What are the requirements for cost coverage by legal expenses insurance?
January 19, 2024 | 70,00 EUR | answered by Ralf Hausdorf
Dear lawyer,
I am reaching out to you as I have some questions regarding the coverage of costs by my legal expenses insurance. My name is Franceska Ullmann and I am currently involved in a legal dispute where I require legal assistance. Unfortunately, I am unsure whether my legal expenses insurance will cover the costs for a lawyer in this case.
The situation is as follows: I was involved in a traffic accident for which I am not at fault. However, the other party denies their responsibility and claims that I was the cause of the accident. Due to this disagreement, it seems that I will need to take legal action to prove my innocence.
My concerns lie in not knowing the specific requirements my legal expenses insurance has for covering the costs of a lawyer. I would like to clarify in advance whether my legal expenses insurance will cover the costs for this legal dispute to avoid financial difficulties.
Therefore, my specific question to you is: What are the requirements that my legal expenses insurance must meet in order to cover the costs for my lawyer in this traffic accident case? Are there certain criteria that I must meet to ensure coverage of costs? What steps do I need to take to ensure that my legal expenses insurance covers the lawyer's fees?
I thank you in advance for your assistance and hope that you can help me with my questions.
Sincerely,
Franceska Ullmann
Dear Mrs. Ullmann,
Thank you for your inquiry regarding the coverage of costs by your legal expenses insurance in relation to the traffic accident you are involved in. As a lawyer specializing in fee law, I would be happy to help shed light on the matter and explain to you the requirements for cost coverage by your insurance.
First and foremost, it is important to know that the requirements for cost coverage by legal expenses insurance can vary depending on the insurance policy. Therefore, it is advisable to carefully review your insurance policy or directly contact your insurance company to clarify whether the specific case of the traffic accident is covered by your insurance.
Typically, legal expenses insurance covers the costs for a lawyer if the insurance case is specified in the contract. This usually includes disputes related to traffic accidents. It is important that the insurance case had not yet occurred at the time of contract conclusion, as insurance usually does not cover pre-existing disputes.
Furthermore, it is important that you report the insurance case to your insurance company in a timely manner. Usually, the insurance case must be reported within a certain period specified in the contract for the insurance to cover the costs. Otherwise, the insurance may not cover the costs.
To ensure that your legal expenses insurance covers the lawyer's fees for the traffic accident, I recommend contacting your insurance company directly and explaining the specific case. There, you can receive more detailed information on the requirements for cost coverage and potentially get assistance in processing the case.
I hope that this information has been helpful to you. If you have any further questions or need assistance, please do not hesitate to contact me.
Kind regards,
Ralf Hausdorf
