After The Event Insurance (ATE)

After The Event insurance is a type of insurance that protects a Solicitor’s client when or after that person becomes aware of a claim.  The insurance covers a client for legal fees when the claim is unsuccessful.

Breach of Statutory Duty

You are known to have breached a statutory duty by failure to comply with your legal responsibilities or breached any duty in an Act or Regulations.

BTE (before the event) insurance

BTE is an insurance taken out to provide you with cover for the cost of legal fees involved in litigation. This type of insurance is usually attached to household or car insurance policies, credit cards or other insurance or financial arrangements which can cover you for personal injury claims.

CICA

The Criminal Injuries Compensation Scheme is governed by The Criminal Injuries Compensation Act 1995. A criminal injury is one or more injuries directly attributable to a crime of violence. It can include the apprehension, or attempted apprehension, of an offender or suspected offender, the prevention or attempted prevention of an offense, or the giving of help to any police officer who is engaged in any such activity and in so doing involves an exceptional risk

CICAP

The Criminal Injuries Compensation Appeal Panel.

Claim

A claim is a process of seeking damages or compensation for an accident or injury that wasn’t your fault or to claim for any loss you have sustained.

Comprehensive Insurance

Fully comprehensive cover: The highest level of cover:-

Cover to include theft of your car and fire damage caused to it by vandalism or mechanical failure, and also includes damages to your own car in an accident, even if you are to blame.

Contributory Negligence

It applies where a claimant has, through his own negligence, contributed to the harm he or she suffered, where another party is responsible for the injury but where the victim is also partly responsible for causing the accident through their own actions.

Conditional Fee Agreement

This can also be known as a “no win no fee” agreement. This entails the solicitor agreeing with their client that if the case is unsuccessful, the solicitor will not recover from the client any legal costs for the work done. However, disbursements (see below) may need to be paid. Insurance is taken out to cover these costs.  If the claim is successful, the other party is liable to contribute to case costs and we guarantee that you will keep 75% of the compensation awarded to you.

Costs

The solicitor’s VAT and other expenses such as court fees and medical report fees necessary to run and prove the legal case.

Damages

Financial compensation for injury or loss.

Disbursements

The additional fees charged by doctors and experts involved in the case including medical report fees, engineer fees, and counsel’s fees.

General Damages

General damages are money paid to you to compensate for pain, suffering, and loss of amenity.

Interim payments

If the person who was at fault admits liability, it is possible to obtain an interim hearing payment on account of the damages that you may be awarded. This payment may include loss of earnings or medical treatment costs.

Limitation

Where an individual is bringing a claim for compensation, court proceedings must normally be commenced within 3 years of the date of the accident, failing which the claimant will lose the right to bring his or her claim forward. If the fault of the other party can be proved, the injured party may be entitled to claim for compensation from that party.

There is a limitation period for bringing a claim to the court. Time runs from the date of the accident happened, or the onset date of a disease.

The limitation period is 3 years.

Loss of Earnings

If an accident or disease has resulted in a loss of earnings it may be possible to recover these costs.

MIB

The MIB (Motor Insurance Bureau) considers claims for compensation where victims have been involved in a Road Traffic Accident where the driver who is at fault cannot be traced or the vehicle has been stolen, or if that person was uninsured or had no valid car insurance at the time of the accident.

Negligence

Negligence is the fault of the other party where it is their duty to take care and not cause any accident or disease to the person making a claim.

No Win No Fee Agreement

Please see above “conditional fee agreement.”

Risk Assessment

Employers have a duty to protect their employees from any accident occurring. Employers have a duty to follow the Health & Safety Regulations. Training must be given to all employees to enable employees when carrying out risk assessments to know what they are doing and are experienced to identify any hazards. The employer also has a duty to review the risk assessment on an ongoing basis to ensure all is up to date. Accident reports should be in place for employees to make a complaint.

RTA

Road Traffic Accident. The term can refer to accidents involving cars, cyclists, motorcycles and pedestrians.

Special Damages

Special damages are paid to cover financial losses such as loss of earnings from wages and salary, loss of pension, property damage to a vehicle, medical bills, damaged clothing, and additional travel and parking expenses.

Third Party Insurance

Third party cover protects third parties such as members of the public, other drivers, and pedestrians if you injure them or damage their property. However, this policy does not cover damage to your car.