At Howard & Over, we understand that suffering a personal injury can be an incredibly stressful experience, both physically and emotionally. Pursuing a legal claim shouldn’t add to that stress. That’s why we specialise in helping you navigate personal injury claims through a no win, no fee agreement, removing the upfront financial pressure so you can focus on your recovery.
A key element of this process is something many clients haven’t heard of until they need it: After The Event Insurance (ATE). Whether you are thinking about making a claim or are already in the process of doing so, understanding how ATE Insurance works and how we can arrange it on your behalf is essential for protecting your interests.
In this blog, we explain what ATE Insurance is, and why it matters when pursuing a no win, no fee personal injury claim.
What is ATE Insurance?
After The Event Insurance, commonly referred to as ATE Insurance, is a type of legal expenses insurance policy taken out after a legal dispute has arisen. It protects you from paying costs, such as the other party’s legal fees or court costs if your personal injury claim is unsuccessful. It is most commonly arranged alongside a no win, no fee agreement.
The Role of ATE Insurance in No Win, No Fee Agreements
A no win, no fee agreement, allows you to pursue a personal injury claim without the financial risk of paying legal fees upfront. If your claim is successful, your solicitor’s fees are recovered from the compensation awarded.
While at Howard & Over we offer a no win, no fee agreement, so will not charge you if your claim fails, what many people don’t realise is that you may still be responsible for the other party’s legal fees, court fees, medical expert reports, and other disbursements.
That’s where ATE Insurance plays a pivotal role. By having this cover in place, you remove that financial risk. The insurance takes on those potential costs, so you can pursue your claim without the fear of a negative financial outcome. It gives you the confidence to move forward, knowing that you’re not exposed if things don’t go your way.
