So my sisters son clipped a pedestrian who was walking, guards, ambulance, etc. all called, statements made, insurance notified. Surgery was required on hand so there would be some form of claim expected.

Now insurance called him yesterday and said they were going to call the injured party to see if they wanted to pursue a claim and if they did that they may potentially come after him to recoup the costs. He was shocked and taken aback by this...

He is fully comp with AXA but its his first policy.

I have only changed myself to AXA this year and when I now just really checked my policy schedule in detail I seen this:

Our right to recovery

If AXA has to pay a claim that the policy does not cover, the amount may be recovered from the policyholder.

I am assuming this is what his policy also has? Is this the norm for all policies? I was with 123/RSA prior and could not see such a similar statement at least not obviously.