These are not my figures. But the judge should also look at the extra work the Claimant has been required to do. The Claimant is almost bribing you into settling earlier. That is the system as it stands. The people making policy are out of touch.
Most insurers have a subrogated claim.
Legal expense insurance is triggered. One claimant solicitor says that to advise before the event insurance as against after the event would be negligent. All we are looking to avoid is the abuses at both ends of the scale. We need to have a definition of an insurance premium in conjunction with the Senior Costs Judge. I don't have any difficulty with the definition.