# MK Legal Group


## Posts

- [Can a contract of Insurance be discretionary?](https://mklegalgroup.com.au/post/contract-of-insurance-and-a-contract-of-discretionary-insurance/): the possibility of courts making findings adverse to the insurer’s interests (i.e.
- [How is an agency relationship formed?](https://mklegalgroup.com.au/post/how-an-agency-relationship-is-formed/): Agency is a tripartite relationship in which one person (the agent) has the authority to create legal relations between a principal and a third party.
- [What is the difference between, guarantee, indemnity and insurance?](https://mklegalgroup.com.au/post/what-is-the-difference-between-a-contract-of-indemnity-and-a-contract-of-insurance/): Insurance, indemnity and guarantee are distinct contractual arrangements with different purposes.
- [What is moral hazard in insurance?](https://mklegalgroup.com.au/post/moral-hazard-insurance-premium-calculation/): An insurance policy is a contract comprising a promise by the insurer to indemnify the policyholder for loss as defined under the policy, in return for consideration of the payment of premium to the insurer.
- [What does is mean when a communication is marked without prejudice?](https://mklegalgroup.com.au/post/what-does-is-mean-when-a-communication-is-marked-without-prejudice/): The term “without prejudice” is a common law rule that enables the opposing parties to negotiate without fear that adverse inferences may be drawn from what they say during settlement negotiations, whether written or oral.
- [What is Accord and Satisfaction?](https://mklegalgroup.com.au/post/what-is-accord-and-satisfaction/): ‘Accord and satisfaction’ is a two-pronged legal doctrine which was defined concisely by Gummow J in Thompson v Australian Capital Television Pty Ltd [1996] 186 CLR 574 as consisting of an ‘agreement or consent (accord) to accept something in place of the full remedy to which the recipient is entitled (satisfaction)’.
- [How is a claim for loss of revenue measured?](https://mklegalgroup.com.au/post/how-is-a-claim-for-loss-of-revenue-measured/): The method of calculating consequential loss as a result of damage to a business or an income earning chattel is to compare the turnover in the months following the damage, with that in the corresponding period in the twelve months preceding it.
- [What is loss of use and how do you claim it?](https://mklegalgroup.com.au/post/what-is-loss-of-use-and-how-do-you-claim-it/): In an action for damages, a plaintiff would generally have a claim for direct damages. For example, a claim for cost of repairs of a damaged vehicle.
- [What is loss of amenity of use](https://mklegalgroup.com.au/post/what-is-loss-of-amenity-of-use/): Background When we think about property damage, we often focus on the physical damage, transport expenses, and loss of property.
- [Limitation of actions for all Australian jurisdictions](https://mklegalgroup.com.au/post/limitation-of-actions-for-all-australian-jurisdictions/): Here’s a quick reference note on limitations of actions for debt recovery in all jurisdictions (according to current law).
- [Res Judicata insured and uninsured losses](https://mklegalgroup.com.au/post/res-judicata-insured-and-uninsured-losses/): An issue that commonly arises in insurance recoveries is the failure of the plaintiff to realise insured and uninsured losses.
- [Is an insurer’s recovery action compromised by a Release given by their insured?](https://mklegalgroup.com.au/post/s-an-insurers-recovery-action-compromised-by-a-release-given-by-their-insured/): One of the purposes of subrogation is to prevent one person being unjustly enriched at the expense of another.
- [Can an insurer recover damage from the driver of a vehicle that is insured?](https://mklegalgroup.com.au/post/can-an-insurer-recover-damage-from-the-driver-of-a-vehicle-that-is-insured/): The general rule is that an authorised driver of an insured vehicle, temporarily becomes the new insured in place of the insured person, for the time that they are in control of the insured vehicle.
- [Section 54 of the Insurance Contracts Act 1984](https://mklegalgroup.com.au/post/section-54-of-the-insurance-contracts-act-1984/): Section 54 of the Insurance Contracts Act takes a bit of time to digest. So, let’s look at section 54 through some examples.
- [Can a third party bring action against the insurer of another person?](https://mklegalgroup.com.au/post/can-a-third-party-bring-action-against-the-insurer-of-another-person/): A useful provision of the Insurance Contracts Act 1984 (Cth) is section 51.
- [What is Misrepresentation in insurance?](https://mklegalgroup.com.au/post/what-is-misrepresentation-in-insurance/): What is Misrepresentation in insurance?
- [What is a carriers liability with respect to baggage delivered by air?](https://mklegalgroup.com.au/post/what-is-a-carriers-liability-with-respect-to-baggage-delivered-by-air/): In Australia, the liability of carriers is governed by the Civil Aviation (Carriers Liability) Act 1959 (Cth) (“the Act”).
- [What is right of subrogation?](https://mklegalgroup.com.au/post/what-is-right-of-subrogation/): Right of subrogation is a commonly misunderstood principle.
- [Your rights under your insurance policy](https://mklegalgroup.com.au/post/your-rights-under-your-insurance-policy/): Insurance Contracts may contain exclusion clauses. But the exclusion clauses won’t give the insurer the right to completely deny a claim.
- [In disputes success is often ill-defined.](https://mklegalgroup.com.au/post/in-disputes-success-is-often-ill-defined/): Firstly, success should not be confused with a commercial compromise or a favourable court judgment.
- [In insurance contracts, you have to act in utmost good faith and make disclosure](https://mklegalgroup.com.au/post/in-insurance-contracts-you-have-to-act-in-utmost-good-faith-and-make-disclosure/): There is certain information that is vital to the formation of a contract of insurance (“COI”).
- [What are the Consumer Guarantees and who is covered by them?](https://mklegalgroup.com.au/post/what-are-the-consumer-guarantees-and-who-is-covered-by-them/): If you want to know about the consumer guarantees under the Australian Consumer Law (ACL), read this.
- [What is a contract of insurance?](https://mklegalgroup.com.au/post/what-is-a-contract-of-insurance/): Insurance is a relationship of indemnity which exists between two parties, the insurer and the insured.
- [A hidden element of dispute resolution](https://mklegalgroup.com.au/post/a-hidden-element-of-dispute-resolution/): In a busy environment, you may have no time to put aside for thinking. You’re overwhelmed with cases.
- [Seek lawyers assistance when drafting documents](https://mklegalgroup.com.au/post/seek-lawyers-assistance-when-drafting-documents/): Mistakes made on legal documents are reparable, but generally at a cost. We can’t stop ourselves from making mistakes, but we can minimise them.
- [Negotiate effectively to resolve your dispute](https://mklegalgroup.com.au/post/negotiate-effectively-to-resolve-your-dispute/): How do you win in a dispute? Or more appropriately, how do you successfully “resolve” a dispute?

## Pages

- [Our People](https://mklegalgroup.com.au/our-people/): [vc_row][vc_column css=".vc_custom_1731918927869{padding-top: 60px !important;padding-bottom: 50px !important;}"][vc_row_inner][vc_column_inner width="1/4"][/vc_column_inner][vc_column_inner width="1/2" ct_column_inner_class="rm-padding-lg" css=".vc_custom_1551760226751{padding-top: 0px !important;padding-right: 45px !important;padding-bottom: 0px !important;padding-left: 45px !important;}"][ct_heading text="Our People" align_lg="align-center" align_md="align-center-md" align_sm="align-center-sm" align_xs="align-center-xs" font_size_sm="24" font_size_xs="24" font_weight="" show_gap="show" description_font_weight="inherit" margin_bottom="0"][/vc_column_inner][vc_column_inner width="1/4"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css=".vc_custom_1731919138663{padding-bottom: 50px !important;}" el_id="mohammad"][vc_column width="1/3" offset="vc_col-lg-3 vc_col-md-3"][ct_team_member image="2543" social="%5B%7B%7D%5D" title="Mohammad Kashefi" position="Principal Solicitor" el_class="single-team"][ct_space space_lg="0" space_md="0" space_sm="0" space_xs="42"][/vc_column][vc_column width="2/3" offset="vc_col-lg-9 vc_col-md-9"][vc_column_text css=".vc_custom_1771473926422{margin-top: -8px !important;margin-bottom: 48px !important;}"]Mohammad is the Principal Solicitor and Director of MK Legal Group.
- [Faqs](https://mklegalgroup.com.au/faqs/): [vc_row][vc_column css=".vc_custom_1551769316197{padding-top: 112px !important;}"][vc_row_inner][vc_column_inner width="1/4"][/vc_column_inner][vc_column_inner width="1/2" ct_column_inner_class="rm-padding-lg" css=".vc_custom_1551768476602{padding-top: 0px !important;padding-right: 45px !important;padding-bottom: 0px !important;padding-left: 45px !important;}"][ct_heading text="We are very happy to recieve any query from you" align_lg="align-center" align_md="align-center-md" align_sm="align-center-sm" align_xs="align-center-xs" font_size_sm="24" font_size_xs="24" font_weight="" show_gap="show" subtitle="FAQ" description_font_weight="inherit" margin_bottom="0"][/vc_column_inner][vc_column_inner width="1/4"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css=".vc_custom_1551769324929{padding-top: 20px !important;padding-bottom: 118px !important;}"][vc_column width="7/12" css=".vc_custom_1551769626819{padding-top: 60px !important;}" offset="vc_col-lg-8 vc_col-md-8"][vc_tta_accordion active_section="3"][vc_tta_section title="How do I find my Windows product key?"
- [Blogs](https://mklegalgroup.com.au/blogs-posts/)
- [Contact](https://mklegalgroup.com.au/contact-us/): [vc_row css=".vc_custom_1732628697387{padding-right: 15px !important;padding-left: 15px !important;}"][vc_column ct_column_class="rm-padding-sm" css=".vc_custom_1545897722938{padding-top: 0px !important;padding-right: 70px !important;padding-left: 70px !important;}" el_class="col-boxshadow"][ct_space space_lg="62" space_md="62" space_sm="62" space_xs="30"][vc_row_inner][vc_column_inner css=".vc_custom_1545816757842{padding-top: 0px !important;}" offset="vc_col-lg-9 vc_col-md-9"][ct_heading text="Contact us" font_size_xs="26" text_transform="capitalize" font_weight="" text_color="#FFFFFF" description_font_weight="inherit"][/vc_column_inner][vc_column_inner width="7/12"][vc_column_text css=".vc_custom_1732687404631{margin-bottom: 9px !important;}" el_class="color-heading"]Please contact us using the information below.
- [Our Team](https://mklegalgroup.com.au/our-people-2/)
- [Our Approach](https://mklegalgroup.com.au/our-approach/): [vc_row full_width="stretch_row_content_no_spaces" content_placement="middle" css=".vc_custom_1733484727137{padding-top: 60px !important;}"][vc_column ct_column_class="rm-padding-lg" ct_column_offset="col-offset-left" offset="vc_col-lg-6 vc_col-md-6"][ct_heading text="Our client centred approach" font_size_sm="24" font_size_xs="24" font_weight="" show_gap="show" subtitle="About us" description_font_weight="inherit" margin_bottom="0"][vc_column_text css=".vc_custom_1731660615005{margin-top: 37px !important;margin-bottom: 40px !important;}" el_class="text-block1"]We provide our clients with access to skilled lawyers and expert legal advice at the best-negotiated rates.
- [Our Services](https://mklegalgroup.com.au/practice-areas/): [vc_row full_width="stretch_row" parallax="content-moving" parallax_image="1663" ct_row_class="row-overlay" css=".vc_custom_1731828164447{background-color: #FFFFFF !important;}" el_id="section-services"][vc_column css=".vc_custom_1731578948924{padding-top: 70px !important;padding-bottom: 70px !important;}"][vc_row_inner][vc_column_inner ct_column_inner_class="rm-padding-lg" css=".vc_custom_1551779742241{padding-top: 0px !important;padding-right: 45px !important;padding-bottom: 63px !important;padding-left: 45px !important;}"][ct_heading text="Our practice areas" align_lg="align-center" align_md="align-center-md" align_sm="align-center-sm" align_xs="align-center-xs" font_size_sm="24" font_size_xs="24" font_weight="" text_color="#000000" show_gap="show" subtitle="Services" description="Our comprehensive legal services are designed to address your disputes, insurance claims, and contract law needs with expertise and clarity.
- [Home](https://mklegalgroup.com.au/): Achieving long-term profitability for our clients with structured cost transparency.


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