans, or doctor&#8217;s notes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Include a detailed narrative of your injury and recovery process<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Attach witness statements if relevant<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Correct any errors or omissions from the original claim<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Even if you feel confident in your appeal, having legal guidance during this process can increase your chances of success.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Apply_to_the_Licence_Appeal_Tribunal_LAT\"><\/span><span style=\"font-weight: 400;\">4. Apply to the Licence Appeal Tribunal (LAT)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If the internal appeal doesn\u2019t work or the insurance company refuses to negotiate, you have the right to escalate the matter to the Licence Appeal Tribunal (LAT) in Ontario. This body handles disputes related to accident benefits and denied insurance claims.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The LAT process includes mediation, case conferences, and possibly a hearing. While it\u2019s possible to represent yourself, claimants often benefit from having a lawyer or paralegal assist them in presenting a strong case.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Gather_Strong_Medical_Evidence\"><\/span><span style=\"font-weight: 400;\">5. Gather Strong Medical Evidence<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Your medical documentation is often the most critical part of your case. To build a compelling claim or appeal, make sure to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get a clear diagnosis from a qualified medical professional<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Follow through with treatment plans, physiotherapy, or surgery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Obtain written opinions from orthopedic specialists, if possible<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Track all related expenses and limitations in daily life<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In Toronto, where wait times for specialists can be long, it\u2019s essential to keep all records and maintain consistency in your treatment to avoid undermining your claim.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"6_Avoid_Social_Media_Pitfalls\"><\/span><span style=\"font-weight: 400;\">6. Avoid Social Media Pitfalls<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Be cautious about what you post online while your claim is under dispute. Insurance companies in Ontario are known to monitor social media for evidence that could contradict your injury claims\u2014such as photos of physical activities or vacations. A single post can be misinterpreted and used against you.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"7_Know_the_Limitation_Periods\"><\/span><span style=\"font-weight: 400;\">7. Know the Limitation Periods<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ontario law sets strict time limits for filing lawsuits or appeals related to denied claims. In general:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have two years from the date of the injury (or the date of denial) to file a civil lawsuit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">LAT applications must be filed within two years of the denial as well.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Missing a deadline can mean losing your right to compensation entirely, so act quickly.<\/span><\/li>\n<\/ul>\n<ol start=\"8\">\n<li><span style=\"font-weight: 400;\"> Stay Organized and Document Everything<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Keep a file of all correspondence, medical reports, bills, and journal entries related to your injury. This will help you stay organized during appeals or legal proceedings and will strengthen your credibility.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span><span style=\"font-weight: 400;\">Final Thoughts<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Having your bone injury claim denied in Toronto isn\u2019t the end of the road\u2014it\u2019s just a bump along the way. With the right strategy, <\/span><a href=\"https:\/\/darkgray-pelican-245271.hostingersite.com\/blogs\/law\/page\/2\/\"><span style=\"font-weight: 400;\">proper legal support<\/span><\/a><span style=\"font-weight: 400;\">, and persistence, you may still recover the compensation you deserve. The key is to act quickly, gather solid evidence, and understand your rights under Ontario law. Whether you resolve the issue through appeal or litigation, don\u2019t give up on your claim without a fight. You\u2019ve already suffered the injury\u2014you shouldn\u2019t suffer financially too.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Suffering a bone injury due to an accident can be painful\u2014both physically and emotionally. It becomes even more frustrating when your injury claim is denied, especially if you were counting [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":37117,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19],"tags":[],"class_list":["post-19039","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-law"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What to Do if Your Bone Injury Claim Is Denied in Toronto - JBSA Golf<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.jbsagolf.com\/blogs\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What to Do if Your Bone Injury Claim Is Denied in Toronto - JBSA Golf\" \/>\n<meta property=\"og:description\" content=\"Suffering a bone injury due to an accident can be painful\u2014both physically and emotionally. It becomes even more frustrating when your injury claim is denied, especially if you were counting [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.jbsagolf.com\/blogs\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\/\" \/>\n<meta property=\"og:site_name\" content=\"JBSA Golf\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-31T11:53:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-03T05:00:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.jbsagolf.com\/blogs\/wp-content\/uploads\/2025\/07\/scott-graham-OQMZwNd3ThU-unsplash-1024x684-1024x585-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"585\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Lucaa\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lucaa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\\\/\"},\"author\":{\"name\":\"Lucaa\",\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/#\\\/schema\\\/person\\\/28ae58e605fb952cdc63c0e215f1d0c9\"},\"headline\":\"What to Do if Your Bone Injury Claim Is Denied in Toronto\",\"datePublished\":\"2025-07-31T11:53:11+00:00\",\"dateModified\":\"2025-10-03T05:00:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\\\/\"},\"wordCount\":783,\"image\":{\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/scott-graham-OQMZwNd3ThU-unsplash-1024x684-1024x585-1.jpg\",\"articleSection\":[\"law\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\\\/\",\"url\":\"https:\\\/\\\/www.jbsagolf.com\\\/blogs\\\/what-to-do-if-your-bone-injury-claim-is-denied-in-toronto\\\/\",\"name\":\"What to Do if Your Bone Injury Claim Is Denied in Toronto - 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