RTA insurers/solicitors personal injury

InsideInsurance

Did you not attempt to do the same with the provider of the legal expenses cover?

davendebs

InsideInsurance wrote: »

Did you not attempt to do the same with the provider of the legal expenses cover?

swintons "legal cover" will only proceed with 100% guaranteed wins

the 3rd party have to admit fault
you have witnesses
etc etc

swinton are the worst insurance company i have ever dealt with, for a hell of a lot more reasons than this,

OnanTheBarbarian

So you are with the solicitors that your own insurers have appointed to recover their own outlay and the solicitors (quite correctly) have asked you if you have any uninsured losses that need to be included within the court proceedings that they are looking to take against the third party?

As such, the solicitors would need to come to their own funding arrangement with you which would either be no win- no fee with a 25% success fee being deducted from your injury compensation, or a private retainer, which would have you potentially responsible for their fees at an hourly rate (which would easily eclipse the value of your claim)

The terms of the Swinton legal expenses policy are a disgrace if they will only take on cases with 100% prospects of success. Usually is it "reasonable prospects" / which often means better than 50% chance of recovering damages.

InsideInsurance

davendebs wrote: »

swintons "legal cover" will only proceed with 100% guaranteed wins

the 3rd party have to admit fault
you have witnesses
etc etc

swinton are the worst insurance company i have ever dealt with, for a hell of a lot more reasons than this,

Swintons are a broker rather than insurance company.

The insurer for the legal expenses cover is Covea Insurance and the terms state reasonable prospects of success not 100%

davendebs

OnanTheBarbarian wrote: »

So you are with the solicitors that your own insurers have appointed to recover their own outlay and the solicitors (quite correctly) have asked you if you have any uninsured losses that need to be included within the court proceedings that they are looking to take against the third party?

As such, the solicitors would need to come to their own funding arrangement with you which would either be no win- no fee with a 25% success fee being deducted from your injury compensation, or a private retainer, which would have you potentially responsible for their fees at an hourly rate (which would easily eclipse the value of your claim)

The terms of the Swinton legal expenses policy are a disgrace if they will only take on cases with 100% prospects of success. Usually is it "reasonable prospects" / which often means better than 50% chance of recovering damages.

yes thats correct.

- swinton were the brokers and they were the ones i had legal cover with.

my insurance company, covea - i have been told owned by swinton?? - total opposite, sorted my car as it wasn't driveable, and went straight ahead with 3rd party 100% at fault (fully comp insurance)

InsideInsurance

davendebs wrote: »

my insurance company, covea - i have been told owned by swinton??

Its not a company I know well but they are a massive French insurer who bought up a number of UK insurers to create an arm here. They certainly arent owned by Swinton

davendebs

InsideInsurance wrote: »

Its not a company I know well but they are a massive French insurer who bought up a number of UK insurers to create an arm here. They certainly arent owned by Swinton

ok - i cant remember where i got that from but swinton definitely push them

both the missus and i, and the in laws were through swinton last year and all were with covea and all got the same type of renewals as well

your renewal = £** with covea
alternative quote =£ ** 10p cheaper with covea

then they take your renewal a month before its due, new policy, that you have to make sure you claim back when you cancel......

hang on we're going off the subject

InsideInsurance

You dont need to preach to me about how bad Swinton are, thats well known. But if you bought their legal expenses cover for £30 then check that policy as the one on their site is also from Covea and is reasonable prospects of success (ie 51% chance)

TrickyWicky

Sheesh... someone cut their knee in a RTC, saw the doctor who confirmed it was a cut and now they want £Mega...

Seriously the NHS nearly killed me last year. I got £0, yes thats right, nothing and thats despite taking 3 months just to stand up straight again and needing another 3 operations to put me right.

Get over it. Be grateful that you didn't need an ambulance and time off work.

Quentin

davendebs wrote: »

swintons "legal cover" will only proceed with 100% guaranteed wins

the 3rd party have to admit fault
you have witnesses
etc etc

swinton are the worst insurance company i have ever dealt with, for a hell of a lot more reasons than this,

If what you say is correct you have grounds for complaint.

When we take out motor insurance then one of the conditions we agree to is that in the event of any incident we don't admit liability.

Thus no-one with swinton legal cover will ever be claim against it as third parties would breach their policy conditions by admitting "fault".