Insurance Law Ireland

Solicitor Apprentice/Legal Executive Wanted Lacey Solicitors are able to offer an apprenticeship for law students who have secured a place at either the Institute of Professional Legal Studies at Queen’s University Belfast or the University of Ulster Graduate School of Professional Legal Education. The successful candidate will be based at the Belfast Office of Lacey Solicitors in the Cathedral Quarter. The Successful applicant will be given full Apprenticeship training. The Apprenticeship begins in September 2013. The successful candidate may be offered an immediate start as a Legal Executive. The work will have an emphasis towards Defence Personal Injury work, for Insurance clients. Closing date for applications: Friday 7th June 2013 at 5pm. Applications shall be accepted by emailed CVs to damian@laceysolicitors.com

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Solicitor Apprentice/Legal Executive Wanted

Solicitor Apprentice/Legal Executive Wanted

Lacey Solicitors are able to offer an apprenticeship for law students who have secured a place at either the Institute of Professional Legal Studies at Queen’s University Belfast or the University of Ulster Graduate School of Professional Legal Education.

The successful candidate will be based at the Belfast Office of Lacey Solicitors in the Cathedral Quarter. The Successful applicant will be given full Apprenticeship training. The Apprenticeship begins in September 2013. The successful candidate may be offered an immediate start as a Legal Executive. The work will have an emphasis towards Defence Personal Injury work, for Insurance clients.

Closing date for applications: Friday 7th June 2013 at 5pm.

Applications shall be accepted by emailed CVs to damian@laceysolicitors.com

Apprentice Solicitor Required (Belfast)

Solicitor Apprentice/Legal Executive Wanted Lacey Solicitors are able to offer an apprenticeship for law students who have secured a place at either the Institute of Professional Legal Studies at Queen’s University Belfast or the University of Ulster Graduate School of Professional Legal Education. The successful candidate will be based at the Belfast Office of Lacey Solicitors in the Cathedral Quarter. The Successful applicant will be given full Apprenticeship training. The Apprenticeship begins in September 2013. The successful candidate may be offered an immediate start as a Legal Executive. The work will have an emphasis towards Defence Personal Injury work, for Insurance clients. Closing date for applications: Friday 7th June 2013 at 5pm. Applications shall be accepted by emailed CVs to damian@laceysolicitors.comvia laceysolicitors.typepad.com

via laceysolicitors.typepad.com

IRL High Court. Judge refuses to strike out personal Injury case where there was inordinate and inexcusable delay.

IRL High Court. Judge refuses to strike out personal Injury case where there was inordinate and inexcusable delay.

In the case of McCarthy v Brandon Constrution and Others, Ryan J refused to strike out the Plaintiff’s personal injury action even where the court was satisfied that there had been inordinate and inexcusable delay.

The court held that once satisfied that there was inordinate and inexcusable delay, that it should apply the the approach that was set down by The Supreme Court in Primor v Stokes Kennedy Crowley.

“In Primor v. Stokes Kennedy Crowley [1996] 2 I.R. 459, the Supreme Court focused on whether the delay resulted in prejudice to the defendant in meeting the claim. The Court set the bar high for a defendant applying for a dismiss, holding that the question of particular prejudice was central to the exercise of discretion and it also endorsed and emphasised the importance of the role of the defendant in relation to the plaintiff’s delay. The Supreme Court held that the principles of law relevant to an application to dismiss an action for want of prosecution were that:-

1. the courts had an inherent jurisdiction to control their own procedure and to dismiss a claim when the interests of justice so required;
2. the party who sought the dismissal on the ground of delay in the prosecution of the action must establish that the delay had been inordinate and inexcusable;

3. even where the delay had been both inordinate and inexcusable the court must exercise a judgment on whether, in its discretion, on the facts the balance of justice was in favour of or against the case proceeding;

4. when considering this obligation the court was entitled to take into consideration and have regard to –

(a) the implied constitutional principles of basic fairness of procedures,
(b) whether the delay and consequent prejudice in the special facts of the case were such that made it unfair to the defendant to allow the action to proceed and made it just to strike out the action,

(c) any delay on the part of the defendant, because litigation was a two party operation and the conduct of both parties should be looked at,

(d) whether any delay or conduct of the defendant amounted to acquiescence on the part of the defendant in the plaintiffs delay,

(e) the fact that conduct by the defendant which induced the plaintiff to incur further expense in pursuing the action did not, in law, constitute an absolute bar preventing the defendant from obtaining a dismissal but was a relevant factor to be taken into account by the court in exercising its discretion whether or not to dismiss, the weight to be attached to such conduct depending on all the circumstances of the particular case,

(f) whether the delay had given rise to a substantial risk that it was not possible to have a fair trial or it was likely to cause or had caused serious prejudice to the defendant,

(g) the fact that the prejudice to the defendant referred to in (f) might arise in many ways and be other than that merely caused by the delay, including damage to a defendant’s reputation and business.

O’Flaherty J. held that whilst the Court had inherent jurisdiction to dismiss a claim in the interests of justice where the delay in the proceedings was in all the circumstances so great that it would be unjust to call upon a particular defendant to defend himself, it was a jurisdiction which should not be frequently or lightly assumed.”

In applying these principles to the McCarthy case Judge Ryan was of the view that the action should not be dismissed for three reasons. “First, althought he proceedings were instituted only days before the third anniversary of the plaintiffs fall, he was under age for most of the period. Second, there was an explanation for the delay that had some basis in fact, even though it was inadequate. Third, the defendant was itself responsible for substantial delay and default by its own conduct in taking more than two years to deliver its defence.”

The full judgement can be found here:

High Court Judge Frustrated at the use of Expert Witnesses in Personal Injury Action

Mr Justice Charleton in his Judgement in Flynn v Bus Atha Cliath chose to comment on the role of expert witnesses called in road traffic collision personal injury cases.

The Judge noted that in the case at hand, three expert witnesses were called to give evidence in respect of liability, being an engineer for the Plaintiff and one for the Defendant and an expert in driving for the Plaintiff. In addition, the Judge noted that five medical personnel were called in this “simple” case about bruising to a leg and a sore back.

The Judge noted the benefit of experts in resolving specialised issues stating that, “the purpose of an expert witness is to enable the Court to be instructed on arcane disciplines which are outside the experience of a Judge or jury”.

The Judge noted however that in the case at hand at one point the court was informed by an expert of the average speed of the average person walking. The Judge indicated that this is something which is clearly common knowledge.

The Jude went on to comment upon the type of expert evidence that should be given. He noted that in this case which concerned the speed of a bus and braking reaction times due to the presence of a pedestrian on a roadway, “that with the exception of making a calculation as to the speed of the bus by reference to landmarks passed on the video and the distance ahead of the child that was on the road, none of the testimony that was given by the experts involved any expertise. Nor was the evidence, outside that set of calculations as to speed and distance, admissible as expert evidence. Instead it was inadmissible opinion and comment”.

The Judge did stress that his comment is not a criticism of Counsel and it is not a criticism of the experts involved and acknowledged that the practise was now universal and thought it would be worthwhile controlling it as additional costs and excess length of time taken to try a case may impede the constitutional right of citizens to have recourse to the courts. The Judge did indicate that appropriate Orders as to costs focusing on unnecessary experts may assist in that regard as may further Rules of the Court.

The full Decision can be found here:

IRL High Court Dismisses Personal Injury action where passenger on bus injured due to driver braking in an emergency

In the case of Flynn v Bus Atha Cliath [2012] IEHC 398 Charleton J held that the plaintiff had been injured whilst rising from her seat to alight from the bus. The injuries were caused by the momentum of the vehicle changing dramatically due to the braking of the driver.

The Judge accepted however that the drivers actions were entirely reasonable, a child having ran on to the road in front of the bus.

He said “The courts cannot apply a counsel of perfection. The duty of care expected of a driver is a high standard but it is still to be measured by the reactions and expectations of reasonable men and women.”

He went on to conclude, “Nothing could have been done to avoid the accident to Mrs Flynn. The bus driver Mr Friel reacted correctly to a potential hazard to life. In the circumstances, the case must be dismissed.”

The full report is here:

IRL High Court Assessment of Damages- Significant Injury- Psychiatric Injury- change in personality and its effect on earning capacity- Application of Reddy v Bates- Consideration of Cap on General Damages

In the case of Fagan v Griffen, the court had to assess damages where the Plaintiff had suffered significant injury.

The Plaintiff is 32 years of age. He is an engineer with a Degree from Trinity College, Dublin. He had no memory of the incident, and had suffered from amnesia for a number of weeks.

He sustained a serious head injury, fracture of the sternum, minor lung contusion and abdominal injuries. He underwent a number of operations whilst hospitalised. He had been left with some scarring although the scarring formed very little as regards the case. He had suffered from double vision which had persisted for some time and was suggestive of a significant closed head injury which led to fourth cranial nerve palsy on the right hand side which had improved. He was left with a clicking sensation in his ankle and had some difficulty with his gait. He had suffered some soft tissue injury to his back, had lost a front tooth which was repaired and a noted diminution in the senses of taste and smell.

Although his physical injury was significant, it was agreed that the Plaintiff had made a remarkable recovery.

The main area of contention in the case was the issue of the Plaintiff’s psychiatric injury and whether his personality had been changed as a result of the incident.

Having heard substantial evidence, the court found that the Plaintiff’s personality had indeed changed, and notwithstanding the fact he had largely physically recovered, the change in his personality had greatly impinged his employment prospects. Mr Justice Cross awarded a sum of €532,160.00 for future loss of earnings allowing a 10% reduction for Reddy v Bates.

The total special damages claim (of which future care costs were set at €300,000.00) came to €1,139,380.90.

When assessing general damages, the court noted that the purpose of damages in tort is insofar as money can do, to put the Plaintiff into the same position had the incident not occurred.

The court recognised that on any view of the matter, although the Plaintiff’s physical injuries had largely settled, they were significant indeed. The court acknowledged that the Supreme Court in Sinott v Quinnsworth had indicated that a cap should be placed on general damages in circumstances in which the Plaintiff has been awarded substantial sums in past and future expenses.

The court noted the Decision of Quirke J in Maggie Yang Yun v Motor Insurers Bureau of Ireland (2009) IEHC 318 which found the appropriate present cap on general damages was €450,000.00.

The court however also acknowledged that it is important to note that what was decided in Sinott v Quinnsworth was that there was a cap on general damages, not that general damages in case that failed to reach the standards of being the most extreme should suffer a pro rata diminution. Quirke J acknowledged therefore that although there is a cap on general damages, many cases may be entitled to a figure up to the level of that cap.

In this case however Mr Justice Cross acknowledged that while in many ways these were catastrophic injuries, they did not represent such an insult to the Plaintiff that they could be categorised as being in the most extreme grouping.

Interestingly, he noted “while I am obliged to have regard to the Book of Quantum, I find that nothing in this book is of great assistance to me”. He assessed general damages in the sum of €150,000.00 for pain and suffering to date and €100,000.00 for pain and suffering into the future, being a total of €250,000.00.

The total award was for €1,389,308.90.

The full Judgement can be found here:

The best opening line of a Judgement?

I liked this from Hogan J in a recent Irish High Court action.

“It might seem surprising that litigation presently pending in the District Court of Denver, Colorado (“the Colorado litigation”) concerning a disputed share purchase contract of the shares of an oil company registered in St. Kitts and Nevis and which is currently operating in Belize should give rise to an application in this jurisdiction for evidence to be taken on commission of an investigative journalist and a former theologian who specialises in the investigation of cults.”

Interested? Read the full Judgement here:

Enjoy.

Insurance Law Text Book

IRL: Injuries Board release 2012 Interim report.

Worryingly there appears to be anecdotal evidence of Claims Farmer ‘Ambulance Chasers’ moving in on the Irish PI system. The Practice is widespread.

The full text of The Injuries Board Press Release is below:

INJURIESBOARD.IE INTERIM REPORT 2012
Modest but consistent rise in new claims:
Recession, aggressive promotion and ‘ambulance chasing’ likely causes
New issue-specific claims emerging – Thalidomide and DePuy

InjuriesBoard.ie, today Wednesday, 26th September, 2012 released details of its work in the first six months of 2012. Data for the period shows a gradual but consistent increase (4.1%) in claims volumes compared to the same period in 2011. Though not the recessionary spike that some had predicted, the increase warrants ongoing monitoring as there is little evidence of a matching increase in accidents. The period also saw the emergence of issue-specific claims linked to Thalidomide and De Puy hip replacements.

In the six months to June, Injuries Board.ie received 14,669 claims, an increase of 4.1% on the comparable period in 2011. Awards totaling €109.04 million were made in respect of 5,180 personal injury claimants. Motor accidents continue to account for 59.4% of personal injury claims with public liability and employer liability accounting for 27.2% and 13.5% respectively. This reflects a slight increase in public liability volumes and a slight reduction in the volume of workplace claims (circa. 1%), consistent with ongoing lower numbers at work.

The rising claims trend has continued into the second half of 2012. Though it is difficult to be definitive, anecdotal evidence suggests a mix of contributory factors including:

tendency for claimants to pursue lower value claims given the recessionary environment
a noticeable increase in advertising and promotion by providers of claims related services, particularly online, and
anecdotal reports of regressive practices more commonly known as ‘ambulance chasing’ or ‘claims harvesting’ (a practice of identifying accident victims e.g. online or presenting to repair shops or accident and emergency wards, for referral to personal injury lawyers).
Commenting, InjuriesBoard.ie Chief Executive, Patricia Byron said:

“Higher claims volumes without a matching increase in accidents, suggests that more people are making claims or are being prompted to do so. Whereas it is encouraging that we have not seen a dramatic recessionary spike – due in large part to the efforts of the Health & Safety Authority, the Road Safety Authority and Insurance Industry Anti-Fraud initiatives – increases are unhelpful at a time when individuals and businesses are seeking to contain insurance premiums.”

InjuriesBoard.ie also noted that it is in receipt of a number of issue-specific claims linked to injuries arising from Thalidomide and hip replacements (De Puy).

In July, the Irish Thalidomide Association announced that its members would be lodging individual applications for compensation with InjuriesBoard.ie. As liability remains in dispute between the parties, InjuriesBoard.ie opted to release these claims to the Courts immediately so as to avoid delays for long suffering Thalidomide survivors and their families.

Year to date, Injuries Board has received 605 claims in respect of the De Puy hip replacement recall. As a total of 3,500 implants are understood to have been fitted, further claims are likely to arise.

Commenting, on high volume, issue-specific claims, Ms Byron said:

“Currently when multiple issue-specific claims first arise, InjuriesBoard.ie is obliged to release these cases to the Courts until a compensation benchmark has been established. As litigation costs typically add over 50% to the cost of underlying awards this can mean additional costs of €500,000 per €1million in awards, even in circumstances where liability is not in dispute. Assessing these cases through a non adversarial process, such as InjuriesBoard.ie, could result in substantial savings.”

The average time taken by InjuriesBoard.ie to make an assessment is seven months. The average award made by the Board in the first six months of 2012 was €21,049 marginally down on the average for the same period in 2011 of €21,086.

By mid-year, InjuriesBoard.ie has delivered cost savings of over €22million in 2012 and estimated total cumulative savings (direct and indirect) of over €500million since mid-2004.