Individual benefits are often excluded, such as neighborhood law or inheritance law. Disputes that fall into these areas are not covered by legal expenses insurance. Before taking out insurance, you should therefore make sure that all desired insurance areas are included in the contract. Missing areas can often be reinsured, but this can result in a significant increase in premiums.
In addition to covering as many legal areas and types of disputes as possible, you should also pay attention to the level of benefits in individual cases. Legal advice with a free choice of lawyer can quickly become very expensive, then it is good to know that legal expenses insurance also pays the corresponding costs. It is also important whether the insurer pays for the first legal advice or for legal representation of the insured. In the latter case, the latter alone bears the costs incurred after the first consultation. In addition, possible capping of damage amounts per damage event is important. These should always be high enough to be able to really pay back the costs. Also pay attention to the minimum amount in dispute that must be reached per dispute. If the insurance sets the value rather high, minor damage is not insured.
Also compare whether you get cheaper with private legal protection insurance or with the family package or with a combination of different legal protection insurance (e.g. private legal protection plus traffic legal protection) or whether you only want to cover the areas of life that are most important to you.
Tip: Find legal protection insurance now and compare the offers!
