Insurance Claim – Liability Assessment

Personal injury claim from trip on defective footway on Barley Lane (32mm raised ironwork, reported 28 Oct 2024; not repaired until 19 Nov 2024 – 5 days after incident). Liability likely to be established; S41 Highways Act duty engaged; S58 defence unavailable. Total exposure estimated £15,500–£20,000. Recommends without-prejudice settlement offer of £16,500.