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Large loss

Expert, experienced legal service dealing with claims involving injuries of the utmost severity and more complex technical insurance work.

When it comes to settling large loss claims, the stakes are, by definition, very high. With the sums involved and the inherent complexity of the individual cases, the level of legal and negotiating skills required must be correspondingly high if successful outcomes are to be achieved.

Weightmans' Large Loss team handles claims reserved at a minimum of £500,000, representing around £750 million of client reserves. The majority of claims we deal with are motor, but we also cover employers' liability, public liability and product liability, as well as substantial dependency fatality claims. Typical cases involve brain, spinal and amputation injuries.

Our approach is focused totally on your objectives as a client. Because each claim is unique, we devise a bespoke strategy and individual tactical action plan to achieve an early and fair claims resolution. At the same time, we ensure that the claimant's immediate and rehabilitative needs are met, working with their solicitor to ensure a combined approach.

We manage every claim proactively and co-operatively, with our team working alongside yours from first notification. We maintain a dedicated database of experts and counsel and advise on the use of your own database if required.

We obtain detailed information in order to inform early reserving and where appropriate, to enable early settlement offers to be made. We then prepare a detailed reserve calculation in accordance with your reserving guidelines, together with a detailed action plan, and conduct regular reviews to reflect any new evidence that becomes available.

Depending on the circumstances of each case, we recommend strategies on specific issues, such as interim payments and funding contributions from the relevant Local Authority and/or Primary Care Trust. 

We also advise on the best way to make a settlement offer, e.g. by round table conference, time-limited without prejudice offers, Part 36 offers etc. This includes consideration of the format of any offers, including periodical payments, combined periodical payments and lump sum offers, top-up only offers for future losses, reverse indemnities etc. Where appropriate, we advise on the potential cost of impaired life annuity purchase versus self funding, including issues of security.

A significant number of the claims we handle include non-indemnity and technical issues. We advise the insurance market on these issues, including advice on policy interpretation and insurers' obligations under the Road Traffic Act and Article 75. We have been advising the Motor Insurers' Bureau since the early 1990s, and we are one of only three main panel firms retained following the Bureau’s tender process in late 2006.

David Holt
"Because each claim is unique, we devise a bespoke strategy focused totally on your objectives as a client"
David Holt

Direct dial: +44 (0)151 242 7921
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