Frequently Asked Question (FAQ): What are Motor Legal Expenses and are they worth having as an add on to your Motor Policy?
Motor Legal Expenses often referred to as Uninsured Loss Recovery (ULR) was created due to a legal system that insisted that a claimant must pay his own solicitors fees as well as usually, the defendants (the other party) if he lost.
When a client has a non-fault claim and the other, responsible party(s) can be identified, the client can recover any losses not covered by his motor insurance from the other party(s), these other parties are usually referred to as the “Third Party”. If the third party has insurance then recovery may be possible from his insurers, if not then in some circumstances from the Motor Insurance Bureau (MIB), or as a last resort the third party himself.
Although cover may vary from policy to policy you will usually be covered for legal fees in relation to:
· The damage to the vehicle (If third party or third party fire and theft cover only) or the policy excess (if comprehensive)
· Any personal injury claim for the driver or any passenger
· The cost of hiring another vehicle
· Other expenses and disbursements connected with the claim
At Aynsley Insurance we recommend you to have Motor Legal Expenses in addition to your Motor Policy because if you have an accident that wasn’t your fault, you may still find that you have losses that are not covered by your own Motor Insurance policy.
For more information please do not hesitate to contact us or please see our Motor Legal Expenses page on our website: