Fighting isn’t nice – yet sometimes it has to happen. A controversial car accident, trouble with the landlord, an unjustified termination… Especially if you are in the right (or at least believe it), the assistance of a lawyer is often worthwhile. If no agreement can be reached, a lawyer will represent your interests in court and defend your rights.
However, young people in particular are likely to shy away from professional legal help and advice. Reasons for this are the lawyer’s costs as well as the litigation costs. These costs can be quite high depending on the characteristics of the case and the amount in dispute.
Your legal protection from Getsafe consists of the modules traffic, private, and professional. You can also add the Home and Criminal Protection extensions.
Imagine you booked a great vacation at a travel agency. Unfortunately, it turns out on site that the hotel does not meet the expected standard. Also, you might get into a small car accident. Furthermore, you are sure that you are not the one to blame – but the other person involved in the accident disagrees.
Here is the issue: In court it does not count whether you are right – but whether you can enforce your right! Your lawyer can be the decisive role in getting justice. He or she is aware of the legal situation and knows comparable cases. Besides, he or she is the one who knows how to argue in court and when it is worth remaining quiet.
Private legal protection insurance shields you from a great deal of annoyance in everyday life. Stupid things can happen anytime, anywhere and to anyone. A dispute with your neighbour, an online shop won’t refund your money after you have properly returned your purchase, or you break something that doesn’t belong to you. Your private legal insurance lets you sleep peacefully. Another big advantage: your lawyer will keep any annoying paperwork away from you and will also ensure that no argument falls under the table. Sounds good, right?
Whenever two people have a dispute, it is often not too easy to find the person who is at fault. This is especially the case in road traffic. Traffic accidents happen within seconds and often the exact cause of the accident cannot be easily defined. Then, for example, an expert must be consulted or you might want to hire a lawyer to represent your interests. By the way, you should always do this with more expensive damages – no matter whether you have been damaged or are the one to blame.
Since very expensive property damage or even personal injury can quickly occur in road traffic, it has a high potential to really hurt your financial planning! Legal protection insurance with traffic protection covers you against high litigation costs and lets you relax in stressful traffic – isn’t that what we are all looking for?
Unpleasant situations might also occur at the workplace. It is not unusual for disputes between employers and employees to go to court. Legal protection insurance with professional legal protection ensures you to have a confident appearance towards your employer at your workplace – without fear of high legal costs. Obviously this also applies to internships and part-time jobs, where employers might violate your contract.
In Germany, disciplinary and professional conduct law are special types of professional law that apply to very specific job groups. Civil servants, soldiers (including people doing voluntary military service), judges and notaries are subject to disciplinary law. Professional conduct law applies to self-employed persons and freelancers such as architects, doctors, pharmacists, lawyers and tax advisors. The respective professional associations can take legal action against them before the Court of Honour. In the event of a lawsuit, legal protection insurance provides them with financial backing.
Your legal protection insurance covers you for:
Of course you have the right to choose your own lawyer. We can only recommend a suitable candidate, but the final decision is yours.
The waiting period is the time between the beginning of your contract and when your insurance coverage starts. The purpose of this waiting period is so that people don’t purchase insurance only when a concrete legal dispute becomes apparent. How long you have to wait depends on the type of legal dispute and your tariff. You can read the exact waiting periods in your insurance conditions.
Your children are always insured as long as they are in school or vocational training and are unmarried. However, you can also easily include your spouse or partner in the family tariff – either directly when you take out your legal protection insurance or later by contacting our customer service. This also applies to your parents who live in the same household as you, are at least 65 years old, and no longer employed.
The Home extension is useful for all tenants. For example, if your landlord raises the price of your apartment again even though the last rent increase was only a few months ago. Or maybe they refuse to pay the full deposit when you move out and simply claims that you have damaged the parquet floor. If you don't want to just accept that, you will receive legal support with the Home extension.
The Home extension also offers benefits for apartment or house owners. If a dispute arises with the neighbours or the property management, your legal protection insurance will cover you. The same applies if you are facing fines because you are alleged to have committed an administrative offence in the area of housing. You will soon become the proud owner of a used flat or house that you want to move into yourself – but perhaps there are disagreements between you and the seller? In case of legal consequences, you can count on the legal support of your legal protection insurance as a home buyer.
The basic tariff only covers cases of negligent offences. With the extension Criminal Protection you are also protected if you are accused of an intentional act. This includes insult (§ 185 StGB), theft (§ 242 StGB), embezzlement (§ 246) and fraud (§ 263 StGB). In such a case, you can expect to receive up to 1,000,000 euros in criminal law assistance – unless the court finds that you have actually committed a criminal offence intentionally.
Remember: Legal expense insurance is not a luxurious good, but a useful addition to your insurance package. The earlier you decide to get coverage, the better – it protects you and your wallet from unpleasant surprises.
Do you have any questions on legal expense insurance? Our Getsafe team will be happy to help you.
Do you have any questions? Contact us. The Getsafe team will be happy to advise you. Send an email to [email protected].