After the event (ATE) insurance is a legal expenses policy that protects individuals and businesses from the costs of legal proceedings initiated after an event occurs. Common cases include personal injuries, clinical negligence, or commercial disputes.
ATE insurance covers expenses such as court fees, barrister fees, and expert witness costs. It provides financial security during litigation, reducing risks for claimants. Transitioning to its benefits, ATE insurance can significantly mitigate financial exposure.
Premiums for ATE insurance are influenced by factors including:
Customers pursuing legal claims often consider this insurance for its financial safeguards.
ATE insurance reduces the financial burden of legal proceedings. It is especially useful for claimants with limited resources, enabling them to pursue claims without bearing significant upfront costs.
When claims are unsuccessful, claimants could face demands to pay the opponent’s legal costs. ATE insurance offers coverage against these adverse costs, removing a common financial worry.
Financial risks can deter individuals from seeking justice. ATE insurance provides reassurance that costs will be managed, encouraging claimants to pursue valid cases with confidence.
Some claims require expert legal advice. ATE insurance can cover costs associated with hiring specialist representation, ensuring claimants receive the expertise necessary for success.
Insurers generally favour cases where trial dates are at least 12 months away and pre-issue cases. Below are some examples of cases often supported:
While most claims are considered, insurers may avoid certain situations:
Claims with low levels of indemnity (below €100,000) or those submitted post-mediation failure may also face challenges in securing ATE coverage.
ATE insurance in Ireland provides essential financial support for claimants involved in litigation. It ensures peace of mind by covering legal expenses, safeguarding against adverse costs, and facilitating access to expert legal assistance. If you’re considering pursuing a claim, this type of insurance could be a crucial ally.
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