An accident, damage, a refused claim or a late payment: we handle your file with you from the first conversation to court if needed. The fee is confirmed in writing after we review your file and before any work starts. No surprise fees or costs.
Which category does your insurance file fall under?
Fault allocation, vehicle damage, total loss assessment, market value, diminished value, replacement vehicle, injury, incapacity for work, income loss and dependency compensation in the event of death.
Damage in homes, apartment buildings, business premises or commercial real estate caused by fire, flooding, plumbing defects, storms, floods or neighbouring property.
Disputes under protection juridique / rechtsbijstand policies concerning coverage of lawyer, court, expert, notary, translation or expert witness costs.
Review of incorrect, outdated, disproportionate or unlawful records that may lead to refusal of insurance, policy termination or higher premiums.
High-value claim files affecting a business's cash flow, continuity of operations and commercial reputation.
Payment refusals, coverage exclusions and medical assessment disputes in death, disability, hospitalisation, health, income protection and credit-linked insurance.
Refusals by the workplace accident insurer, incapacity rates and additional claims under ordinary liability law.
Compensation of vulnerable road users' bodily injury in accidents involving a motor vehicle (29bis).
Deadlines and challenges at the fine, settlement and payment-order stages.
When family liability insurance steps in for claims against you or your children.
Compensation disputes over theft and total loss under comprehensive motor policies.
Refusals and limits under all-risks, valuables, bicycle and pet policies.
When the motor insurer claims back what it paid from the driver or policyholder.
Termination of policies, premium increases and the duties of insurance intermediaries (brokers, agents).
Resolving a dispute with the insurer out of court and in court.
A short first assessment by email or phone. We check whether your legal expenses insurance can cover the costs and tell you which route suits you. If you have legal expenses insurance, it often costs you nothing.
We discuss a single issue and a single file with you by phone or in person and then send a short written summary. If needed, we read all your documents, check the deadlines, set out the legal basis and make a preliminary calculation of your loss. Before you sign an offer letter, discharge, expert report, refusal letter or policy clause, we tell you in writing what to check and what to ask for.
We write a reasoned complaint to the insurer's complaints service, prepare an Ombudsman application if needed and send a formal notice referring to the 3-month reply duty. If your legal expenses insurer says the case is not worth pursuing, we help you obtain an independent lawyer's opinion under the objectivity clause.
We prepare your application to the Insurance Ombudsman, monitor the insurer's replies and follow your file until the end of the procedure. Applying is free and suspends the limitation period.
We calculate your claim, prepare a counter-offer, negotiate with the insurer and review the settlement text.
We handle your damages claim before the police court or the court of first instance.
In Belgium you are free to choose your lawyer (Insurance Act art. 156). If you and your legal-expenses insurer disagree on how to handle the case, for example if the insurer says it is not worth pursuing, you can obtain the opinion of a lawyer of your choice. If that lawyer agrees with you, the insurer must pay your lawyer's and court costs within the policy limits, whatever the outcome (art. 157). If your policy applies, our fee is invoiced directly to the insurer within the lawyer-fee limits in your policy. If part of the fee might exceed those limits, we tell you in writing before starting.
