Independently of your compulsory “Civil Liability” insurance, you can add legal protection insurance to it. Is it really useful? What price should you expect? What does such insurance cover?
It is mandatory?
You are required to contract auto insurance. Its purpose is to reimburse damage caused to third parties if you are responsible for an accident. In addition, you may take out other insurance such as general insurance, driver insurance or legal protection insurance. These additional insurances are not compulsory. You therefore have the free choice whether or not to take out such insurance. For the Lawyer for car accidents these cases are important.
When does legal protection insurance take place?
When driving with your car, you risk being involved in a traffic accident. Much discussion can ensue as to who is responsible for the accident. In the worst case, such discussions can even end in court. Or you have committed a driving offense for which you must answer for it in court and where you risk a fine or even a withdrawal of a driving license. You can also have a contentious discussion with your dealer where you bought or had your car repaired. Your legal protection insurer can intervene in these specific cases. And even more, in the event of a dispute concerning the road tax, registration or technical inspection of your car, your legal protection insurer can help you.
- In order for your insurer to intervene, the discussion or dispute that you have must of course have something to do with your car. The insurer will therefore not intervene for problems that do not concern your car, for example a dispute with your tenant, your neighbors, a contractor, etc. For such disputes, possibly consider taking out separate legal insurance.
- Know that one font is not the other. What is specifically covered by legal protection insurance and for what amounts depends from one company to another. Usually, the better your coverage, the more expensive the premium you will have to pay for your insurance. Before committing to an insurer, it is important to know precisely what coverage it offers.
What exactly does the insurer do?
First of all, your legal protection insurer can advise you free of charge. In addition, he can defend your interests in litigation with an opposing party, for example, by writing a letter and trying to find an amicable solution. And that’s not all. Your insurer will also pay, within the limits of the insurance policy, the costs of lawyers and justice (such as procedural allowances of the successful party) if you are involved in a lawsuit.
Please bear in mind that any damages or fines to which you may be liable during the procedure are not paid by your legal protection insurance. You yourself must pay the fine that you received following a traffic violation. If you are ordered to compensate an opposing party involved in a traffic accident, it is probably your compulsory third-party auto insurance that will untie the purse strings.