The higher the deductible, the cheaper the premium. This is the case with many insurance providers, but not with everyone!
A waiting period of several months often begins when legal protection insurance is taken out. In this way, the insurers want to avoid that legal protection insurance is only taken out when a dispute becomes apparent. Because that is not the purpose of this insurance. Rather, it is intended to serve as a preventive measure in the event of an emergency.
Mediation, i.e. out-of-court dispute resolution, is becoming increasingly important. It is all the more important that your legal protection insurance also covers these costs.
This point enables you to claim legal protection even if the cause of the dispute occurred before the insurance was taken out.
The sum insured also plays a major role in legal protection insurance. Numerous insurance companies offer tariffs with unlimited coverage. Unfortunately, this often only comes at an additional cost.
It's worth thinking about this carefully. Because the agreed coverage amount applies per case and not in total.
Telephone advice is already included as standard in most tariffs. However, telephone advice generally applies to almost all areas of law. Not just the ones you have insured.
If the situation is complicated, you should still consult a law firm.
Some legal protection insurance policies require consultation with contract lawyers. If you would rather go to a lawyer you trust, you should pay attention to the “free choice of lawyer” item in your contract.
