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Author Does insurance legal cover include claims made against you?
Butler
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Registered: 2nd Jun 05
Location: London
User status: Offline
19th Feb 13 at 19:10   View User's Profile U2U Member Reply With Quote
I have been asked by Direct Line to appear in court regarding a claim which was made against me which they have been relentlessly battling for the past two and a half years. I'm not really even bothered if the case goes against me anymore, I'm just wondering if now the case is going to court whether I'll be liable for any of the costs? I will of course ring the solicitor in the morning, but just wondering if anyone can offer any peace of mind in the mean time!

Thanks.
BluKoo
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Registered: 8th Apr 02
Location: Stonehaven (Scotland)
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19th Feb 13 at 19:22   View User's Profile U2U Member Reply With Quote
Oh yeah. You guys have to pay court fee's in England don't you?

I'd imagine it should cover you, but you should check with the insurance company instead of the solicitor.
Toby
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Registered: 29th Nov 05
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19th Feb 13 at 20:03   View Garage View User's Profile U2U Member Reply With Quote
Its my understanding that 'legal' cover is in the event that legal proceedings are brought against you and not when they have to go to court to have it settled by a magistrate.
Robin
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Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
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19th Feb 13 at 20:32   View Garage View User's Profile U2U Member Reply With Quote
Wtf happened for it to be going on for this time?!
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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19th Feb 13 at 20:44   View User's Profile U2U Member Reply With Quote
When I went into the bank of someone about 18 months later I got a court summons from some Newcastle solicitors when the victim lived 10 miles away. Clearly a no win no fee thing.

I just gave it to the insurance company for that claim and they sorted it. I got s letter from mine to sign and say I was liable.

All sorted outside of courts etc and my legal cover sorted it.
Butler
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Registered: 2nd Jun 05
Location: London
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20th Feb 13 at 10:27   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Robin
Wtf happened for it to be going on for this time?!

Not a lot apparently. Apparently legal proceedings could be another 9 months.
Darren
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Registered: 21st Apr 02
Location: Hadleigh, Suffolk
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20th Feb 13 at 11:58   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Toby
Its my understanding that 'legal' cover is in the event that legal proceedings are brought against you and not when they have to go to court to have it settled by a magistrate.


Legal cover is when your insurance company appoints a solicitor to claim back any uninsured losses such as excess, injury etc.

Also insurance claims are a civil matter so will heard in a county court, not magistrates.

 
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