In the event of a traffic accident, the person involved in the accident denies being at fault. Your employer terminates you ultimately unexpectedly, or there is a dispute with the neighbour. A legal difference can be expensive: Already with a dispute value of 10,000 Euros, legal costs of approx. 3,800 Euros arise in the first instance. Legal protection insurance comes in and covers the costs incurred, in addition to protecting against the financial consequences of a legal dispute.

Private legal expenses insurance protects you in your private life: if claims are to be asserted under contracts, if an insurance company does not cover you in the event of a claim, or if you need advice on inheritance law. If disputes with your employer, occupational legal expenses insurance steps in to avert an unjustified dismissal or to enforce a promotion that has not taken place. Traffic legal protection insurance provides you with useful advice in the event of a claim for compensation from a party involved in an accident or if your driving licence is revoked due to a violation of traffic regulations. As a tenant or homeowner, residential and property legal protection insurance represents your interests in the event of rent increases, cancellations or late payments by the tenant.

Private, professional and traffic legal protection insurance usually covers the policyholder, his spouse or life partner and minor children. Insurance cover also extends to adult unmarried children up to the age of 25, as long as they do not exercise their profession. The traffic legal expenses insurance also covers the policyholder as driver or hirer of third-party vehicles, as pedestrian, cyclist or passenger. Other authorised drivers and passengers of the car registered to the policyholder are also insured.

In the event of a dispute, legal expenses insurance covers the costs incurred by lawyers, courts, witnesses and experts up to the agreed insured sum. Also, bail in criminal cases, the prices of legal advice in the event of a peaceful settlement and for out-of-court conciliation proceedings are covered. Regardless of whether you win or lose the case as plaintiff or defendant, the costs will be reimbursed.