- Claims as a victim or victim in the sense of compensation law
- Disputes with insurance companies, health insurance companies or social insurance companies in the context of insurance law (however, now excluded by many legal expenses insurers or only insured to a limited extent)
- Defense in case of negligence
- Disputes with doctors
- other contract law
- Disputes in case of disregard of traffic regulations
- Disputes related to purchase, rent, lease, leasing or repairs
- Disqualification disputes
- Disputes with the employer (often only limited)
- Disputes in the sense of family, marriage or inheritance law (limited)
The insurers determine the scope of their services freely and thus individual insurance companies can exclude the points mentioned above. Important: Even in the case of excluded disputes, as listed below, advice on the dispute is often insurable and linked to a certain maximum limit (e.g. 300 Swiss francs per insured event). As a rule, the following legal cases are excluded or only advice is offered:
- Defense against claims for damages (private liability insurance is responsible)
- litigation already ongoing
- Disputes from the self-employed
- Legal cases in connection with the purchase or sale of securities
- Legal cases in the context of real estate ownership, sale or purchase of real estate
- Disputes in the context of tax and duty law
- Legal cases relating to immigration law
- Disputes in the context of canon law
- Disputes through betting and gambling
- Disputes with the insurer itself
- Legal cases in the context of company, foundation and association law
- customs disputes
- Legal cases in connection with vehicles: unauthorized vehicle use, driving without a license, commercial sale and purchase of vehicles
The exact scope of the insurance provider's benefits must be checked in accordance with the insurance policy. Any additional insurance cover must be taken out individually, in some cases it is not possible at all. Any costs from litigation must then be borne by yourself.
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