What is Before the Event Insurance?
Before the Event Insurance (BTE Insurance) is insurance that is taken out prior to any accident or injury to yourself.
This type of insurances can be found in a variety of places: home contents, buildings policies, credit cards or other club memberships. Sometimes Trade Unions operate BTE schemes. It is important that you make sure before any After the Event (ATE Insurance) insurance is taken out, because if there is valid BTE insurance then any ATE policy will not be valid and also the Conditional Fee Agreement that you have entered into may also be invalid.
What is After the Event Insurance?
After the Event Insurance (known as ATE Insurance) is a policy that can be taken out by your solicitor, on your behalf, to ensure that in the event of a claim not being successful you are not left liable for the payment of any legal fees. If the claim is successful, the cost of the premium is usually recovered. If the claim is unsuccessful, then usually the Solicitor pay's the cost of the premium.
Can I recover medical expenses?
Yes, if you or your medical expenses insurance company have incurred prescription charges or you have been put to private expense for instance, then these can be recovered and either reimbursed to your insurance company or to you, dependent upon who has paid for them.