Many have certainly already heard of the policy for legal protection. Created as an accessory guarantee and now required by an ever-increasing number of drivers, this type of coverage allows the insured not only to receive due to legal assistance in the event of debate before a judge but also to receive compensation in the case in question.
Which also belongs to the party involved?
This is an advantage not insignificant: if the insurance company is required to pay the legal fees in the event that the insured was involved in a claim but is right, the legal protection policy offers legal and economic support to the insured even if I’m wrong. The idea of wrong and right obviously depends not only on the dynamics of the accident but also (and above all) on the unquestionable judgment of the expert but, in any case, the support of a lawyer is essential. The car accident lawyer can guide you in this.
Legal protection policy: the estimate calculation
If we talk about costs, it is good to say that the legal assistance represents an additional cost which is added to the premium agreed for the policy, since it is an accessory guarantee. However, some insurance companies have well thought of offering new customers or long-term policyholders a trial period for this coverage, which ranges from six months to a full year. In this way, the customer can save considerably and decide if this type of coverage is right for him. Alternatively, the companies offer packages of ancillary guarantees that you can choose to save on the final price, without giving up the coverage chosen. When calculating the estimate for your car or calculation insurance for your motorcycle insurance, it is advisable to carefully observe every detail and choose the most advantageous.
Legal protection policy: car and motorcycle insurance
The legal protection policy allows the insured to feel safe, even in extreme cases. Should he be involved in very serious accidents or there is a concurrence of guilt with other drivers, the legal protection policy would allow the driver to request the support of a specialized lawyer, of his choice or suggested by the insurance company. Whether it is a claim made by car or motorbike, the driver may request the intervention of” a professional, provided he is qualified according to the applicable law,” as stated in Article 174 of the Insurance Code.
Legal protection policy: cancellation of the policy
In the event of cancellation of the insurance policy, coverage in the event of a legal dispute would also automatically expire. Many insurance companies, in fact, allow you to cancel or suspend your insurance coverage but it is good to specify that with it the accessory guarantees included in the contract are also canceled. There are cases in which the insurance company decides to cancel the coverage offered to an insured person.
Legal protection policy: special cases
When signing the contract, it is necessary to read the clauses carefully and understand which cases are not covered by the policy for legal protection. Usually, insurance companies reserve the right not to offer their services if:
- The driver was under the influence of alcohol or drugs
- There are violations of the regulations in force (such as failure to review the vehicle)
- Other sanctions are active, such as a vehicle stop or driver’s license withdrawal
As easy to guess, these are borderline cases, but for companies, it is always good to specify to avoid attempts at fraud or false declarations. Also, pay attention to any expenses not covered.