After-The-Event Insurance

Most personal injury Plaintiffs can acquire After-the-Event (ATE) insurance in pursuit of their tort claim(s). ATE insurance can help mitigate the Plaintiff’s financial risk of litigation including when:

Being unsuccessful at trial or a motion
Failing to beat a Rule 49 Offer to Settle
Abandonment or withdrawal of the claim
The premium itself if the case is unsuccessful

ATE insurance can provide peace of mind to Plaintiffs knowing that there are risks commencing a lawsuit against a Defendant, which is often times defended by an insurance company.

ATE insurance does not dictate or influence the Plaintiff’s file in any way but does help to offer Plaintiffs accessibility to a lawsuit they may not have otherwise commenced.

If a Plaintiff has chosen to obtain the ATE insurance and they are unsuccessful at trial/a motion, they are covered by usually up to $100,000 for any outstanding disbursements or costs awarded against them.

If a Plaintiff has chosen to obtain the ATE insurance and is successful, then they are required to pay the premium which varies but is within the range of $1,200 to $2,000 plus H.S.T.

However, if the Plaintiff does not obtain ATE insurance and is unsuccessful, then they may be on the hook to pay for outstanding disbursements and pay costs to the other side if awarded.

If you’ve been involved in an accident and have any questions about pursuing a lawsuit, we encourage you to contact us for a free consultation, as you may be entitled to receive the help you deserve.