We get a lot of enquiries from people who have been persuaded by insurers to deal with their personal injury claims directly with them. It’s a common problem in the claiming industry, and it’s known as Third Party Capture. Basically, the insurers of the party at fault will contact the innocent victims direct and offer to deal with the personal injury claim without solicitors.
They will tell you that it’s quicker, easier, and you’re cutting out the middleman; and by claiming directly with them, they will give you a little more money as they will save themselves a fortune on not paying legal fees.
But what you have to ask yourself is, in the grand scheme of things – why would they do this?
It’s literally all about saving money. I doubt very much that they will offer you an extra £1,500, which is generally what the solicitors’ legal fees will equate to. In fact, it’s unheard of as far as I’m aware. But the main thing you have to realise, which is something you might not have considered, is the fact that you have nobody fighting your corner for the case. In fact, you entirely at the mercy of the insurers who are liable to compensate you.
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