At RTA110 we recognise that our scheme may appear too good to be true.  Whenever you hear something is too good to be true it probably is!.  We however are solicitors and we are fully regulated by The Law Society.  We therefore cannot say anything to you that is not true. 

The RTA110 scheme was invented by Mark Lampkin a solicitor and owner of Lampkin & Co Solicitors through whom the scheme is presented.  We are not a company with shareholders and we have no duties other than to the courts and to you the client.

Please read this advice carefully as it will save you money and ensure that you obtain full consumer value from your claim.

When you purchased your motor vehicle insurance your insurance brokers who could well be a motoring organisation inevitably added a legal expense insurance policy within your cover.  Sometimes this is added free (and you then have to question you have obtained any value at all) but as often as not a broker will add a fee of between £15-£25 to cover legal expenses should you have an accident.

Do you actually know what this means?

In our experience, legal expense insurance does not actually exist.  There is not normally a policy issued, no cover note supplied and no policy terms and conditions.  No insurance premium tax is paid upon it and it cannot therefore as a matter of law be classed as legal expense insurance.  All it is, is a scam to allow such insurers direct access to your claim and almost oblige you to use their panel of solicitors.

Paul Asplin who is the Chief Executive Officer of DAS one of the largest legal expense insurers in the country (having approximately 20% of the market share) is on record as saying that the only income his company receive is the referral fee charged to solicitors when referring the claim on.  This means that the money for selling the policy in the first place is retained by the broker as a windfall and that comes directly from your pocket.  When you are then unfortunate enough to have an accident and require legal representation the legal expense insurers will then sell your claim to the solicitors for a referral fee that we now have on good authority has approached £825.

This money is therefore taken directly from the money then available for your legal spend which on average will be in the region of £1200. Obviously this can leave as little as £375 for the solicitor to fight your case.  The legal expense insurance companies recognise that this is the only income they receive.  This means that money from your case is taken from your legal spend and is then applied to their profit.  For this you receive no conceivable consumer value for a road traffic accident claim falling within the predictive costs regime.

This trade in personal injury cases allows these insurers to reap £370M a year.  We believe that this money is taken directly from consumers and must be given back.  It is for that reason that we repeat the advice  DO NOT RING YOUR INSURERS FIRST FOLLOWING A ROAD TRAFFIC ACCIDENT RING A SOLICITOR. 

This evil trade in personal injury cases and referral fees being charged by motoring organisations, car repair garages, motor vehicle insurers and other referrers has been recognised by the Lord Chancellor Lord Falconer.  He is now on record as stating his intention to remove referral fees from personal injury having recognised the effect that this has on public perception and upon consumer value.  We at RTA110 applaud his comments and we hope that our scheme devised and implemented by solicitors will help solicitors to recover the market from interfering middle men who have no place within it.

Mark Lampkin, the solicitor who invented the scheme now regularly appears on motoring websites, publications and in other press material.  Examples of our press coverage can be found on our news page and we are hoping that as more solicitors offer a similar service the public will become aware of the benefits of seeing a solicitor should they be unfortunate enough to have a motorcycle accident or car accident leading to a compensation claim for injuries.

We have already helped thousands of accident victims of all types over the years all on ‘no win-no fee’ arrangements.  Since introducing the RTA110 scheme we have many satisfied clients who not only were fully satisfied with our service but were amazed, delighted, astounded and grateful to receive a further 10% and are happy to support us in our campaign to bring this to the attention of you and other drivers, riders and accident victims.

We believe that this is such a huge issue that must be brought to the attention of the motoring public.

Appeal for Support

Not only are we trying to educate the motoring public to contact a solicitor first after an accident, we are also seeking to remove referral fees from the personal injury claims market and we are asking all suppliers to join forces with us.  We are aware that virtually all referrers of road traffic accident claims are immersed in the system where referral fees are charged but we are asking for others to join us through the RTA110 site, to break ranks, and to recognise that with us they too can provide full consumer value to you the innocent road traffic accident victim.

Any insurers, motoring organisations, garages, repairers or other referrers of car crash or motorcycle accident claims should contact us through the site and to establish links with us.  For our part we confirm that we will seek to deal with such ethical and like minded suppliers to the industry and we will not seek from them referral fees just as we will not pay referral fees to them in the first place.

All staff dealing with automobile accidents of any nature are fully trained.  We have specialist departments dealing with motorcycle accidents where it is an obligation for staff to have secured a full bike licence in order to appreciate accidents from the circumstances of the rider.

We will attend to your case in as much detail as possible recognising that our promise to you is to use the money we will recover from the other side by way of legal costs to look after you and your case.  We are confident in our service.

We are leading a campaign to clean up the personal injury claims market, to remove sleazy legal expense insurance companies, claims management companies and others who unnecessarily make money out of driving accident victims’ suffering.

We do not believe that anyone has the right to take money out of your motorcycle or car injury claim and give you nothing in return.  All these companies do is charge solicitors huge referral fees which are paid from the money available to be spent on your legal costs following your driving accident. 

We do not agree with paying referral fees to buy your claim from insurers or anyone else.  Instead we guarantee to give you 100% of your compensation and to spend all the costs we recover from the other party on providing you a quality service throughout your road accident compensation claim.

We are solicitors and will not sell your claim on to anyone else.  As we have not had to buy your claim from your insurers we believe it is right to further reward you by passing on this saving to you by allowing you to retain from your costs that we recover a figure calculated at 10% of the personal injury compensation you receive.

Claiming is simple and obligation free.  If you have any form of motor vehicle accident including being a pedestrian struck by a vehicle and the accident was not your fault then claiming through us can be simple.  Complete the brief claim details and submit to us following which we will contact you for a full and free consultation.  Our staff are trained and we have experts at all levels to deal with your claim.  Our aim is to give you the best consumer value and to give you as much time and attention throughout your claim as you require.  The money that would otherwise be spent by giving a referral fee to a motor vehicle insurer or motoring organisation or other referrer will be spent on providing you with a full and caring service.

The only conditions that apply are that your accident is classed as a road traffic accident which includes a motorcycle crash, a collision involving a car, taxi or bus or a pedestrian claim falling within the predictive cost rules issued by the government.  This means that your compensation claim will settle for between £1,000-£10,000 before court proceedings.