Below we have three recent personal injury case studies where Temple provided ATE cover for claims involving a road traffic accident, a workplace injury, and asbestos-related illness. Each example highlights how our support helped claimants confidently pursue their case.
Personal Injury Road Traffic Accident Claim: Mr X
What happened? The Claimant (Mr X) was a driver who was involved in an accident. His vehicle was hit in the rear while stationary at traffic lights and injuries suffered to his neck and shoulder along with travel anxiety. Liability was admitted.
Mr X’s solicitors made offers of settlement, but these were disputed and lower counter offers were made. His solicitors then issued proceedings in an attempt to settle the dispute over the value of the Claimant’s General Damages.
Temple provided the Claimant with legal expenses insurance to cover the claim for adverse costs should they not be successful in beating any offers made by the defendant’s solicitors.
This gave the Claimant the opportunity to pursue their claim in the full knowledge that he has protection for any adverse costs as well as assisting him with disbursements such as the court fee if required in bringing his case.
Temple also offered to assist with any proposed mediation if it was required as an alternative way of achieving a settlement.
Matter value: £30k.
Case status – settled.
Team member involved: Matthew Best, Director ATE Partnerships.
Personal Injury Employers Liability Claim: Ms X v Y Company
What happened? The Claimant scalded her hands while at work. Liability was admitted by her employer.
The solicitors had already obtained medical report and opinion from counsel prior to approaching Temple for ATE; there was an issue regarding causation of the development of complex regional pain syndrome and proceedings were issued.
Temple was asked and agreed to provide ATE insurance for the claimant from adverse costs and disbursements in the event the claim was unsuccessful. The claim was successful.
Matter value: £10k.
Case status – settled for £6,000.
Team members involved: David Stoker – Senior Underwriter.
Personal Injury Industrial Disease Claim: Mr X (deceased) v Company
What has happened so far? The deceased was employed and undertook general labour. He worked on and around asbestos lagged steam pipes, brushing down steel work and pipework in preparation for painting, cleaning and painting vessels which were lagged with asbestos insulation.
The deceased removed asbestos lagging in preparation for the pipes to be repaired/maintained.
Following years of this exposure, the deceased was diagnosed with an asbestos-related illness and sadly passed away. A claim is now being brought on behalf of his estate and dependants for compensation relating to the illness and death caused by prolonged occupational exposure to asbestos.
Temple was asked and agreed to provide ATE insurance for the deceased’s family for protection from adverse costs and disbursements in the event the claim is unsuccessful.
Matter value: £90k
Team members involved: Matthew Best – Director ATE Partnerships
To read more personal injury case studies click here
