If you have been involved in a car accident, you should contact your insurance company as soon as possible to inform them of the accident. It is important to collect as much detail as possible in the event of an accident and note the other driver`s data, license plate number and insurance company. When you notify your insurance company of a claim, you will need your insurance policy number, the date of the accident and your vehicle`s license plate number. You can use your legal coverage to claim uninsured losses, including: A standard auto insurance policy is cost-effective if your car has been involved in an accident, stolen, vandalized, or caught on fire. However, it does not cover legal fees if the accident (or incident) triggers a lawsuit. The legal protection add-on covers legal fees and other costs in case someone sues you for an accident that was not your fault. There are several advantages and disadvantages regarding the legal protection of car insurance that you should be aware of and consider when reviewing policies before deciding to make a purchase. These include: In order to make a claim for your automobile legal protection, you should contact your insurer as soon as possible. You should be able to find the phone number in your insurance documents that you need to have with you when you call. This can be used to make a claim against the other driver or to give you legal protection if someone else makes a claim against you.
It may cover: Do you have a full policy? If so, you`re less likely to need legal coverage. If not, find out if it would be cheaper to upgrade to full coverage or add legal protection insurance. Car insurance is required by law in the UK because it provides you and other drivers with financial protection if you are involved in an accident. There are three main types of car insurance, but third-party cover is the legal minimum for UK roads. We explain the types of car insurance in more detail in our article “What are the different types of car insurance?” You may already have legal protection under another insurance policy or if you have a premium bank account plan. “No Profit/Fee” lawyers: They offer what`s called “after-event insurance,” which can be much more expensive than motor vehicle legal protection and receive a relatively large portion of the reward you receive for winning your case. Explain what happened so they can register your car insurance Legal protection is designed to pay you for your legal fees and uninsured losses if you are involved in a car accident that was not your fault. If you are unable to work after an accident that was not your fault and you lose £10,000 in income, you can claim it from your legal expenses insurance.
If coverage is included in your default policy, you may not be able to have it removed. Contact your insurer to find out where you stand. Think carefully before deciding to remove legal coverage. While this will reduce the cost of your insurance, it could potentially save you thousands if you have to use it. While auto insurance can provide strong financial protection, there are pros and cons of auto legal protection that you should consider before adding additional costs to your premiums. Once you`ve found an auto insurance policy that ticks all the boxes except auto legal protection, you can purchase a standalone policy, usually for about the same cost as the additional policy. Just make sure the provider is registered with the Financial Conduct Authority and look for reviews. The other option is to hold one fund per rainy day for larger expenses like this. However, given that legal fees can run into the tens of thousands of pounds, you may need a substantial pot.
In most cases, motor vehicle legal protection covers the legal costs associated with a claim, but there are cases where you may be denied coverage, especially if you drive under the influence of alcohol or drugs. You can also deny a claim if the amount you are claiming is less than the total cost of attorney`s fees. Examples of legal protection for motor vehicles include: Your lawsuit may fail if your legal defense is weak Always look at what is covered by the terms of legal protection insurance, as not all policies offer the same protection. However, you cannot claim legal protection if the accident is your fault. It may seem obvious, but this coverage is designed to cover the costs of legal action due to a car accident. Usually, you can`t use it to cover any kind of legal fees, although some specific insurers may offer it. Legal protection is often offered as an optional benefit that you can add to your auto insurance policy for an additional fee. Usually, the documentary about this coverage states that legal representatives only fight cases where they believe there is more than a 50% chance of winning.