Common legal protection plans cover the costs up to the general insured sum. Latter depends on the plan chosen and varies from as low as 100,000€ through to no limitation.
Insurable legal expenses are those of:
On a standard policy the following aspects are covered under the 'Private' module:
In Germany the job-related legal module can only be purchased alongside private legal insurance and covers the following two aspects of our working lives.
External affairs:
The so-called 'Professional Rights Legal Protection' component (German: Berufsrechtsschutz) is the corner stone of job legal insurance and is often used for scenarios such as:
Internal affairs:
Disagreements between the employee and employer in conjunction with contractual agreements. This component is the called 'Labour Law Legal Protection' (German: Arbeitsrechtsschutz) and is a subcomponent of the 'Professional Rights Legal Protection' module.
Some of the scenarios it covers:
Professional Rights Legal insurance is what we often see companies offer, promoting cheap rates, yet tend to “forget” to mention that Labour Law Legal protection is not included and if, with curtailments that can only be spotted by reading the small print.
For the traffic legal insurer it is usually irrelevant if the incident occurred on the way to work, during a business trip or whilst on vacation.
Even conflicts in connection with a vehicle purchase or repair are insured.
The policy holder and family members are covered in their capacity as,
Insurance cover also extends to all persons in their capacity as authorised drivers, or authorised passengers in motor vehicles.
Often the circumstances of an incident are not clear-cut so that a court must decide who is at fault and therefore responsible to bears the costs.
With traffic legal insurance at your side you will not only need to worry about such costs, but will also be able to enforce demands such as:
Whether the right insurance product has been purchased the customer will only ever know when having to file a claim. As with any insurance product, foremost 'quality' must predominate 'price' and therefore having a trustworthy broker to find a perfect balance is incontestable the smartest approach. Yet we agree, checking can never harm and doing so by using "Franke & Bornberg" ratings will put your mind at rest to have purchased the right insurance, or initiate a cancellation procedure with our help, if required.