Personal Injury ATE Insurance – FAQ’s
We add your questions about ATE/litigation insurance to our website – the latest ones are at the top.
This insurance covers the claimant’s own reasonable disbursements, such as court issue fees and expert fees, which are incurred while pursuing a legal claim.
In addition to these disbursements, ATE insurance provides crucial protection against the risk of having to pay the opponent’s legal costs. The insurance safeguards claimants from liability for the opposing party’s costs if the claim is unsuccessful by providing cover to pay opponents costs from the date of the ‘Part 36’ offer up to and including the trial.
By offering this dual coverage, our ATE insurance enables individuals to pursue justice without the fear of substantial financial loss, making legal action more accessible and less risky for those seeking compensation for personal injuries.
In personal injury cases, when a claim is successful, the premium for the ATE insurance policy is payable by the claimant. This payment is made from the damages that are recovered as a result of the claim.
Essentially, the cost of the insurance does not need to be paid upfront or during the course of the proceedings; instead, it is settled from the compensation awarded to the claimant at the conclusion of a successful case. This arrangement helps ensure that claimants can pursue legal action without worrying about immediate insurance costs, making access to justice more attainable.
Our After The Event (ATE) insurance offers a wide range of benefits to claimants seeking to pursue personal injury claims.
The policy provides coverage of up to £250,000, which can be obtained efficiently via the TOPS online portal, helping to avoid unnecessary time and costs.
One of the key advantages is the fully deferred premium, which is only payable if the claim is successful; if the claim is unsuccessful, the premium is not payable at all.
The insurance also offers retrospective cover from the date of the retainer, ensuring comprehensive protection from the outset.
With competitively priced premiums, claimants can pursue their cases to the fullest extent without financial barriers.
Importantly, the policy removes the risk of having to pay the opponent’s legal costs if the dispute is not successful and can also provide protection from interim costs orders, giving claimants greater peace of mind throughout the legal process.
