I am recently returned from a few weeks holiday in Morocco. It’s always interesting gauging the reaction of people when I explain what I do for a living. Inevitably the conversation turns to the equivalent profession or industry in the country I’m visiting. Having spent a number of years living in France, it’s fair to say that the impression of the claims and courts system there is one of delay. Cases often take years and years to settle if they end up in court. From what I heard, Morocco is much the same (it adopted the French model of a heavily codified legal system) and lawyers are often accused, in the words of one person I spoke to, of ”milking the system”.
It made me wonder how quickly we move in Scotland and what causes the delays. At Brodies, virtually all of the cases we handle are dealt with initially under the Voluntary Pre-Action Protocol for Personal Injury claims. In theory this has a 3 month window within which to be investigated and dealt with by an insurer or other signee of the Protocol. In practice that 3 month window can be somewhat elastic: insurers may not respond, further information may be required from a client or communication poses its usual challenges. A majority of claims settle, much to the benefit of clients under the Protocol system and within 3-6 months.
If settlement is not possible, then raising a court action is often the next step. From this stage onwards, timescales are to some extent dictated by dates imposed by the court process. This depends a great deal on which court it is raised in. More complex and higher value cases are likely to be raised in the Court of Session in Edinburghwith a timetable leading towards a proof (trial) date. Current proof dates are around 14 months away. Most cases settle at some point within that timescale and matters have improved somewhat in the last few years with specific procedure for Personal Injury cases.
Cases of lesser value or complexity raised in theSheriff Court can in theory be resolved within as little as 12 weeks or so of lodging. In practice the time taken for an insurer or other body to instruct solicitors, lodge responses and take instructions on the case will generally see cases take a minimum of 6 months.
Based on the entirely unscientific straw polls taken in some of the countries I have visited, I don’t think we do too badly in Scotland with regards to the life expectancy of claims. That’s not to say there’s not room for improvement. Great advances could be made in bringing the paper basedcourt system into the 21st century. Courts are one of the few areas of the law where use of e-mail is only now beginning to benefit users by speeding up processes and allowing direct communication with decision makers.
Here at BClaims we are very keen for the revolution to continue and move into the court room. At the protocol stage we are actively working with a number of referrer clients on instant data transfer. This allows information to be shared rather than being sent back and forward by e-mail. Our bespoke systems allow users to follow the progress of their claim in real time via our secure client Extranet and communicate with us across the technological spectrum.
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