By assessing policy terms together with the circumstances of the specific case, we clarify the rights and obligations arising from the insurance relationship.
Policy review
Assessment of cover, exclusions and obligations within the scope of the contract.
Indemnity claims
Preparation and follow-up of damage and indemnity applications.
Disputes
Legal representation and advice in arbitration, litigation and recourse proceedings.
Most insurance disputes arise not over whether a policy exists or whether the loss occurred, but over whether the loss falls within cover and in what amount it will be met. Both questions are answered where the policy wording meets the technical report.
The stated ground of refusal may not be the real dispute
A claim is often refused by way of a brief reference to the general conditions. The real argument in the file, however, tends to lie in how the nature of the damage was classified, in an allegation that the duty of disclosure was breached, or in the findings of the loss adjuster's report. An objection made without analysing the refusal together with its basis is usually met a second time on the same ground.
A loss adjuster's report is not a result but a chain of calculations
In damage files the amount emerges not from a single measurement but from successive assumptions: the pre-loss value of the vehicle or property, the repair items, unit prices for parts and labour, and any deductible or underinsurance ratio. It is these assumptions that an objection can hold on to. Because the firm has court-appointed automotive expertise in house, we examine damage files on their technical side before the legal assessment.
The principal matters we handle in this field:
- Assessment of cover and exclusion arguments
- Technical review of loss adjuster reports
- Vehicle diminished value and damage compensation claims
- Applications to the Insurance Arbitration Commission and court proceedings
- Defence against insurers' recourse claims
Because limitation periods and the order in which applications are made directly affect the outcome, the route by which a claim will be pursued is settled at the outset.