Legal protection insurance (or "legal defense") linked to car insurance is common. However, you may not be aware that you have legal protection insurance for a dispute or litigation following an accident or a neighborhood quarrel, during a social law conflict, or even a disagreement with a supplier. In some cases, the costs of consulting a lawyer are covered by your legal protection insurance.
What is it?
Legal protection insurance provides policyholders with legal assistance in the areas and situations covered by the subscribed policy.
The law guarantees the policyholder who calls upon their legal protection insurer the free choice of their lawyer.
How to know if you are covered?
When you consult them, your lawyer is required to ask you about the possibility of benefiting from the full or partial intervention of a "third-party payer," such as legal protection insurance.
If you are indeed covered, your attention will be drawn to the importance of filing a claim with your insurer. The lawyer will inform you about the respective roles of the insurer and the lawyer, and the fact that, even in the case of legal protection insurance intervention, you may have to bear the amount of fees not covered by the insurance in certain cases (exceeding the intervention limit, partial refusal of coverage, etc.).
Do not hesitate to ask your lawyer for further explanations, as well as your broker or insurance company.
What to do
If you have such insurance, it is essential to inform your lawyer directly and provide them with your insurer's contact details to benefit from their full or partial intervention in fees and costs.
There are many legal protection formulas covering all types of disputes. Inquire with your broker or insurer.
