Legal cover for car insurance - Buy separately?

Quentin

BertTheRaccoon wrote: »

Those are the cases where the solicitor makes proper money in the event that your own client stands to be awarded 30% of liability and the other side are refusing liability in full.

Every case is considered on it's own merits.

It's no surprise to see you "conveniently" miss the point.

If the op is involved in a claim with eg 50/50 liability he cannot get a no win no fee outfit to get him back his half of his excess!

But his "legal expenses" cover will.

You call that "racket"??

BertTheRaccoon

I can see no reason whatsoever why a no win no fee outfit would not act for a client on a 50/50 liability case so I'm struggling to see your point Quentin.

The only time that your analogy would apply would be in the event of a non-injury claim, where a LEI funded client would stand a better chance of having representation.

We act for clients that are not LEI covered and only have small claims losses to recover though. In fact, we have to write off counsel's fees when we have a successful small claims court trial and win as counsel's fees are not recoverable within the small claims track.

Quentin

BertTheRaccoon wrote: »

We act for clients that are not LEI covered and only have small claims losses to recover though..........

More touting!

How cynical can you get.

Where does telling us what you do for clients help the op? Or contribute anything "helpful" at all, but just another free plug for you and your company!

You do have a vested interest in contributing what you insist is "helpful" info into this thread, wonder why you choose not to declare it yet happily tell us what your firm would do!!

Quentin

BertTheRaccoon wrote: »

I can see no reason whatsoever why a no win no fee outfit would not act for a client on a 50/50 liability case so I'm struggling to see your point Quentin.....

Thought I'd spelt it out:

If the op is involved in a claim with eg 50/50 liability he cannot get a no win no fee outfit to get him back his half of his excess

Say the op's excess is £100, you seem to be saying a no win no fee company would act and get his £50 back for him??

BertTheRaccoon

Quentin, just leave me alone.

You are just deliberately trying to be argumentative and provoke a situation.

I am not touting and could only give an example of what some no win no fee firms do.

Can we draw a line under this as it is just petty squabbling now. You clearly have an issue with me and that is obvious.

TheAllanCadenhead

I like to be as helpful as I can so here goes (this is help guys, don't take it personally, and I mean everything with good intensions)

[quote=[Deleted User];56405299]Insurance is only £130/year (car worth £500) which is why I'm not so keen on £30 for legal cover.[/QUOTE]

Your car may only be worth £500 but if you're carrying £400 worth of xmas shopping in the boot and someone goes into you.. £30 is a small price to pay!

BertTheRaccoon wrote: »

You just seem a little annoyed by my presence and I hope this is something that will pass.

I stand by my lengthy post above and I don't doubt that other persons in the insurance business would agree with me that the selling of motor legal protection insurance is just a moneyspinner and a claims capture mechanism. Rarely is an actual indemnity granted for reasons I have pointed out already.

This is a common mis-conception. Legal cover, Personal Accident, Breakdown Cover, Any sort of additional extra for a cost is exactly like a life jacket - You will probably never EVER need it. But when you do it is so much help.

Legal protection covers for Uninsured losses and RECOVERS (keyword there) any losses. You can't MAKE money on this, nor can you claim for more than you have. It simply recovers any unnecassery costs like travel expensives, loss of earnings, etc. So it is deemed a complete rip-off if you enver have an accident. But if you do and you use it you'll be thankful.

I really hopes this helps.

TheAllanCadenhead

Quentin wrote: »

Thought I'd spelt it out:

This is provocative. Please refrain

BertTheRaccoon wrote: »

You are just deliberately trying to be argumentative and provoke a situation.

Can we draw a line under this as it is just petty squabbling now. You clearly have an issue with me and that is obvious.

It's good to resolve any personal issues with MSE members. It's best just to not reply, or at best keep it to PM. THe last few posts have not been very informative or relative to the OP.

Can't have smoke without a fire.


If anyone is unsure of the MSE forum rules please refer to the 'ETIQUETTE' part above the user toolbar.

Thanks.

Quentin

BertTheRaccoon wrote: »

Quentin, just leave me alone.

You are just deliberately trying to be argumentative and provoke a situation.

I am not touting and could only give an example of what some no win no fee firms do.

Can we draw a line under this as it is just petty squabbling now. You clearly have an issue with me and that is obvious.

No, you didn't tell us what "some" firms do, you only told us what your firm does.

The OP asked about the "legal expenses" cover we can buy as add-ons to our insurance.

Your response was to slam this cover as a "racket", and push your own company via a link (even though you knew that was against the rules), then get round your ban by undertaking not to push your business only to promptly advertise to us what your company does.

You then "struggled" to see the valid point I made that add on legal expenses would act to get back £50 excess if necessary for the OP - clearly not something a no win no fee would do, though you try to tell us your firm would!

Instead of replying/debating the issue you now ask to be "left alone"??

InsideInsurance

gets the popcorn out :beer:

BertTheRaccoon

I do stand by that no-win no-fee companies would assist a claimant at seeking recovery of their excess on a 50/50 case.

At the end of the day, acting for somebody in relation to a claim is a "shop window" for both claims management companies, solicitors, and also insurers. That customer/client who you help on a case that does not earn you any money may well return one day with more business or recommend you.

By the way, I was not pushing what my other business does. i was speaking from my desk at a law firm where I work, not from an accident management company. "we" i.e my employer act for many clients whom we are referred by their broker when they have omitted to take out legal cover, but still want assistance after a collision. On many occasions "we" have recovered uninsured losses for clients who did not have LEI cover within the small claims environment.

How can I be promoting my company when nobody knows who/what my company are, other than you, who evidently with some others trotted off to do a companies house search when I appeared under my previous name.

Can we call this matter concluded as far as the situation with my company is concerned?