In short, motor vehicle legal protection covers your legal costs for any legal action you may take as a result of an accident. Let`s start with the basics. Although many drivers consider legal protection insurance as a small box on their insurance quote form, it is much more than that. If you`re facing legal action and have to go to court for a car accident, how are you going to pay your legal fees? That is why there is legal protection for motor vehicles. If you are unable to work after an accident that was not your fault and you lose £10,000 in income, you can claim it from your legal expenses insurance. Motor vehicle legal protection basically covers things that your general auto insurance doesn`t cover. In the event of an accident for which you are not at fault, your own insurance will not help you recover: depending on how you look at it, legal protection for motor vehicles could be the most useful of auto insurance additions – the ace in your back pocket. Assuming you don`t have coverage elsewhere, it`s a good idea to take a closer look at legal protection so you can decide if it`s worth it for you. As with any form of car insurance, you may not even need to seek your legal protection and it may seem like a waste of money. However, if you ever find yourself in a legal position, you`ll want to have it if you end up having to pay the cost out of pocket.
This should be enough to answer the question of whether I should get legal protection with car insurance. Strictly speaking, you don`t need legal protection – because it`s not a requirement of the law. 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 car insurance, whether your insurance policy includes it as standard or you`re looking for dedicated coverage to help you when you need it, today we`re going to explore everything you need to know when it comes to legal coverage. Let`s dive in! Many insurers offer legal protection of up to £100,000, but it`s worth looking for cover of at least £50,000 to make sure you don`t get out of pocket as legal fees can go up. If you enjoy 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. However, there are other alternatives you should think about if you`re still wondering if car insurance is worth it. You may already have legal protection under another insurance policy or if you have a premium bank account plan. But having to fight for corners in court can quickly become a costly task. Some motor vehicle legal protection policies can cover up to £100,000 in costs, so this is a good indication of what those costs may be.
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. The good news is that motor vehicle legal protection doesn`t just cover you for court-imposed fees. It also covers you when a case is settled through negotiations between lawyers. You can use your legal protection to claim uninsured losses, including: Legal protection does not pay you compensation, but reimburses you for legal fees if you sue a third party for damages. Legal protection for motor vehicles is not required by law like your auto insurance, but it can help cover the cost of legal fees if you are involved in an accident where the other party is at fault. Motor vehicle legal protection can also help you recover the excess you paid for your auto insurance claim. As with most insurance products, there are some things for which automobile legal protection does not cover you. Is the legal protection supplement to a car policy usually worth the usual £25? I own a car and a motorcycle and pay for legal protection for both policies. Could I manage with one policy to cover me for both vehicles? My wife also owns a car and a motorcycle. Could we have access to a separate directive on legal protection that would cover us both in all eventualities? AM, via email Motor vehicle legal protection usually covers you up to £100,000 in fees – and some insurers offer much more. If you need your legal protection, all you usually have to do is call your insurer and talk to them about how to access the protection you have.
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? 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. If you purchase car insurance, you may be asked if you want to add optional automobile legal protection. In both cases, you will have to pay the legal fees incurred, but this can be extremely expensive depending on your individual situation. With legal car insurance, your insurer covers your costs. The other option is to hold one fund per rainy day for larger expenses like this. However, given that legal fees can run into the tens of thousands of pounds, you may need a substantial pot. 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.
Legal protection does not cover the cost of hiring your own lawyer, as your insurer will provide you with one. However, it covers costs that may arise as a result of a court case. These costs typically include: The easiest way to find out how to apply for legal protection is to visit our review page, where you`ll find everything you need to know when you can start and change your claims process. If you or your passenger are injured in an accident, motor vehicle legal protection can help you get compensation for possible injuries. 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, when you ask what is covered by the law in auto insurance, the offer usually depends on what your specific insurance provider offers, so you should always check what is included in your preferred policy. You can get the best quote and buy motor vehicle legal protection in minutes by clicking here. There is no guarantee that your insurer will take the matter on your behalf, even if the legal protection of the motor vehicle exists. There must be a fair chance of success so that they can sue the third. It is possible to take out motor insurance with integrated or additional automobile legal protection as part of the insurance or brokerage activity.
Alternatively, you can purchase a separate legal protection policy. Without legal protection for motor vehicles, you should pursue each of these things yourself and risk losing 25% of the compensation in legal fees and dedicating your time and effort. Alternatively, you benefit from free autonomous legal protection from Free Motor Legal. Visit their website to learn more about what they offer. If you become a member of this program, Free Motor Legal will put you in touch with legal representatives who will defend your case – again, only if they consider it winnable – on a no-earnings, no-fee basis, from which Free Motor Legal also receives a commission. While motor vehicle legal protection covers you when a judge decides costs should be covered, most cases never go that far. The truth is, you may already have legal protection in an insurance policy you already have, whether it`s home insurance, existing auto insurance, or something similar. 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. When you compare auto insurance quotes, you`ll almost certainly come across a section asking if you want to add auto legal protection. However, since motor vehicle legal protection is usually a very cost-effective addition to your policy, you can save a lot of money if you find yourself in a vehicle-related dispute.