u/Professional-Rub3739

My brother was in an accident and found 0% at fault. Appraisal was done and the claim seemed approved. Days later, the insurer moved the file to Investigative Services, revoked the rental and paused the claim.

The trigger seems to be that his licence address was changed to a Brampton address a couple days before the accident. He didn't get around to reporting the address change to the insurance company before the accident happened.

He does have a sublet in St Thomas and can provide the lease agreement for it, but honestly he alternates between St Thomas and staying at my place in Brampton because of work proximity. For the past 8 months it's been more Brampton than St Thomas tbh, which is why he was updating the licence in the first place; the accident timing was just a coincidence.

The insurer is now demanding: notarized Proof of Loss, black box/airbag module download, the sublet agreement, 6 months of debit and credit card statements, and 6 months of detailed cell phone records with location data (all marked Required). Which we both know will only validate their doubts.

Questions:

1. Are 6 months of phone location records a "reasonable" request, or overreach?
2. How do insurers treat split residency like this? I
3. Realistic outcomes; denial, re-rating with back premium, something else?
4. Should he get a lawyer/paralegal before complying, especially before any examination under oath?

My brother was in an accident and found 0% at fault. Appraisal was done and the claim seemed approved. Days later, the insurer moved the file to Investigative Services, revoked the rental and paused the claim.

The trigger seems to be that his licence address was changed to a Brampton address a couple days before the accident. He didn't get around to reporting the address change to the insurance company before the accident happened.

He does have a sublet in St Thomas and can provide the lease agreement for it, but honestly he alternates between St Thomas and staying at my place in Brampton because of work proximity. For the past 8 months it's been more Brampton than St Thomas tbh, which is why he was updating the licence in the first place; the accident timing was just a coincidence.

The insurer is now demanding: notarized Proof of Loss, black box/airbag module download, the sublet agreement, 6 months of debit and credit card statements, and 6 months of detailed cell phone records with location data (all marked Required). Which we both know will only validate their doubts.

Questions:

1. Are 6 months of phone location records a "reasonable" request, or overreach?
2. How do insurers treat split residency like this? I
3. Realistic outcomes; denial, re-rating with back premium, something else?
4. Should he get a lawyer/paralegal before complying, especially before any examination under oath?

My brother was in an accident and found 0% at fault. Appraisal was done and the claim seemed approved. Days later, the insurer moved the file to Investigative Services, revoked the rental and paused the claim.

The trigger seems to be that his licence address was changed to a Brampton address a couple days before the accident. He didn't get around to reporting the address change to the insurance company before the accident happened.

He does have a sublet in St Thomas and can provide the lease agreement for it, but honestly he alternates between St Thomas and staying at my place in Brampton because of work proximity. For the past 8 months it's been more Brampton than St Thomas tbh, which is why he was updating the licence in the first place; the accident timing was just a coincidence.

The insurer is now demanding: notarized Proof of Loss, black box/airbag module download, the sublet agreement, 6 months of debit and credit card statements, and 6 months of detailed cell phone records with location data (all marked Required). Which we both know will only validate their doubts.

Questions:

1. Are 6 months of phone location records a "reasonable" request, or overreach?

2. How do insurers treat split residency like this? I

3. Realistic outcomes; denial, re-rating with back premium, something else?

4. Should he get a lawyer/paralegal before complying, especially before any examination under oath?

I recently graduated from Seneca College's Practical Nursing program with a 3.3 GPA and one failed course on my record. I'm planning to bridge into RN soon.

I'm genuinely grateful for how far I've come and proud to have finished the program. Still, I can't help wondering if I've squandered my shot at expanding my scope into RN, since most bridging programs require a 75% average or 3.5 GPA.

Has anyone been in a similar spot? Did the lower GPA or failed course actually hurt your application, or were schools more flexible than expected?