Insurance for legal assistance / legal protection…
Both, the German language and indeed the German legal system
are probably radically different from the traditions and experience
of most new residents. Misunderstandings or disagreements with
employers, landlords, local merchants, and tax authorities, not to
mention parties involved in a car or perhaps another accident,
happen often enough.
In Germany your car insurance companies do not pay the costs for
your legal disputes or law suits in case of an accident or for example
a traffic ticket you´d like to fight.
Legal assistance insurance (Rechtsschutzversicherung) could save
you significant amounts of money and a lot of personal discomfort.
This insurance can help protect your rights and allow you to litigate
without having to spend your own money in advance without knowing
whether you will win your case and having your legal expenses
reimbursed at some later date.
Most people simply cannot afford to take the risk of going to court,
especially when they don't understand the language.
The attorneys' and court fees in Germany are based on the amount
in dispute. For instance, should you have a dispute with your
landlord and need to go to court based on a disputed amount of
8.000 Euros, the court and attorney's fees that will have to be paid
in advance can be as high as 2.000 €. If you have legal assistance
insurance and your claim is held to be valid by your insurance
company, the insurer would take care of any necessary payments.
This insurance will protect the interests of the policyholder in
legal cases and covers costs for legal representation, expert reports,
court costs, compensation to the opposing party and loans for bail.
Costs and expenses of a legal action resulting from:
- All aspects relating to your house, whether you rent, own or rent out.
- German Employment law (3 month waiting period)
- Unwarranted driver's license loss, traffic accidents and violations
- Disagreement with the German tax authorities (in court cases)
- Advice on inheritance issues (though not for disputes between beneficiaries)
- Claims for compensation for damages (personal injury or property)
- Contract disputes
It should be noted that the legal consultation concerning inheritance and
family law is limited and that divorce is not included.
There are specialized policies available for self-employed people or those
in senior management positions.
We can build an insurance coverage specially designed for your needs!