In short, motor vehicle legal protection covers your legal costs for any legal action you may take as a result of an accident. Adding legal cover usually costs between £20 and £30, but if you have a full policy, it`s worth checking if you already have standard cover. Think carefully before deciding to remove legal coverage. While this will reduce the cost of your insurance, it could potentially save you thousands if you have to use it. Your insurer will not be able to accept your request for legal protection if they believe they have a low probability of success, for example if it is not clear who is to blame for an accident. Of course, you may not like the idea of adding £30 a year to your insurance premiums, so you may be wondering if you get the same benefits as legal expenses insurance, but in a different way? In short, yes, it is possible. You may already have legal protection under another insurance policy or if you have a premium bank account plan. You can use your legal protection to claim uninsured losses, including: The truth is, you may already have legal protection in an insurance policy you already have, whether it`s home insurance, existing car insurance, or something similar. Auto legal protection can be purchased as a separate policy instead of just checking the box and adding it to your existing policy.
It is worth taking a close look and looking at the prices and quality of legal coverage offered. Some standalone policies are offered up to 60% less than the cost of those taken as an additional option with auto insurance. As mentioned earlier, depending on the insurance you already have, you may already have legal expenses insurance, you need to check what type of insurance you have and if it is already offered. If you ever find yourself able to go to court, you should know that the cost of litigation can be enormous. For this reason, the average coverage offered by providers can be as high as £100,000. But what if you`re involved in an accident that`s not your fault and you have to sue the other driver? Or, on the other hand, what happens if a driver decides to take legal action against you? Are you already covered? Check if you have car insurance with legal protection for motor vehicles. Sometimes legal fees are already included in your standard auto insurance policy, but your insurer may also deny your claim if too much time has passed since the incident or if the amount you`re disputing isn`t worth going to court. Many policies also give you access to a legal helpline that you can use at any time.
Before you decide whether it`s worth adding legal protection to your car insurance, it`s probably worth checking if you have legal protection elsewhere: if you like it, you should almost certainly buy it separately from your car or motorcycle policy. For £20 a year, Driverguardian.com sell an annual car legal protection policy that covers both you and your wife (and any other vehicle you insure), saving you £80 a year. In your case, that is what I would do. If you don`t feel like adding £25-30 to your insurance costs, there are a few alternatives. If you have legal protection for motor vehicles, you can do so without risking being even more destitute. A standard add-on could cover up to £100,000 in legal fees. It may seem obvious, but this coverage is designed to cover the costs of legal action due to a car accident. Usually, you can`t use it to cover any kind of legal fees, although some specific insurers may offer it.
If you are involved in an accident that is not your fault and you cannot work as a result, legal protection could help you recover the lost income. As mentioned earlier, depending on the insurance you already have, you may already have legal expenses insurance, check what type of insurance you have and if it is already offered. Legal protection provides financial protection against legal fees and losses following an accident for which you are not responsible. It is used to recover uninsured losses that are not covered by your standard car insurance. For example, if someone sues you or if you have to go to court to recover money from an uninsured driver. The last option you have is to deposit money into your savings account. That way, if you ever need money to pay for legal fees, you can always pay them out of that fund without having to pay for legal fee coverage! Motor vehicle legal protection usually covers you up to £100,000 in costs – and some insurers offer much more. If you need your legal coverage, usually just call your insurer and talk to them about how to access the coverage you have. Your insurer may also deny your claim if too much time has passed since the incident or if the amount you are refusing is not worth going to court. This coverage provides protection for you, the drivers named in your insurance and for all passengers. In both cases, you will have to pay the associated legal fees, but this can be extremely expensive depending on your individual situation. With legally insured car insurance, your insurance covers your costs.
The main advantage of legal expenses insurance is the extensive coverage you can get for a relatively small fee. And it also fills in the gaps where your car insurance doesn`t cover you, something many people don`t know about. The easiest way to find out how to make a claim is to visit our review page, where you`ll find everything you need to know when you can start and change your claims process. Did you know that for £15 a year you can buy Legal Care Plus from RAC, which covers you up to £100,000 in legal fees for the recovery of uninsured losses, including personal injury as a result of road accidents and other types of accidents? There is a lot of time, effort and money to spend going to court – so lawyers will try to solve a case without this extra step.