No one is safe from legal disputes:
Your Shield in Legal Disputes
A legal dispute can arise unexpectedly and involve significant costs. Legal protection insurance provides essential coverage in such cases. It covers court fees, attorney fees, and other expenses that may arise during legal disputes.
Key Benefits of Legal Protection Insurance
- Cost Coverage: The insurance covers essential costs such as attorney fees, court costs, and expenses for experts and witnesses.
- Comprehensive Protection: It covers various legal areas, including private, traffic, and employment legal protection.
- Financial Relief: With a typical deductible of around 150 euros per claim, your premiums are lowered, and you are protected from high costs in case of a dispute.
Situation in Germany
A significant number of people in Germany hesitate to assert their rights due to the high costs that a legal dispute can entail. Legal protection insurance provides the financial security to pursue your claims without the risk of being burdened with the costs.
We take care of your legal protection insurance.
We stand by your side to ensure comprehensive coverage in the areas relevant to you. Together, we will review the coverage amount and deductible details to offer you an optimal balance between extensive protection and affordability. Rely on us to find an insurance policy that provides you with security and effectively protects your rights.
What Does Private Legal Protection Insurance Cover?
- Cost Coverage: In addition to court and attorney fees, it also covers the costs for the opposing party (if you lose the case), witnesses, expert opinions, translations, and mediations.
- Bail Bonds: It provides worldwide protection by covering bail bonds.
Important Points When Choosing Your Legal Protection Insurance
- Deductible: A deductible can lower your premium. Consider how often you will use the insurance to choose a reasonable deductible amount.
- Follow-Up Event Theory: Ensure your insurance covers costs arising from causes that occurred before the policy started.
- Free Choice of Lawyer: Opt for free choice of lawyer to ensure you can select a lawyer you trust in the event of a dispute.
What Is Not Covered by Legal Protection Insurance?
- Damage Claims: The insurance typically does not cover the costs for defending against damage claims. This is covered by your private liability insurance.
- Specific Legal Areas: Topics such as construction (buying/selling real estate), copyright, family and maintenance disputes, capital investments, taxes, administrative law, and social law are usually not covered and may need to be insured as additional modules.
Main Areas of Legal Protection Insurance
- Private Legal Protection: Provides coverage in many everyday disputes, such as contract law.
- Traffic Legal Protection: Important for anyone actively participating in road traffic. It covers legal disputes related to vehicles and as a road user.
- Employment Legal Protection: Offers support for legal problems in the workplace, such as disputes over salary, severance pay, or in the event of termination.
Tips for Taking Out Legal Protection Insurance
- Coverage Amount: A coverage amount of at least 300,000 euros is recommended. Some insurers also offer unlimited coverage amounts.
- Waiting Period: Be aware of the usual waiting period of about 3 months after signing the contract, during which the insurance does not cover any costs.
- Retroactive Coverage: In some cases, particularly in traffic legal protection, retroactive coverage is possible.
Conclusion
Legal protection insurance offers you comprehensive coverage in many legal matters. It shields you from high costs and allows you to enforce your rights without financial risk. When choosing your insurance, look for extensive coverage and a coverage amount that meets your needs. With the right legal protection insurance, you can rest assured that you are well-prepared for any eventuality.
Frequently Asked Questions About Legal Protection Insurance
1. What does legal protection insurance cover?
Answer: Legal protection insurance typically covers the costs of court proceedings, attorney fees, costs for the opposing party if you lose the case, costs for witnesses, expert opinions, translations, mediation, and bail bonds worldwide.
2. What areas does legal protection insurance typically cover?
Answer: The main areas covered are private legal protection, traffic legal protection, and employment legal protection. Additionally, tenant legal protection or landlord legal protection can be included.
3. What is usually not covered by legal protection insurance?
Answer: The insurance generally does not cover damage claims, disputes in the construction and real estate sector, copyright matters, family and maintenance disputes, disputes in the field of capital investments/taxes, administrative law, and social law.
4. How high is the deductible in legal protection insurance?
Answer: The deductible is usually between 150 and 300 euros per claim. This amount can vary and serves to lower the premium.
5. What is the follow-up event theory and why is it important?
Answer: The follow-up event theory states that events originating before the insurance policy was taken out but leading to a legal dispute afterward are covered by the insurance. This provides extended protection and is an important criterion when choosing legal protection insurance.
6. Is there a waiting period for legal protection insurance?
Answer: Yes, there is usually a waiting period of about three months after taking out the insurance, during which no benefits are provided for legal disputes, except for accidents.
7. Can traffic legal protection be taken out retroactively?
Answer: Yes, with some insurers, it is possible to take out traffic legal protection retroactively, which can be advantageous in certain situations.
8. What should the coverage amount look like for legal protection insurance?
Answer: A coverage amount of around 300,000 euros per claim is recommended. Some providers also offer unlimited coverage amounts, but make sure that you do not have to pay disproportionately high premiums for it.
9. What does free choice of lawyer mean in legal protection insurance?
Answer: Free choice of lawyer means that in the event of a legal dispute, you can appoint the lawyer of your choice instead of using a lawyer suggested by the insurance company. This offers more flexibility and can be advantageous in certain situations.
10. Can I adjust my existing legal protection insurance?
Answer: Yes, you can usually adjust or expand your existing legal protection insurance by adding additional modules to cover areas that are not included in your current policy.
We take care of your legal protection insurance.
>We stand by your side to ensure comprehensive coverage in the areas relevant to you. Together, we will review the coverage amount and deductible details to offer you an optimal balance between extensive protection and affordability. Rely on us to find an insurance policy that provides you with security and effectively protects your rights.
