Legal Protection Insurance

Insurance

Litigation always costs money. Your opponent only has to pay these costs if he loses in court. Therefore, many shy away from such a dispute out of fear of the resulting costs – even if they are in the right. Legal protection insurance can cover all costs for any legal disputes that you have to deal with.

Details on private, professional and traffic legal protection insurance

What is insured?

In principle, all legal matters can be insured. Depending on your needs, special insurance can be taken out for different legal areas.
In addition, the risk of participating in road traffic can be insured. For:

Owner, keeper, driver or occupant of all vehicles registered in your name or insured in your name when the contract was concluded and during the term of the contract
Drivers not on vehicles allowed on you
Pedestrians, cyclists or passengers

What is not insured?

The following risks are excluded from the insurance cover:

Defense against claims for damages by third parties
Disputes arising from an intentional crime
Disputes with your own legal protection insurance company
Disputes between the policyholder and persons who are also insured in the same insurance policy
Disputes in connection with gaming or betting contracts as well as futures or similar speculative transactions
Administrative offenses committed willfully
Disputes that arise in the planning, construction, renovation and financing of real estate
Expropriation, plan approval, land consolidation procedures as well as all matters regulated in the building code
Mining damage that occurs to buildings or properties
Development and resident taxes as well as tax valuation of properties
Disputes from stopping and parking violations

The insurance does not cover the following costs:

Costs that arise from the fourth or any further enforcement measure per enforcement order
Costs that someone else would have to cover if there is no legal protection insurance

Activity types

Legal protection insurance includes various benefits:

Legal protection for damages for the assertion of claims for damages, insofar as these are not based on a breach of contract
Legal protection at work for safeguarding legal interests arising from employment relationships
Legal protection in contract and property law for the safeguarding of legal interests arising from private law obligations and rights in rem, insofar as insurance protection is not included in the type of damage compensation legal protection.
Tax legal protection for the defense of legal interests in tax and tax law matters before German tax and administrative courts.
Social court legal protection for the defense of legal interests before German social courts
Disciplinary and professional protection for the defense in disciplinary and professional law proceedings
Criminal legal protection for the defense on charges of an offense
Administrative offense legal protection for the defense on account of the charge of a regulatory offense
Advisory legal protection in family and inheritance law after the occurrence of a legal protection case for advice or information from a lawyer licensed in Germany, if the matter is not related to another fee-based activity of the lawyer

What costs are insured?

Up to the insured amount shown in the insurance contract, the legal protection insurance covers a large number of

Cost of your own lawyer
Correspondence lawyer costs if the court is more than 100 km away from the policyholder's place of residence
Court costs including witness fees and costs of court-appointed experts
Bailiff costs
Cost of having your own expert
Defense costs in criminal and administrative offense proceedings in traffic law
Costs for asserting claims for damages under traffic law in cases abroad
Costs in disputes based on a vehicle purchase or repair contract.
Travel expenses of the policyholder to foreign courts if the personal appearance has been ordered by a court
Translation costs for documents in foreign cases
Costs of the other party, insofar as the policyholder is obliged to reimburse

Who is insured?

Different people can be insured as required:

Policyholder
Spouse or illegitimate partner
Minor children
Unmarried children of legal age up to the point in time at which they start a permanent professional activity

Where is the insurance valid?

In principle, the insurance cover applies worldwide. Various legal disputes have to take place in Germany, e.g. social court and tax legal protection only exists in German courts.

Are there waiting times?

There is a waiting period of 3 months in

Legal protection at work
Building, apartment and property legal protection
Legal protection in contract and property law
Tax legal protection
Social court legal protection
Administrative legal protection

This is to prevent legal protection insurance from being taken out if a claim is already looming.

The waiting period does not apply if a similar contract existed with another company for the same risk and the new contract follows directly.

There is no waiting time for types of services for which a damage event can hardly be foreseen in terms of time:

Legal protection for damages
Disciplinary and professional legal protection
Criminal legal protection
Administrative offense legal protection
in family and inheritance law
in the case of purchase or leasing contracts for a new vehicle

Legal Protection Insurance