This car insurance is available in all countries where your auto liability insurance is also applicable. The list of these countries is mentioned on your green card. The Car accident lawyer happens to be the best choice in this matter now.
Auto legal protection covers the costs and fees:
- For the management of your file.
- For carrying out the necessary investigation.
- A lawyer and bailiffs.
- (Extra) judicial procedures (and also those of the opposing party if you lose the procedure).
- Travel and stay in the event of a procedure abroad.
The amount to be recovered (for example your compensation) must be high enough for the insurance to intervene. As for the degree of intervention, a maximum is set for costs and fees.
When does legal protection insurance not intervene?
The following situations are not covered by auto legal protection:
- Fines, fees for a breath test or blood test.
- Prosecution for drunk without loss.
- If you have deliberately made false or incomplete statements about the incident.
- In practice, how does auto legal protection intervene?
- In the defense of your interests, the procedure takes place step by step.
Search for an amicable settlement
Auto legal protection aims, firstly, at an amicable settlement of litigation. If the two parties reach an agreement, this represents many advantages: it avoids an expensive procedure and you do not have to wait years to collect your compensation.
The legal protection insurer agrees to start a procedure
If the out-of-court settlement is unsuccessful or if you do not agree with the proposed arrangement, you can offer to take legal action. If your auto legal protection insurer also believes that a procedure is the right decision, you go to court, accompanied by the lawyer you have found. It is best to choose a lawyer who specializes in the subject matter. The attorney’s fees and expenses are paid by your auto legal protection (up to the insured amount), regardless of the outcome of the trial.
The legal protection insurer does not agree to start a procedure
If your car legal protection insurer does not agree to start a lawsuit but you still wish to bring the case before the judge, you can seek advice from a lawyer of your choice. There are then two possibilities:
This lawyer supports your proposal. You go to court. Legal aid insurance pays all the costs of the procedure, whatever the outcome of the trial.
The lawyer does not support your proposal and agrees with the legal aid insurer. You pay half of the attorney’s fees yourself.
Legal action without the agreement of the legal aid insurer
Even if the legal protection insurer and the lawyer consulted consider that legal action is not desirable, you can still start the procedure. If you win the lawsuit, the insurance will reimburse the costs and fees. If you lose the lawsuit, you will not receive any compensation from the legal protection insurer. You will also have to reimburse the opposing party’s legal costs.
Am I not already insured by insurance?
Auto legal protection insurance is a complement to your auto liability insurance. It therefore only intervenes in disputes relating to your car. You can also take out legal assistance insurance in addition to fire insurance, family liability insurance or accident insurance. It is often cheaper and simpler at the administrative level to link legal aid insurance to “main insurance” in this way than to conclude a separate contract.
