I don’t know how that works in this particular case. But the basic statement in the guide is already wrong. According to the model conditions that form the basis of almost all insurance contracts, all crimes that are committed intentionally are generally excluded from insurance coverage. In the case of such crimes, the outcome of the proceedings does not matter for insurance coverage. Even if the proceedings end without a guilty verdict, the legal protection insurance does not cover any costs.
Practically important example: hit and run is a crime that can only be committed intentionally. The vast majority of cases are viewed by public prosecutors and courts as trivial and are dismissed. In these cases, however, the accused must bear his own costs, in particular his legal fees. The criminal justice system will not take over this either. The same applies e.g. B. for insult, slander, fraud or theft. Here, too, the legal protection insurance pays nothing even if the proceedings end without a guilty verdict.
At the same time, the advisory statement “If you are acquitted, you will definitely receive the costs back from the insurance company” pretty stupid. If an acquittal is made, the state treasury pays the defendant’s costs and in some cases it even covers more than would be covered by legal protection insurance. You don’t need legal protection insurance for this. What’s exciting are the cases in which the accused has to bear his own costs and That’s typically everything that doesn’t end in an acquittal.
2023-10-13 14:15:09
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