Welcome to William Roberts’ Insurance bulletins, where we share our thoughts on relevant or interesting legal issues.
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Calderbank Offers – Did you know – The principles for when offers can be relied upon to obtain a cost advantage were first outlined in the case of Calderbank v Calderbank (1975) 3 ALL ER 333, hence the term “Calderbank-offer”. The critical question the Court will ask when considering a Calderbank-offer is whether the rejection of the offer was unreasonable in the circumstances.
Dual Insurance – Did you know – Subrogated recovery against a third party isn’t your only potential recovery path. There may be another insurance policy that covers your insured for their loss. In other words, there may be dual insurance!
Legal Professional Privilege – The term “privileged” is often thrown around and slapped on the top of letters and emails. But do you understand how legal professional privilege applies, and when it is appropriate to use?
The curious case of the snail in the bottle – Did you know – One of the pivotal moments in tort law history features a decomposed snail found in a bottle, which was the subject of the dispute in Donoghue v Stevenson [1932] AC 562.
Negligence vs Nuisance – In certain situations, both the law of negligence and the law of nuisance may apply to damages caused by one party to another. Have you ever wondered what is the difference between the law of negligence and the law of nuisance?
How to determine loss if a supervening event causes further damage –Did you know – Supervening events do not affect your recovery of damages!
No hire car charges for unroadworthy vehicles and unlicensed drivers – Did you know – You can (and should) oppose hire car or loss of income claims where the damaged third party vehicle was (i) unroadworthy, or (ii) illegally modified, or (iii) where the third party driver was unlicensed.
Subrogation –Did you know – When either the insurer or the insured commences proceedings in a recovery action that involves subrogation, they are obligated to protect the rights of the other party.
Betterment –Did you know – The issue of “betterment” is often raised in tort and contract claims for replacement or repair costs.
Recoveries against third party insurers direct – Did you know – When an at-fault third party cannot be found or is dead, or a third party company is deregistered, a cause of action exists against the third party insurer direct!
The duty of utmost good faith – In life, they say that honesty is the best policy. But did you know that it is actually also one of the most important provisions in an insurance contract?
Goods and Services Tax (GST) – Whether you, or the other side, are able to claim GST can sometimes be very confusing. So that you don’t have to read the relevant tax rulings and case law, we have summarised
The Briginshaw Test – Did you know that the Briginshaw-test requires a higher standard of evidence in civil matters where serious allegations are made, such as fraud. This principle was established in the divorce case of Briginshaw v Briginshaw [1938] HCA 34.
Can you sue if a “registered” company is “in liquidation”, “under administration” or has become “deregistered”? – When a company is created, it is “incorporated” and placed on the register of companies maintained by the Australian Securities and Investment Commission (ASIC). This means that a company is “registered”. That is when a company becomes a separate legal entity that can sue or be sued in its own name. But what if a “registered” company is “in liquidation”, “under administration” or has become “deregistered”?
What happens if you, as an insurer, have not yet concluded whether or not to indemnify an insured, and a third party commences Court proceedings against your insured (with the indemnity decision still pending)? – When these types of claims arise, an insurer (and its panel firm) can continue to act for an insured on a “reservation of rights” basis.
Offer of Compromise -vs- Calderbank Offer– Did you know? There are different types of offers than can be made in a claim, namely (i) an Offer of Compromise or (ii) a Calderbank-offer?
Unjust Enrichment and Money Had and Received – Did you know: When you discover that a payment on a claim has been made by mistake, or that fraud may be involved, recovery of that payment can be pursued in reliance on the general concept of “unjust enrichment” / “money had and received”.
Veni, Vidi, Vici – Did you know: Latin phrases and terms are still widely used in Australian law due to the historical influence of Roman law on the development of legal systems. Here are a few often used Latin phrases or maxims that you will no doubt see come across your desk at some point, and an example of how they apply in our legal system.
Contra Proferentem -Did you know: there is a further Latin phrase that is very relevant in the insurance context, and that is the phrase contra proferentem.
Contracts 101 – Let’s take it back to basics and explore the requirements for a legally binding contract, namely: Offer/Acceptance/Consideration/Intention
Uninsured v Insured losses -Do you know who gets paid and in what order in circumstances where you have settled a matter and there are insured and uninsured losses?
Inevitable Accidents – An unusual defence can sometimes arise in motor vehicle accidents, namely that of an “inevitable accident”.
The Harman Undertaking – Did you know? There is an implied undertaking that provides that documents obtained in legal proceedings are only allowed to be used for their intended purpose and not for anything else. The implied undertaking is called the “the Harman Undertaking”. It is a fundamental rule that applies to all parties in Australian courts and tribunals.
What is Bailment? – Bailment can arise when one person has temporary possession of another person’s property with an understanding to return the property to the original owner. It usually occurs when property is given to a person for undertaking a task or to keep the property for an agreed period of time.
Please do not hesitate to contact Brian Silva (02 9552 2111), Fred van Reede (07 3894 0780) or any member of our team should you have any questions.
