Products & Services
DASliving
- A policyholder is undergoing a separation with his spouse. How can he ensure more time with his children than one weekend out of two?
- An insured noticed a huge increase in her rent. How can she find out the allowed percentage of increase for this year and if her landlord can increase the rent by this much?
» More Examples
Claims Examples
1. Employment Disputes
- A policyholder believes that his recent dismissal was made on a wrongful basis.
- An insured has a walking disability but her employer has moved her office to an area she cannot readily access.
- An insured applies for a job and meets all the conditions but he does not get an interview as was promised to everybody who met the criteria. He thinks he wasn’t given an opportunity for an interview because of his ethnic origin.
It is not uncommon for lawyers to perform this work on a contingency basis which means that a lawyer will take a percentage (range 25% - 40%) of what is successfully recovered. Keep all of your hard earned money to yourself with a DAS policy.
2. Contract Disputes
- An insured just got back from a disappointing all-inclusive holiday that was not as advertised and wants a refund. While the indication was that the vacation was for 8 days, it neglected to mention the last night’s hotel accommodation was not included.
- An insured is having a dispute with a contractor she hired to replace a bathroom.
- The manufacturer refuses to repair a faulty product a policyholder just bought from it.
3. Bodily Injury
- An insured slipped and fell on a puddle of water at the grocery store. There were no signs warning of a wet floor and he sprained his ankle as a result of the fall.
- The City was doing construction work and a policyholder tripped on some debris that was on the sidewalk near the construction site.
- An insured’s child was injured while playing on unsafe schoolyard equipment.
- An insured is injured following an attack by a dog.
Absent this policy, lawyers usually charge a percentage of the damages (ranging from 25% to 40%) as a charge for their services. Although a contingency fee agreement does not require an initial outlay, it can get very expensive. With a DAS policy and a small premium we cover the legal costs with you NOT having to worry that a lawyer will take a cut upon resolution.
4. Property Protection
- A neighbor has cut down the common hedge.
- A neighbor is constructing a shed that partially sits on a policyholder’s land.
- The neighbor’s teenage son plays loud music till 3 in the morning and has not responded to requests to stop.
5. Tax Protection
- An insured has received a notice of tax audit.
- An insured works in Canada and in the UK. She paid taxes in the UK and used the money paid as a credit when filing her taxes in Canada. CRA want confirmation and documentation to support that credit.
6. Employee Legal Defence
- A nurse administers an injection and accidently kills the patient. As a result, she is charged with manslaughter.
Advice Examples
- A policyholder’s brother died and left no last will or testament. He had no spouse or children. How should his estate and assets be settled and divided?
- What type of behaviour is considered harassment?
- How can an insured obtain a power of attorney over his/her father’s assets?
- How can a policyholder find out about how much support payment he has to pay to his ex-wife?
- Are there any income tax consequences regarding a recent inheritance?
- Is it possible to cancel the sale of a house? What are the consequences of declaring bankruptcy?
- A policyholder wants to learn more about family mediation.
- An insured believes she has been wrongfully dismissed.
- A policyholder needs assistance with litigation regarding the Workers Compensation Act.
- A landlord has not honored his commitment to provide quiet enjoyment of the premises.