What happens if we refuse to cooperate with the Insurance Company because we do not agree with the way they are handling the claim?

Coverage can be refused. It is the responsibility of the Insured to cooperate with the Insurance Company defending and/or settling a claim. After all it is the Insurance Company’s money paying the defence and claim settlement. The statutory conditions under the Insurance Act allow insurers to decline coverage if the insured individual, organization, or event refuse to assist and/or cooperate in the investigation and defence of a liability claim.