This should be taken into account when taking out legal protection insurance
In the event of a legal dispute, the costs often add up very quickly. In this case, legal protection insurance can make a valuable contribution to enforcing your own claims in court. For whom it makes sense to take out legal protection insurance, how high the sum insured is and some other questions we would like to answer below.
What is legal protection insurance for?
Legal protection insurance is particularly useful because it covers the costs of legal disputes in the private sector. These include, among other things, criminal law matters, administrative fines and disputes before social courts or claims for damages. For this purpose, the court, witness, expert, expert and lawyer costs incurred across all instances and, if necessary, the costs of the opposing party are taken over. In order for these costs to be borne by the insurance company, the legal dispute must not be conducted willfully, it must have a chance of success and the effort must not exceed the income. After taking out legal protection insurance, there is usually a waiting period of three months, during which the insured cannot claim any benefits. Since there is often no time to be lost in the context of labor law matters, some service providers now also offer Legal protection without waiting an.
Who can be insured?
Most legal protection insurances cover both singles and families with children. Seniors usually pay a lower contribution because they no longer actively participate in professional life. With a family tariff, spouses, registered partnerships or couples who live in a community can be insured and children are also insured until they start working or move into their own apartment with their parents.
Take living circumstances into account
Most legal protection insurances work according to a modular principle, so that you can put your own protection together from different modules. This way you don’t pay for services that you don’t actually need. As a rule, the following areas of life can be covered:
● Traffic legal protection: This form of legal protection insurance protects road users, regardless of whether they are traveling by car, bicycle, e-bike, bus or on foot. In this way, it is possible to receive damages or compensation for pain and suffering from the person who caused it after an accident. But even the loss of your driver’s license can, in the best case, be averted with the help of legal expenses insurance.
● Private legal protection: Private legal protection is required for disputes in all areas of life. This allows, among other things, disputes in the context of purchase, travel and insurance contracts to be resolved or Enforce claims for damages and fend off.
● Professional legal protection: In the event of labor law conflicts, for example following a warning, dismissal, disciplinary proceedings or disputes relating to salary or job reference, employees need professional legal protection.
● Housing legal protection: Residential legal protection protects tenants and owners of a property they use themselves from rent increases, terminations due to personal needs or disputes with neighbors.
Amount of the sum insured
When taking out legal protection insurance, the amount insured plays an important role. So that you can also take legal action in court in an emergency, the amount insured should be at least 300,000 euros or cover unlimited costs. In addition, the concluded contract should at least be valid in Europe and the neighboring Mediterranean countries, so that one is also protected abroad.
Choice of lawyer
In the event of a legal dispute, you should always work with a lawyer whom you fully trust. Because of this, the free choice of lawyer an important criterion that you should consider when choosing legal protection insurance.
Tariff variants
With regard to the scope of services, most insurance service providers offer their own customers several tariff options. While the basic protection usually has sufficient coverage, for which a deductible has to be paid, the coverage for the premium protection is usually higher and the deductible to be paid is lower.
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