Funding Serious Personal Injury

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1 Funding Serious Personal Injury INJURY & NEGLIGENCE SPECIALISTS

2 Injury & Negligence Richard Scorer is totally supportive, always providing sound guidance and judgement. Quote from Chambers (Independent Legal Guide)

3 WELCOME TO PANNONE PART OF SLATER & GORDON Richard Scorer, National Manager of Serious Injury, explains the options available to fund your claim. Many people worry about making a claim as they are concerned about the cost. Whatever you do, don t let the cost of making a claim stop you from seeking legal advice, as there are many options available to fund your claim for injury and/or illness. We will work with you to find the best possible way of funding your claim. This booklet highlights the ways in which you may be able to fund your claim, which will hopefully set your mind at ease. If you have any concerns about funding your claim, please do not hesitate to contact us. Richard Scorer National Manager of Serious Injury 03

4 Injury & Negligence CONDITIONAL FEE AGREEMENT What is a Conditional Fee Agreement? A Conditional Fee Agreement is an agreement between you and your solicitors, agreeing that if your case fails, you do not have to pay your solicitors costs. If you win your case, your opponents will pay your solicitors costs, however, if there are any costs which are not recoverable, these may be deducted from your compensation. So does the Conditional Fee Agreement cover me for everything? The Conditional Fee Agreement covers you from having to pay your solicitors costs if you lose, but does not cover you for any additional expenses (e.g. medical report fee, court fees, etc) and any costs payable to your opponents. Insurance can be obtained to cover you against these fees. If you win your case, your opponent will pay your reasonable legal costs and disbursements. What is a success fee and am I responsible for paying it? Solicitors who agree to pursue a case under a Conditional Fee Agreement run the risk of not getting paid if you lose your claim. A success fee is the fee charged by all solicitors firms on cases that have been successful under a Conditional Fee Agreement, to reflect the risk that they took for not getting paid. If your case is brought under a Conditional Fee Agreement and your case is successful, it is possible that you may be responsible for our success fee. How this is calculated will be fully explained to you before you enter the agreement. You will receive regular updates and there will be no hidden costs.

5 If your claim is not successful, a success fee will not be charged. How do I get insurance to cover me against my expenses & opponents costs if I lose? We can arrange a specialist legal after the event insurance policy for you. If you lose your claim, the insurance will protect you from having to pay any additional expenses or costs. We will identify an insurer who offers a product that meets your current needs. How much will the insurance policy cost me? Whilst there is a cost, the insurance premium is self-insured and payment is not due until your case concludes. If you lose your case, you will not have to pay the premium. If you win your case, the insurance premium will be payable and the cost will be shared between you and your opponent. So in summary, what is my case likely to cost me? If you lose your case, then it will not cost you anything, as you will be protected by your Conditional Fee Agreement. If you win your case, you may have to pay from your compensation payment, the insurance premium, success fee, and/or costs or expenses not recoverable from the Defendants. Their knowledge and experience are remarkable; they have a vast understanding and their negotiating skills are excellent. Quote from Chambers (Independent Legal Guide) 05

6 Injury & Negligence LEGAL EXPENSE INSURANCE What is Legal Expense Insurance? Legal Expense Insurance covers your legal costs whether you win or lose a case. Usually, it will provide an indemnity cover to a certain limit (usually 50,000) for your solicitors fees, any expenses such as medical expert fees, and it will also cover your opponent s legal fees, should your case be unsuccessful. How do I know if I have Legal Expense Insurance? If you have Legal Expense Insurance, it will be part of an existing insurance policy that you have already. You may wish to contact your insurance companies yourself to check whether you would be covered for your claim. However, if you send any policies you have through to us, we will be happy to check these for you. What policies have Legal Expense Insurance? You can sometimes find Legal Expense Insurance on your household buildings/contents insurance policy. In specific circumstances (such as holiday accidents) you may find cover on your travel insurance policy. Membership organisations (such as trade unions or friendly societies) may give their members Legal Expenses Cover as a benefit. What type of claims does Legal Expense Insurance Cover? It depends on the wording of the policy, for example, some Legal Expense policies will cover for an accident claim, but not an illness claim. Again, if you provide copies of your policies to us, we will check this for you. What if I don t have Legal Expense Insurance? Don t worry if you don t have Legal Expense Insurance. We will look at funding your claim under a Conditional Fee Agreement.

7 CONTACT US Highest quality advice (ranked in top tier by leading independent legal guides Chambers and Legal 500) Free no obligation consultation Experienced specialist solicitors partners who are Leaders in their field National UK coverage and home visits Please contact us for an initial free, no obligation, consultation. please contact us free Pannone part of Slater & Gordon have offices nationwide. To find your local office visit For further information, please go to:

8 For more information, please contact Richard Scorer on or Slater & Gordon (UK) LLP is authorised and regulated by the Solicitors Regulation Authority.

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