Disputes protection can be very useful. But the insurers pay for the risk well – and exclusion clauses can become a boomerang.
OfSascha Straub
Being right and being right are not the same thing. Who doesn’t know this saying? Unfortunately, he is also correct because disputed facts come up against laws that can be interpreted in court. The result is usually uncertain. Many law seekers do not get that far because they do not have the money or cannot advance them to bring their case to the Kadi. Legal protection insurance can provide a remedy here. This assumes the costs of legal disputes up to an agreed amount and thus often makes litigation financially possible.
Frequent use cases for such an insurance are disputes with the employer, traffic disputes, disputes about insurance benefits, such as disability insurance and tenancy law. Anyone who sees a personal potential for conflict in these areas should consider a degree.
Avoid taking out insurance at the last minute
It is important that no dispute has arisen when the contract is concluded or that no future legal dispute is foreseeable. Because the insurer does not take part in a last-minute contract, if the employer’s termination is already on the horizon. Otherwise, the benefits of this really useful insurance could be significantly better. A high-performance legal protection for the areas of private life, work and traffic can hardly be obtained for less than 230 euros a year plus a deductible. Even then, you have to cut back on the exclusions.
The insurance usually does not pay where it can be really expensive. In other words, in the event of a dispute about real estate financing or capital investments, in the event of divorce or in disputes relating to inheritance law. If you are more likely to see your needs here, you should strive for a very tailor-made insurance solution. It also applies to legal protection insurance: one contract is not the same as one! Good insurance covers all legal and court costs up to a minimum of 300,000 euros. An initial telephone consultation by a contract lawyer is increasingly being offered. This is a sensible additional service, but should not be mandatory, because the free choice of lawyer is a quality criterion.
The subject of pre-contractual arrangements is also important. Often, benefits from an occupational disability insurance are rejected because the health questions have not been answered truthfully. If there is a legal dispute, only the legal protection insurer with the clause “pre-contractual” must cover the costs because the cause of the legal dispute lies before the legal protection insurance is taken out.
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