Personal Injury Claim?

Templar_62

I'm considering going forward with a (genuine) injury claim against a coffee chain for significant burns caused by one of their staff that rendered me incapable of using my hands for nearly two months, but need advice on whether I'm being conned by the 'no win, no fee' claim company I'm using, who are trying to push me towards taking out insurance in case I lose, at a cost of nearly £800 - can anyone help or tell me where I should be posting this thread on the forum, as I can't seem to find a section that is appropriate.

lorweld

MOVING THREADS FOR BETTER RESPONSES


Hi, Martin’s asked me to post this in these circumstances: I’ve asked Board Guides to move threads if they’ll receive a better response elsewhere(please see this rule) so this post/thread has been moved to another board, where it should get more replies. If you have any questions about this policy please email [EMAIL="abuse@moneysavingexpert.com"]abuse@moneysavingexpert.com[/EMAIL].

Robert_Sterling_3

What costs will you have if it is "No Win No Fee"

geri1965_2

It's pretty standard to take out a policy which will cover the costs if you lose the case - if you win, the other party will reimburse it.

Do you have any access to legal cover elsewhere - Trade Union, or legal expenses under your household policy?

SolicitorMidlands

A firm should not be charging you for insurance. Look elsewhere.

geri1965_2

SolicitorMidlands wrote: »

A firm should not be charging you for insurance. Look elsewhere.

So who would normally pay for the ATE premium?

shadsy

Hi

I'm not a solicitor but work in the costs department of a PI firm and get q's like this all the time!

If you don't have any Legal Expenses Insurance (i.e. with car insurance etc.) or Trade Union cover then as far as I am aware most firms will take out an insurance policy to cover their costs should you lose the case.

If you win the case you will not have to pay the premium back, the person you are claiming against will pay it.

If you lose your case you will have to pay back the premium but will not have to pay your solicitors costs as the insurance will cover it. If the solicitors don't take out insurance then you would be responsible for all of their costs if you lose which could run into thousands!

Your solicitor must think you have a good chance of success otherwise they would not take on your case, however, they obviously can't guarantee that you are going to win!

By the sounds of it you have a good claim and deserve compensation for your injuries!

In the event that you did lose I'm sure your solicitor would let you pay back the insurance in installments.


Hope this helps!

shadsy

Just re-read your post. Are they asking you for the money to pay for it? They should be able to set up some funding to pay this for you.

geri1965_2

shadsy wrote: »

If you don't have any Legal Expenses Insurance (i.e. with car insurance etc.) or Trade Union cover then as far as I am aware most firms will take out an insurance policy to cover their costs should you lose the case.

So the solicitors will take out the policy on the claimant's behalf, and pay for it? What guarantee do they have that the claimant will pay them back if the claim is lost?

SolicitorMidlands

My firm does not charge client's for ATE premiums. Nor did my last firm. Both of those firms are in the top 5 PI firms in the Midlands.

Find a firm that does not charge you. If you win your case, the premium is recovered from the Defendant . If you lose then certainly my firm's do not pay the insurer the cost of the premium. The insurer accepts that they will lose some but then they can't really take issue seeing as though the firm will be giving them 1m pounds worth + of recovered premiums each year.

SolicitorMidlands

geri1965 wrote: »

So the solicitors will take out the policy on the claimant's behalf, and pay for it? What guarantee do they have that the claimant will pay them back if the claim is lost?

As long as you comply with the policy and the CFA, the Claimant will NOT get charged.