legal protection
Right is one thing
Quite get another. People often renounce their right for fear of high litigation costs. A legal expenses insurance can be very useful to enforce its law legally.
However, there are also some exceptions in which the legal protection insurance does not pay. Only with appropriate prospects of success is the legal protection insurance covers court, lawyers' and appealing costs.
-The basics Whether you are involved in a traffic accident, arguing with your employer or doing a craftsman's poor work, if you want to enforce your right, going to the lawyer or the court can become inevitable. But anyone who loses a legal dispute pays lawyers, expert fees and court costs out of their own pockets - this quickly adds up to large amounts. Sound legal protection is therefore important. With expertise and financial support, the legal protection insurer ensures that you get your right without financial risk, he pays all costs up to the amount of the agreed insured in the event of a dispute.
-Scope of services Litigation is expensive - even in smaller trials, lawyers and court costs quickly go into thousands. In addition, there are often the costs for expert reports and witnesses. You protect yourself against these financial risks with legal expenses insurance. This is not only important if you have lost a dispute in court and have to bear all costs, including those of the opponent. Even if you have won the litigation, you may remain on your legal fees if your trial opponent is insolvent. Financially protected also in the arbitration process In addition, only partial successes are often achieved in court and the costs are divided accordingly between the parties. Comparisons are also not rare - who are registered and defendants each bear their own costs. The costs for out-of-court arbitration proceedings, which are required by the court in various federal states before an action, also usually pays your legal expenses insurance.
-Performance restrictions Legal expenses insurance protects against financial risks in many areas - but it cannot cover all conceivable cases if the contributions are to remain affordable for customers. Certain disputes cannot therefore be insured, such as proceedings regarding park violations in road traffic, disputes relating to house construction or in the law of commercial companies, disputes over gambling and betting contracts and speculative transactions. As a rule, the costs of legal advice are usually covered if a change in the legal situation, for example due to the death of a testator, which requires. The same applies to family law. Even disputes between persons insured together in a policy are not included in the legal expenses insurance.
-Typical claims Labour, traffic and rental disputes Legal disputes in the areas of work, transport and housing are particularly common. Anyone who wants to take action against a termination by the employer must bring an action before the labour court within three weeks. By the way, it is important for labour disputes: in the first instance, each party shall bear its legal fees itself - regardless of the outcome of the proceedings. Even if you win a labour court proceeding in the first instance, you will be on the account of your lawyer if you are not insured in the lawsuit. With legal protection on the safe side Clashes between tenant and landlord are also frequent - keywords are cancellations, cancellations, bills of expenses or payment arrears. Both as a tenant and as a landlord, you are on the safe side with a suitable legal protection if you do not want to pay the costs out of your own pocket in the event of a dispute. Even those who are involved in a traffic accident - into charge or through no fault of their own - do not avoid a legal dispute. After all, the property damage caused by traffic accidents alone cannot go into the thousands of claims for damages with lasting consequences in the event of serious injuries.
-The topic costs Insurance costs money - and some advise just to save legal protection insurance. But a traffic accident, the termination of the job, an injury by others or anger with the landlord can neither be foreseen nor avoided. If you do not want to add small in such cases, you will not avoid a legal dispute. So it's good if you are insured. For a 30-year-old single worker, private law protection is already approx. 100 euros a year. If traffic and rental disputes are also insured, the contribution (depending on the chosen excess) is around 170 euros.
-The Right Agreement What legal protection do I need? As with other insurance companies, there are also various benefit modules for legal protection, which you can complete and adapt later to the professional and private life situation. You can include all problems relating to your vehicle insurance cover (traffic legal protection), as a self-employed person you can decide whether you only want to insure the private or professional area. In the event of disputes arising from an employment relationship - for example if you are terminated or if the employer owes you money - the health and safety and number of labour laws applies. You can also insure yourself in rental and property matters or, as an older person, exclude insurance for the professional area. Informing well before the conclusion Tax disputes, contractual conflicts, matters of damages, criminal or social court proceedings and inheritance disputes can also be secured. Before taking out legal expenses insurance, you should get information and advice about which protection you personally need.