You may have a compensation claim against you when you either don’t have insurance, or have insurance but your insurer has declined to extend indemnity.
What can you do?
Responding to a claim on behalf of an uninsured person or business is a niche area of legal practice. Most personal injury lawyers act for insurance companies (who have significant resources) and don’t have the experience to handle cases for a private individual or small business without insurance.
For many uninsured parties, the legal costs of responding to a claim can be crippling if your lawyer is not experienced in carefully managing the claim.
If you find yourself in the difficult position of not being covered for a claim made against you, you should get legal advice at the earliest opportunity.
In many cases, claims can be settled informally and cost effectively, avoiding the expense of conferences and/or court proceedings. There may be also be opportunities to recoup amounts paid out in settlement, and even the cost of responding to the claim.
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