What is the typical process for stage 2 EPL/PL protocol regarding the settlement pack?

• A. It is not required
• B. It is completed and sent to insurer with offer to settle
• C. It must be approved by the court
• D. It is prepared after the hearing

Answer: (B)

In Stage 2 of the EPL/PL protocol, the settlement pack is prepared and sent to the insurer together with an offer to settle. The claimant’s solicitor assembles the pack with the key evidence and calculations needed for the insurer to assess liability and quantum (such as liability support, medical reports, and loss/damages figures) and then presents an offer to settle. The idea is to move negotiations forward without going to court, allowing the insurer to consider the claim and respond with acceptance, rejection, or a counter-offer.

This isn’t a step that happens only after a hearing, and it doesn’t require court approval at this stage. It’s also not optional—the settlement pack is a standard part of progressing toward resolution in the protocol.