Justice to whom it is due
Legal protection insurance. Protect your rights in your private life, while out and about, as a tenant or as an internet user.
What can be insured?
Basically, personal and motor legal protection can be taken out as insurance. However, when it comes to the benefits there are variations between the different insurance providers.
Disputes of public law (private individuals vs. the state) are principally excluded. However, disputes with public insurance providers (e.g. IV – Invalidity Insurance) are covered.
Also excluded are disputes concerning fiscal, alien, criminal and building law.
For self-employed persons, disputes from their business sector are not covered.
Who is insured by Personal Liability?
The insurance does not only cover the policy holder. Belongings of the spouse and the children living in the same household are also included, provided that it is a family instead of an individual policy.
How to proceed in the case of damage?
The damage or dispute has to be reported to the insurance provider immediately. If you wait too long, you risk that the insurance company cuts your benefits by the amount which increased the costs of the case due to the late notification. However, the insurance company cannot completely refuse coverage of the claim due to this reason.
Before you call in a lawyer or take further legal steps you should definitely inform the insurance company. With the consent of the insurance company you can be sure that the benefits are also refunded.
From when does insurance protection apply?
Generally only legal cases are covered of which the causing event occurs during the contract duration and that is reported. Also, in some areas, a three-month waiting period applies from the date of conclusion, as some disputes are predictable – especially concerning contracts such as e.g. in the case of termination of a flat.