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Practical guides to organising records and preparing for legal discussions. Browse a topic or search a question.
Insurance survey and loss-assessment reports
Ask for and preserve the relevant assessment material through the proper process. A repair estimate, survey report and final claim decision are different documents.
RecoveryVehicle repairs and an insurance claim
Preserve the pre-repair condition, estimate and insurer's instructions where practicable. Repairing an unsafe vehicle should be considered with safety and evidence…
RecoveryHit-and-run compensation — identifying the scheme
A hit-and-run situation can have a statutory compensation route, but eligibility and procedure must be checked under the current scheme. An unidentified vehicle…
RecoveryAn insurance settlement voucher — read before signing
Check the amount, deductions and release language before accepting a settlement document. Receiving an offered amount and agreeing to a final discharge can raise…
RecoveryAppealing a motor accident compensation award
Read the complete award and identify the legal basis for a challenge. Appeal timing, deposit requirements and interim relief need a specific check.
RecoveryAn accident involving an uninsured vehicle
Lack of insurance changes the practical and legal issues; it does not by itself explain every available claim or responsible party.
RecoveryA loan recall or demand notice
Keep the complete notice, facility documents and service record, and arrange a prompt assessment. A loan recall, SARFAESI demand and court summons can have…
RecoveryReading a loan account statement
Separate principal, interest, charges, credits and disputed entries over the relevant period. A closing balance should be traced to the contractual and transaction…
RecoverySecured and unsecured debt — identifying the documents
Identify what security was actually created and for whose debt. A loan being called secured does not by itself establish every enforcement right.
RecoveryA SARFAESI section 13(2) demand
Check statutory applicability, the secured debt, classification and complete demand promptly. Section 13(2) is a specific statutory notice, not merely an ordinary…
RecoveryRepresentations against a SARFAESI demand
Prepare a focused representation supported by the actual account and security record. An informal settlement request and a statutory objection are not necessarily…
RecoveryPossession measures under SARFAESI
Identify the measure actually taken and preserve the notice and date record. Symbolic possession, physical possession and a proposed sale can involve different…