Whether you are involved in a traffic accident, disputing with your employer, or dealing with poor workmanship from a contractor, enforcing your legal rights may require a lawyer or going to court.

Without insurance, losing a legal case means paying attorney fees, expert costs, and court fees out of pocket, which can quickly add up to significant amounts.

A solid legal protection policy ensures:

• Expert support and financial backing to pursue your rights

• Coverage of all costs in a dispute, up to the agreed insurance limit

• Protection against financial risks associated with legal proceedings

Legal protection insurance allows you to assert your rights confidently without worrying about the high costs of litigation.

Legal disputes can be very expensive. Even small cases can result in thousands of euros in attorney and court fees, plus costs for expert reports and witnesses.

A legal protection policy shields you from these financial risks:

• If you lose a case, you are protected against paying not only your own costs but also those of the opposing party.

• Even if you win, you may still face expenses if the opponent is unable to pay; insurance covers your legal costs in such situations.

Coverage extends beyond court proceedings:

• Partial victories or settlements often require each party to bear their own costs; the insurance helps cover these expenses.

• Mandatory out-of-court mediation before lawsuits in some states is also typically covered by legal protection insurance.

This ensures you are financially protected throughout legal disputes, whether in court or in mediation.

Legal protection insurance covers many financial risks, but it cannot insure every possible legal case while keeping premiums affordable.

Common exclusions include:

• Traffic violations like parking fines

• Disputes related to construction or home building

• Issues in corporate law or business partnerships

• Conflicts arising from gambling, betting, or speculative transactions

Special rules for inheritance and family law:

• In inheritance law, coverage typically only includes legal consultation, for example when the death of an estate owner changes the legal situation.

• The same applies to family law matters.

Internal disputes:

• Legal disputes between persons covered under the same policy are generally not insured.

These limitations help keep premiums reasonable while still providing comprehensive protection for most everyday legal risks.

Common areas of legal conflict:

1. Employment disputes:

   • If you want to challenge a termination, you must file a claim at the labor court within three weeks.

   • In the first instance, each party pays their own attorney fees, regardless of the outcome. Without legal protection insurance, even a win may leave you personally responsible for legal costs.

2. Rental disputes:

   • Conflicts between tenants and landlords are frequent, including termination for personal use, utility billing issues, or payment arrears.

   • Legal protection insurance ensures you don’t have to cover costs yourself in case of a dispute.

3. Traffic accidents:

   • Whether at fault or not, traffic accidents often lead to legal conflicts.

   • Property damage alone can cost thousands of euros, and claims for serious injuries with permanent consequences can be substantial.

With legal protection insurance, you are financially secure and can pursue or defend your rights without bearing the high costs of litigation yourself.

Insurance comes at a price, and some may suggest skipping legal protection coverage. However, traffic accidents, job terminations, injuries caused by others, or disputes with landlords are unpredictable and unavoidable.

If you want to assert your rights in these situations, legal action is often unavoidable. Having legal protection insurance ensures you can pursue or defend your claims without financial risk.

Typical premiums:

• For a 30-year-old single employee, private legal protection starts at around €100 per year.

• Coverage including traffic and rental disputes typically costs about €170 per year, depending on the chosen deductible.

This makes legal protection insurance an affordable way to secure financial safety in legal matters.

Which coverage do you need?
Legal protection insurance offers modular coverage, allowing you to select and later adjust the areas most relevant to your personal and professional life:

• Traffic legal protection: Covers all disputes related to your vehicle.

• Employment legal protection: For self-employed or employees, includes conflicts with employers, such as wrongful termination or unpaid wages.

• Rental and property legal protection: Covers disputes as a tenant or landlord.

• Optional exclusions: Older policyholders may exclude coverage for professional matters.

• Additional areas: Tax disputes, contractual issues, claims for damages, criminal or social court cases, and inheritance disputes can also be included.

Before signing a contract:
It is essential to carefully review and seek advice on which modules and coverage levels are appropriate for your personal situation to ensure comprehensive and cost-effective protection.