HM Insights

Legal Insights & Industry Updates

Life, business and the law

The law never stands still, and the way it applies to you and your organisation is constantly evolving. Our people are on top of these developments and can keep you up to date with some of the most interesting aspects of these changes. Check out our articles and updates for our perspective on issues that might affect you.

Latest articles from Elizabeth Mitchell

  • A time of major change in the UK Insurance industry – Part 1: After Vnuk, is it time to insure that golf cart?

    A time of major change in the UK Insurance industry – Part 1: After Vnuk, is it time to insure that golf cart?

    The UK Insurance industry is facing a number of significant changes. In the first in a series of articles on these changes, we look at a recent decision from the EU which will have huge ramifications for insurance policies, bringing a whole range of motor vehicles within the realm of those that must be insured – and victims of more types of accident able to claim compensation.

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    How Simple is Simple Procedure?

    As of 28 November 2016 claims for payment of a sum below £5,000 (excluding personal injury) must be raised under the new Simple Procedure Rules. This has replaced Summary Cause and Small Claims in the Sheriff Court. Personal Injury claims are not yet covered by the SP Rules. Personal Injury Claims below £5,000 are expected to have a new set of Court Rules set out in the near future.

  • The defence of Automatism in Road Traffic accident cases

    The defence of Automatism in Road Traffic accident cases

    The legal defence of Automatism is most commonly used in road traffic accident cases. This is where someone cannot be held responsible for their actions if they have no knowledge of the accident. Here, we look a recent case we dealt which in which automatism was raised as a defence.

  • Motor Insurers Bureau - new Untraced Drivers Agreements in force as of 1 March 2017

    Motor Insurers Bureau - new Untraced Drivers Agreements in force as of 1 March 2017

    The Motor Insurance Bureau (MIB) published a new Untraced Drivers Agreement for England, Scotland and Wales that came into force on 1 March 2017. A supplementary Uninsured Drivers Agreement has always been introduced. This is welcome addition to MIB law in general. The new Agreements will make it considerably easier for Claimants to pursue compensation, removing many of the complex and procedural hurdles.