Free Legal Cover
Legal Expense Cover Before the Event
Legal Expenses Insurance covers you in relation to legal costs in either bringing or defending a claim in Court. Before the Event (BTE) Insurance will by definition be in existence before your accident has occurred. If you have had an accident and want to claim against the other side it is important to realise you have total freedom of choice under the Competition Act and also European Legislation to instruct whichever Solicitor you wish and if you have got the benefit of Legal Expense cover either with your Household Contents Insurance or with your Motor Insurance policy or any other Policy for that matter you should resist the temptation of being bullied into using Solicitors who the insurer recommends and you should base your decision on legal representation upon Lawyers who will provide you with the best service solely in your interest.
Legal Expense Insurance typically is added on to the Motor Insurance when you take out Motor Insurance and will cover you in the event that you lose a case and are faced with having to meet the other sides legal bills. Legal Expense Insurance will cover that on the basis that you have complied with all your obligations in notifying them of your case and getting clearance from them to proceed with your claim.
We at The Accident Claim Centre will help you make those checks with any potential BTE Legal Expense insurer and if is there will put it in place for you AT NO COST TO YOU because you have already got the insurance in place. It is amazing how many people have Before the Event Legal Expense Insurance cover but don’t know they have it. We at The Accident Claim Centre will help you and will contact any potential BTE insurer and write to them advising them as to your accident and requesting they confirm in writing that they will cover you for any adverse costs made against you. In most cases the insurer cannot restrict your freedom of choice under Regulation 6 of the Insurance Companies (Legal Expenses Insurance) Regulations 1990 (SI 1990/1159).
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After the Event Insurance
“After the Event” (ATE) Insurance is an Insurance Policy taken out after the accident has occurred and covers you for any legal risks in losing your case. If you don’t have BTE Insurance and your Solicitors will have carried out all those checks it is important that you are fully advised to take out ATE Insurance again protecting you in the event that you lose your action. Remember that if you win your action then your legal costs will be paid by the losing party but if you lose your action then the other side will have won and you will technically be responsible for their legal costs. If you don’t have BTE Insurance in place and have not bothered in taking out any ATE Insurance you will be personally liable to meet the other sides costs at the conclusion of the case if you lose.
Our specialist accident Solicitors have established relationships with a number of ATE Insurance providers who will provide ATE Insurance to you on a deferred basis which means that you do not have to pay up front for any Legal Expenses After the Event Insurance policy and if you win the case this will be paid by the other side so you never have to actually pay for the policy. If you lose the case the other sides legal costs will be paid for by the policy and the premium itself will not need to be paid for by you either.
ATE Insurance arranged in conjunction with your own Solicitors Conditional Fee Agreement will also provide you with cover in relation to your own disbursements as well such as Court fees, medical reports and Barristers fees. With the specialist accident Solicitors that The Accident Claim Centre work with we can guarantee that whether you have got BTE or ATE Insurance provided you will not have to pay any legal costs or expenses whether you win or you lose your case. It is as simple as that. Our Solicitors will in accordance with the Solicitors Costs Information and Client Care code discuss with you legal expense protection at the beginning of your case so you will never be taken by surprise by having to face a legal bill that you cannot manage to pay. The benefits to you of either BTE or ATE Insurance is that you will be given peace of mind in the knowledge that if the worst comes to the worst and you lose your case you will still not be any worse off and you will only have to face the disappointment of losing the case rather than finding money to pay all the legal costs.
To assist you in clarifying whether you have effective BTE (Before the Event) or whether you need ATE Insurance simply complete the form below and submit it to us.