Whilst policies of insurance are governed by ordinary contractual principles, general insurance law comes with the added benefit that you (the insured) are protected by legislation that is intended to strike a fair balance between insurance companies and their customers.

Screen Shot 2016-08-21 at 9.16.53 pmThomas knows how to apply insurance legislation to his clients’ advantage, which has meant that he has been able to achieve excellent results against some of Australia’s largest general insurers, including members of the Suncorp & IG Groups, as well as RACQ and Allianz.

It is also of note that Thomas was living in Bundaberg during the 2010 and 2013 floods, and was instrumental in providing free legal assistance to members of the business community who had been affected by flooding and needed urgent advice on a range of insurance and lease issues.

Thomas has expertise across the following areas:

  1. Claims for damages for personal injuries sustained in motor vehicle and slip and fall accidents (on a “case by case” basis), including preparation of notices of claim under the PIPA and MAIA Acts;
  2. Advising clients on terms of policies, and the extent of cover and indemnity granted by policies, on insurance;
  3. Bringing contractual claims against insurers where indemnity is denied, including third party claims;
  4. Taking action with respect to the decisions of Government insurers, such as QSuper (but excluding all types of WorkCover disputes);
  5. Lodging disputes with the Financial Ombudsman Service; and
  6. Obtaining expert reports to contest determinations by insurers over issues of quantum and liability and, for example, to distinguish between damage caused by rainwater or floodwater.

Please note, very important time limits apply to these sorts of matters. If you miss the time limits you may lose some or all of your rights. Therefore, it is very important that you take legal advice as soon as possible.