Insurance Law and Claims

Personal Insurance

Modern insurance policy documents are usually long, complex and difficult to understand. The concept of insurance “utmost good faith” is often not known or misunderstood.

Disputes about level of cover are common, but there is no need to settle for less than what you signed up for.

We are experienced in life insurance (income protection, trauma and TPD) and general personal insurance (home, contents, motor vehicle, travel, personal accident and illness).

Legal teams are increasingly under pressure to deliver more for less. To address these challenges, Lee Lawyers works in close partnership with our clients and bring innovation to our legal services such as in: information technology, on-site meetings and meditations.


Income Protection and TPD

Often, one’s greatest asset is the ability to stay in work and earn income. Success or failure in such insurance claims can be life-changing.

We are experienced in managing Income Protection (IP), Trauma and Total and Permanent Disability (TPD) claims. Terms and conditions of such insurance range widely – within superannuation group policies, cover obtained individually or via a life insurance broker. We have successfully prosecuted many claims including for ‘own occupation’ and ‘any occupation’ cover types.

Such claims can be contested vigorously by insurers so it is necessary to have a highly credentialed lawyer on your side. Our principal has practised as a claims officer and an underwriter so understands both sides of the insurance business. He remains an ANZIIF Certified Insurance Profession, which is rare among lawyers acting for plaintiffs.

Compensation Claims

We have a no advertising policy.

This firm does not have the expense of contracted movie stars or advertise on television and radio. But in reality, it is the firm to which other lawyers quietly refer their own clients.

We have long-standing success in successfully prosecuting third party claims involving motor vehicles, work and public liability.  Some of our matters involve considerable property damage.

While there may be blame, there is not necessarily a legal claim worth pursuing.  We do not take every matter but on the ones we do, offer no win – no fee payment terms for our costs.

Reputation is our currency.  If you want to deal with a local law firm owner and are looking for professional, not brash and greedy, this is your firm.

Commercial Insurance

We are one of few insurance law firms that does not act for insurers. Our principal Ross Lee is a former loss adjuster and underwriter and he remains an ANZIIF certified insurance professional.

We are experienced in ‘first party’ insurance matters including: property damage, business interruption (consequential losses), machinery breakdown and marine insurance (hull and cargo). Our firm has represented many clients with major claims involving fire, storm & tempest, flood and theft.

Life insurance claims for key persons (“key man”) are also on the rise. Lee Lawyers is also experienced in managing the defence of liability or ‘third party’ claims in: public liability, product liability, professional indemnity, director and officer (management) liability.

We are often called to work with brokers to assist legal risk management with service providers and other contractors.  Hold harmless, liability waivers and obligations to insure are now common, but can be removed if handled properly.

Workers' Compensation Defence

Lee Lawyers is commonly approached by employers regarding possible fraudulent or  overstated claims, especially in Workers’ Compensation.

We give our clients the inside running as our principal is a former loss adjuster about not only the claim but also, proactive risk management legal advice to prevent future problems.

As the rules and regulations are always changing in the workplace, employers find our legal services very helpful. If not managed, penalties and damages claims against businesses uninsured against workers compensation can be severe and lead to personal bankruptcy or wind up of company in insolvency.

We have extensive experience with WorkCover Queensland, appeals to the Workers’ Compensation Regulator (formerly Q-Comp), the Medical Assessment Tribunal and the Queensland Industrial Relations Commission (QIRC).

Body Corporate and Strata Title

Managing insurance brokers tendering for body corporate business is a special interest. Our clients include several with sums insured over $500 million.

Many body corporate committee members and lot owners require expert assistance to know their rights and duties to insure – and to ensure those statutory obligations are properly met.

Queensland bodies corporate are required by legislation to insure all owned property for full replacement value and insure fully against public risk. We are able to provide clients a full insurance law gap analysis report.

Our staff is happy to manage, create savings and add value for strata insurance cover purchases, and are happy to work either with or without a broker. As we are insurance lawyers, not brokers, we are fully independent of commissions paid by insurers.

We are also able to expertly manage claims, including resolving disputes on negotiated (or litigated) terms.