In many cases you will be insured for claims made against you, in which case you ought to refer them to your insurer immediately. We have a niche practice representing insurance companies and business clients in relation to defending personal injury and other liability claims (please see Insurance litigation.)
In some situations you may need to instruct us to defend a claim directly on your behalf or to deal with an insurance related claim. We have the experience and resources to deal with a wide variety of insurance issues, ranging from small claims that are settled without recourse to litigation, as well as high value disputes with complex points of law requiring settlement by the courts.
No Insurance Cover
You may have received a claim in relation to which there is no insurance cover. There can be many reasons for this. It may be that the insurance company is unable to provide you with cover (see Cover disputes). It may be that the claim relates to an event which occurred a long time ago and you have no record of your insurance cover. This is common in claims such as those arising from asbestosis and hearing loss, but can also occur with other types of claim.
The first step in dealing with these situations is to determine whether there are any insurance policies available which may provide full or partial cover. For historical events we are able to instruct insurance archaeologists on behalf of our clients who will undertake searches to determine whether a policy was in place and, if so, with whom. There have been several instances where suitable insurance cover has been found to have existed at the time of the incident, despite the policyholder not being aware of this fact.
Alternatively, it may be the case that you simply did not purchase insurance because you had not contemplated the risk which has given rise to a claim. You may also have had insurance cover in place but there may have been a gap in that cover whereby you were not covered on the date when the event giving rise to a claim occurred.
In these situations we can advise you on your available options and we can also assist you in personally defending claims should the need arise.
We can also assist with other matters including: