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Legal Expenses Insurance...

You may have a Policy prior to the accident, which will cover your legal costs. Alternatively you may take a Policy out afterwards. Legal Insurance will normally cover you against having to pay the legal costs of pursuing a case.

This can be full cover - where the Insurance covers your legal expenses as well as the expenses of the other party, or adverse cover - where the Insurance will not cover your own Solicitor's costs. In cases where only adverse cover is available your Solicitor should agree to act under a "No Win No Fee" agreement (Conditional Fee Agreement).

Pre-Existing Insurance

If you already have a Policy of Legal Expenses Insurance at the time of your accident then your insurer will almost certainly appoint a Solicitor for you. It is a gamble as to the Solicitor you are appointed. Some are very good, some are not so good, but for many of them, the only concern is settling the case so that they can be paid. You will probably be advised by your insurer that you have to use the Solicitor appointed by them. This is simply not true. You have an absolute entitlement to instruct any Solicitor you wish and if you are not happy with the Solicitor they appoint then you are entitled to change.

If the case is difficult, some legal expenses insurers are likely to withdraw cover. Often the rejection of the case will be on the advice of your appointed Solicitor. Just because they are not prepared to back your case does not mean you have no case. We often take over successful claims where the appointed legal expenses insurer's solicitor has said there is no case.

After-the-Event Insurance

If you do not already have a Legal Expense Insurance Policy in place then, as long as you have reasonable prospects of succeeding, an After-the-Event Insurance Policy can be obtained for you. To ensure that you do not have to cover any Court costs, we take out an 'After the Event' (ATE) Insurance Policy on your behalf. This type of Insurance Policy is specifically designed to protect clients whose claims are potentially unsuccessful. The cost of the ATE InsurancePpolicy is deferred until the end of the case. If the compensation claim is successful, the opposition covers the cost. If the case is lost, no payment is required, as the premium is self insuring.

If we pay your medical fees, Court fees and other expenses (known as disbursements), the ATE Insurance Policy will cover the costs of these if the case is lost. If you win, then these expenses will be paid by the losing party ensuring that the service is completely free to you. We offer a no-obligation initial consultation. If it goes no further there is no charge .

Please contact Peter Hale on 0161 439 0999 or at p.hale@halesolicitors.co.uk

We Cover the following;

• Accident or illness overseas
• Catastrophic Injury
• Clinical Negligence
• Industrial Disease
• Military Injury
• Product Liability
• Personal Injury
• Accident at Work
• Criminal Assault
• Injury in public places (slips/trips)
• Sporting Injuries
• Road Traffic Accidents
• Personal Injury Settlements

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