Thank you very much.

Although I find the whole personal injury claim thing a little seedy, I wouldn't wish to deny somebody who has a long term injury a claim due to an accident that wasn't their fault. At the same time I'd hate to find out that he'd been taken advantage of one of these companies because he didn't know how to handle the problem!

Thanks again.

All he needs to do is to contact Churchill, the Insurers he had at the time of the accident. They will tell him what he needs to do. The legal proceedings and costs etc, will be dealt with under the claim that was made at the time. Churchill will basically take over and deal with correspondence from Scott Rees & Co. It might make sense for him to write back to Scott Rees just to tell them that their letter has been passed onto Churchill Insurance in regard to policy no.xxxxxxxx and that all future communication should be with Churchill.

That is all that needs to be done for now. Churchill will look into what the third party is looking to claim for and will deal with it as necessary. I doubt very much that your brother will be involved again, once Scott Rees are dealing with Churchill.

A couple of years ago, possibly 3 years ago even, my younger brother was involved in a minor accident which was entirely his fault; he pulled out of a side road, to turn right (thereby crossing the lane to his right) and as he did so, he didn't notice the car coming from the right. Consequently, his car was hit and damage caused to the oncoming car.

As there was no dispute at all as to whose fault it was, his insurance company paid out and life moved on.

In the last day or so, he has received a 'summons' from a company called Scott Rees & Co, relating to a personal injury claim that the other driver has made against him, on the basis that her sciatica has got worse and her whole life has become unbearable following this accident. Having looked at the website for this company, it's almost certainly a no win, no fee scenario so clearly there's nothing for the claimant to lose.

So, I have a couple of quite specific questions:

- As you might expect, my brother has moved insurers since the accident. However, would the legal cover on his policy at the time still cover him, as that's what he would have been paying for at the time? He was insured with Churchill.

- How valid are summons from from companies like this? I thought that only the police could issue a summons, but I don't know much about it. The 'summons' received has no date, venue etc and has been sent to his old address (where my Dad still lives) so I'm wondering if the company are fishing and hoping that he'll get in touch.

I don't want to advise him to ignore this, but I think the last thing that he should do in the short term is contact Scott Rees, or if he does, part with any details. Any advice?!