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Insurance and liability law

As a driver, am I always responsible for accidents involving vulnerable road users? Can my insurer recover from me the damages it paid to the victim in an accident caused under the influence of alcohol or drugs? My dog bites the neighbour’s chickens to death, will I always be responsible?

The aim of liability law is to remedy or provide compensation for damage suffered. The legal domain of Liability and Insurance fascinates everyone, because every one of us is confronted with it at least once in his/her life, from birth as a child, as an adolescent, as an adult and as a senior citizen. Indeed, everyone has been a victim or is responsible for damage suffered at some time or other.

Adlex advocaten & bemiddelaars has many experts in this legal domain who are well-versed in this field and who are clear with regard to questions such as the following:

  • I have an accident at work. How is this regulated by the employer and the work accident insurer? For which damage will I be compensated?
  • I am involved in a traffic accident on the way to or from work, either as a driver or as a passenger. Am I entitled to more damages or damages other than those paid by the work accident insurance?
  • How are my physical injuries assessed? How do I get a medical expert? Who pays for them, and do they always have to go through the courts?
  • My toddler or minor is up to mischief or causes serious damage to another person. Should I be responsible for this as a parent? And when not? Will my insurance company intervene?
  • Can my insurance company cancel my insurance contracts? Can I do this and when?
  • I was involved in a traffic accident caused under the influence of drugs or alcohol. What can I do to prepare my defence in court and can my insurer always recover from me the expenses paid to the victims?
  • I was fined for speeding or another offence. How do I deal with it? Do I have to respond and how? What if the vehicle is registered to my company?

Adlex advocaten & bemiddelaars take the route of amicable settlement or mediation whenever possible. This is a very valid route for disputes between individuals.

However, with regard to insurance matters, it is better to err on the side of caution and to have our experts assist you, including when it comes to the conclusion of important contracts. How much insurance should I take out?  If the insurance company refuses to compensate the victim, what then? As a potential victim, am I sufficiently insured in legal aid to recover my damages from the responsible party?


Since 1 July 2010, Guy Heyvaert (1956, Dendermonde) has been part of the law firm as a partner-attorney after the merger of his firm with Adlex advocaten &am...

Mathieu Cilissen (1960) specialises in construction law and liability law. Since 1992, he has been a partner in the law firm Gilkens-Panis, which has grown i...

Anneleen Meylaerts (1979, Leuven) has been part of Adlex advocaten & bemiddelaars since 2010. She became a partner in 2016 and now mainly handles cases r...

Piet Janssen (1970, Genk) has been a lawyer at the Limburg Bar since 1994. He is also a mediator in family cases and has been appointed administrator. He spe...

Hanne Franssen (°1998, Bree) has been a member of the Limburg Bar since September 2022 and has been associated with Adlex advocaten & bemiddelaars since...