Legal Expenses Insurance

There are two main types of legal expenses insurance available in the UK: Before and after the event (BTE and ATE).

Before The Event Insurance

This is a policy which is in place before the dispute begins. Most businesses will want BTE legal expenses insurance as there is a high chance of them becoming involved in legal proceedings at some point. Before the event insurance is included in many types of business insurance package as well as home and car insurance.

After The Event Insurance

This is a policy which is taken out after the accident or dispute which is resulting in legal proceedings has occurred. In most cases a solicitor or law firm you are working with will require you take out this insurance before they proceed with your case, so that expenses will be covered in the event of the claim being unsuccessful.

The most common types of claim handled by either type of legal expenses insurance are car accidents, recovery of uninsured losses, consumer disputes and minor injuries.

The types of dispute covered will be outlined in the policy's terms and conditions, as well as the maximum payout which is usually either £50000 or £100000.

Pursuing legal action without the cover of a comprehensive legal expenses insurance policy is not usually advisable; even if you have a strong case there is still chance you could lose and end up having to pay substantial compensation as well as the other side's legal costs.


The biggest limitation of legal expenses insurance, particularly with before the event cover, is that it will be up to the insurance company whether to cover your proceedings or not, they will have to be convinced that you have at least a 50% chance of success in the case and may require you to work with a solicitor who they are affiliated with.

For this reason it's important that you speak to your insurer about your intention to claim before you seek any legal advice for which you may be charged, or to ask the solicitor you speak to about legal expenses insurance if you don't have a BTE policy in place.

Phoenix defense attorney - Phoenix divorce attorney

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Legal Translator - Becoming A Legal Translator

There are many different avenues that you can pursue in becoming a translator. You do not have to just become a general translator if there is a specific type of translating that you are interested in doing. For example, if you are interested in law or legal subjects, then you may want to consider becoming a legal translator. A legal translator is a translator that focuses his or her attention on legal documents, legal recordings or legal speech. For example, you may translate in a court room, to assist a lawyer during depositions and other legal proceedings or you may translate legal documents or recordings.

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Personal injury attorneys work with people who have been injured due to the negligence of someone else. They work to get insurance companies and the people at fault to pay what is due. The insurance company may not pay for pain and suffering as a result of the accident. Your hospital bills may total over a hundred thousand dollars but they only want to pay half of that. Personal injury law works by getting you the money that you need to pay your bills and to compensate you for someone else's negligence.
Beware of the lawyers who approach you first. And beware of a lawyer who has someone else directly solicit you in person after you have been injured. Did someone show up in an emergency room and offer to hook you up with a lawyer? Run. This is illegal in most states. In-person solicitation by a lawyer (or someone representing a law firm) who does not have a prior relationship with you is universally condemned. Some lawyers may contact you by mail after you have been in an accident. No problem with that. You can just throw the letters away if you want.
An attorney that takes on one of these types of cases believes that he or she can win it. An attorney is not going to take on a case that doesn't have merit. To do so would be misleading to the client. Most attorneys will not take on a case they don't feel they can win or they feel is frivolous. Despite common misconceptions, attorneys don't want to file frivolous lawsuits that place a burden on the court system.
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