Insurance Case Study 2

Bell Lax was instructed by two clients in relation to a claim against an insurance company following fire damage to their business.

Our clients had previously instructed another firm of solicitors but they had run out of funds to pursue the claim.  Bell Lax were able to offer a 'no win, no fee' Agreement and arranged deferred payment of expert fees to ensure that the clients were able to successfully pursue their claim.

Bell Lax’s clients’ business involved purchasing cars at auction, breaking them up and retailing the spare parts. Our clients’ neighbours started a fire which spread to our clients’ premises destroying the entirety of their stock and warehouse.  

The Defendant admitted liability for the fire but disputed the extent of the losses. As our clients operated a cash based business and did not keep detailed records the claim involved significant difficulties in valuing the stock and loss of profits whilst the business was unable to trade. This was exacerbated as a lot of our clients’ documentation was destroyed in the fire. 

Bell Lax settled this matter at mediation on favourable terms for our clients so that they are now able to re-build their business and continue trading as before.