Where a person is suffers a personal injury through the negligence of another person or party and seeks to bring a claim for compensation, if a claim is defended by insurers or liability admitted but an agreement not reached on the level of compensation to be awarded, the claim would usually need to proceed through the Courts. In some circumstances, if the case was unsuccessful at court, the person bringing the claim may be personally liable for the Defendant’s legal costs. If you have an after the event insurance policy, providing the claim is brought honestly, the policy would cover the Defendant’s costs and prevent you from paying the same personally.