Hi. I am looking for some help.
My brother had an accident over 2 years ago. His motor legal expenses poicy says he is entitled to up to £100,000 in expenses. His claim is passed via the actual motor insurance provider (not the motor insurer but a third party) and he is given (no choice) to a solicitors whose costs are supposed to be underwritten by the policy.
The service has been very poor. He has gone from a pretty straightforward no fault claim regarding his quite severe injury to a dodgey claim which he now looks like he may lose down to poor case handling. He can find no one to explain at either his motor insurer or the motor insurance provider how the policy works. His solicitor is saying he has spent a lot in costs (bad handling and duplicated work) and is now limiting the time he spends on ths file thus my brother is not getting the service he should be. I do not understand how this works with the £100,000 cover he should have - why is the solicitor now looking at costs while the file is still running?. If the solicitor loses are his costs not paid by the policy (someone told me solicitors take out insurance against this happening but I do not understand how this interacts with the fact that his legal costs are supposed to be covered under the policy) and if he wins by the other side i.e. why does the solicitor care what he spends so long as the costs are properly incurred?
Also if he is unhappy with the service the policy says he should be able to change solicitors with motor insurance provider consent but no one there has ever heard of this being done or indeed how it works. In that case how would the existing solicitors costs be paid?
He is not interested in complaining about solicitor to the law society as this will not help his claim progress. He just wants his claim handled properly.
Any ideas on how to resolve this?
Many thanks