You are here

Claim and negotiation principles

Alec Samuels says the legal propositions of RTAs are well and truly settled in the insurance world

12 February 2015

It happens every day. The owner's vehicle is damaged in an accident, caused by the negligence of the driver of the other car, the tortfeasor. The vehicle is repairable, not a write-off. The owner reports the accident to his insurer, repairs are arranged and carried out, whilst meanwhile a courtesy car is provided. The owner's insurer then seeks indemnity from the negligent driver's insurer. The matter is negotiated and settled, and on we go.

Most of us pay our motor insurance premiums, which cover the damage, including for the uninsured. The owner of the damaged vehicle will usually get the repairs carried out by his own garage or by a garage approved by the insurers. If the owner arranges the repair directly the cost will be £x. If the insurer arranges the repair the cost will often involve a discount, the insurer using his bargaining power; but in claiming indemnity from the negligent driver's insurer there will be a 'mark-up' to cover adminis...

Want to read on?

This article is part of our subscription-based access. Please pick one of the options below to continue.

Already registered? Login to access premium content

SUBSCRIBE for one User

Unlimited access to the entire SJ website for a full year for one user.

  • 10 issues a year delivered to you
  • Digital edition of the magazine for one user – sent to your inbox or accessible through the website
  • Access to premium content on the website
  • Access to the fully searchable online archive of Solicitors Journal, Managing Partner and Private Client Adviser, which spans over 13 years
  • Weekly email newsletter with all the latest news, analysis and features
  • Comment on SJ content and contribute to the SJ community online
  • Advanced search feature
  • Online support
  • Access to SJ app compatible with Android and Apple devices – coming soon!
  • 6 special focuses per year
  • Special offers and discounts on Solicitors Journal and IICJ events

Subscribe

CORPORATE SUBSCRIPTION

Your department or entire firm can subscribe to Solicitors Journal online, providing easy access for all who require it. Discount corporate subscription rates apply, based on number of users.

The Corporate IP Licence includes:

  • Digital copy of the magazine sent to individuals’ inboxes and accessible through the website. Solicitors Journal publishes 10 issues per year
  • Unlimited access to premium content on the website based on IP addresses
  • Unlimited access to the fully searchable online archive of Solicitors Journal, Managing Partner and Private Client Adviser, which spans over 13 years
  • Weekly email newsletter with all the latest news, analysis and features
  • Comment on SJ content and contribute to the SJ community online (username required)
  • Unlimited access to SJ app compatible with Android and Apple devices
  • 6 special focuses per year
  • Special offers and discounts on Solicitors Journal and IICJ events

The Corporate IP Licence is tailored to your firm, making it the most cost effective way for the firm to access Solicitors Journal, and enables the firm to remain compliant with copyright and our Terms and Conditions. This gives you the ability to print and circulate articles within the firm.

To enquire about a Corporate IP Licence for your firm, please contact our Subscriptions Manager on emily.beechey@solicitorsjournal.com.