The voluntary insurance can be obtained from different providers and in different price ranges; the costs for legal fees, expert opinions and court fees are to be covered. In addition, compensation benefits are paid in a lawsuit, which benefits are paid to the opponent of the litigation. Penalty deposits are also taken in the form of an advance.
However, legal expenses insurance does not offer general protection against all legal cases, because not all can be insured. Others have limitations. The following legal cases are often excluded from insurance benefits:
- Disputes against your own company
- Disputes with social security
- Work contracts on properties
- Neighborhood disputes
- no protection for executives
Many legal expenses insurance companies only offer appropriate protection for the above-mentioned cases at an additional cost or generally limit the coverage. Important point: The choice of lawyer is rarely free, most insurance providers provide a lawyer or set strict conditions for the selection. In addition, many labor law disputes are not covered.
If a legal dispute arises, legal protection insurance will be informed of the case first. It provides information on how to proceed, provides a lawyer or assures the assumption of costs for the appointment of a lawyer. Also important: If a family insurance policy is taken out, no legal dispute can be brought against one of the insured.
Tip: Find legal protection insurance now and compare the offers!
