The legal protection for a Wrecked car guarantee, offered by auto insurance, allows you to cover your legal costs in the event of legal action brought by you or against you.
Conditions for legal protection of auto insurance
Legal protection is a guarantee offered by insurance companiesin particular in the context of car insurance which allows you to be represented or defended by your insurance in the event of legal action.
Legal protection is not specific to auto insurance. Most insurance companies offer this type of guarantee, home insurance for example.
Two situations, symmetrical, can arise and “activate” the legal protection guarantee:
You are the victim of a road accident
You wish to obtain compensation for your damage before the courts and obtain the conviction of the third party responsible for the accident.
You are in the opposite situation: a third party accuses you of being responsible for the road accident and takes you to court to be convicted.
Good to know: most of the time, the legal protection guarantee extends to the family of the insured.
Terms of legal protection for auto insurance
The legal protection guarantee can be included in all-risk insurance formulas . It can also be optional.
It is up to you to examine the formulas offered by the insurance companies and to choose to subscribe to this guarantee if it is not included in your form.
- In order for the legal protection guarantee to “play”, it must relate to a dispute relating to your vehicle : you wish to sue your garage owner because he destroyed your car, you wish to take legal action against the person responsible for the accident which injured you (or the reverse, it is the garage owner or a third of the accident that sues you).
- The legal protection guarantee covers the costs of the lawyer occasioned by the legal action (sometimes within certain limits defined in the contract), the costs of possible expertise and all other procedural costs.
- The assumption of costs by the insurance may be capped by the latter, according to the clauses of the contract.
The guarantee may or may not be invoked in the event of an accident which has taken place abroad (this depends on the territorial limits fixed in the clauses of the contract).
Note: insurance companies can define a threshold below which the legal protection guarantee will not apply.
Economic Benefits of Legal Protection in Auto Insurance
The economic advantages of the legal protection guarantee in the context of automobile disputes are numerous.
Justice is a public service, but an expensive public service. Legal conflicts related to road accidents and more generally to driving vehicles on public roads are a reality.
In order not to be ruined in the legal proceedings which can take place, the legal protection guarantee is a real economic asset.
Note: your insurance may offer you the services of a particular lawyer (his for example). You are free to accept the proposal or to refuse and choose the lawyer you want.
Even if it is difficult to give a price, as it can vary considerably from one insurance to another and depending on your situation, know that on average the legal protection guarantee in the context of auto insurance costs ten euros per month.
