If you need paid treatment for injury or distress as a result of an accident, motor vehicle legal protection could mean you don`t have to pay out of pocket. If you are a member of a trade union, you may find that you already have legal protection insurance, although this can only apply to work-related disputes. There is a lot of time, effort and money to spend going to court – so lawyers will try to solve a case without this extra step. The good news is that motor vehicle legal protection doesn`t just cover you for court-imposed fees. It also covers you when a case is settled through negotiations between lawyers. There is no guarantee that your insurer will take the matter on your behalf, even if the legal protection of the motor vehicle exists. There must be a fair chance of success so that they can sue the third. Companies with no earnings and no fees can choose to take claims at will, which means you have no guarantee of support after an accident. However, with the legal protection of motor vehicles, the supplier is obliged to assist you with any claim that falls under the terms of your insurance, whatever it may be. The broker/insurer/price comparison site you bought your policy on sold you a car legal protection policy for probably £30.00, which will cost them around 50P – a 6000% mark-up! These are separate policies that apply in addition to your primary auto insurance. Auto repair policies are there when you have a collision that was not your fault and you have to claim the losses and costs of the other party. These are damages that are not covered by your own auto insurance and are called “uninsured damages”.

Such examples could be loss of income, excess, travel expenses, car rental costs or compensation for personal injury. Depending on how you look at it, motor vehicle legal protection might be the most useful of auto insurance additions – the ace in your back pocket. Expenses that are not normally covered by standard insurance are called uninsured losses. However, uninsured damage covered by motor vehicle legal protection may include: If you are involved in an accident that is not your fault and are unable to work as a result, legal protection can help you recover lost income. In short, motor vehicle legal protection covers your legal costs for any legal action you may take as a result of an accident. This can include the cost of your policy deductible, loss of income, damage to personal belongings, or even bodily injury to you or your passengers. As an insurance policy, this coverage offers a cost-effective way to minimize the costs and inconvenience that a car accident can cause. You can also call it Auto Legal Protection Insurance or Auto Legal Aid, but we like to call it Auto Legal Protection – find out why below. There is always a chance that the other person will be held responsible for the incident, which means you don`t have to bear these legal costs or fees.

However, if you`re wrong, these costs alone can amount to tens of thousands of pounds. While motor vehicle legal protection covers you when a judge decides costs should be covered, most cases never go that far. However, since motor vehicle legal protection is usually a very cost-effective addition to your policy, you can save a lot of money if you find yourself in a vehicle-related dispute. Legal protection of motor vehicles is not required. However, it is a useful optional supplement that you can have in your car insurance. Every driver is different, and so is their insurance policy, which is why we give you the choice. Many policies also give you access to a legal helpline that you can use at any time. Claims made under your auto recourse policy are only valid if the accident for which you are making a claim was not your fault. If it is determined that you are at fault for the accident, your claim may be invalid. You can add auto legal coverage to your auto insurance at the time of purchase or when you renew your policy.

Alternatively, you can get it as a standalone policy if you want. Is it worth adding auto legal protection to your auto insurance and what are the benefits? We explain everything here. Essentially, you`ve joined a free club. In addition, motor vehicle legal protection policies sold by insurers generally only cover you for claims arising from the use of the vehicle you have insured with them. So if you had 2 cars, not only could you have a motor vehicle legal protection policy to cover you for 2nd car claims as well, but you would have to buy 2 separate policies. Assuming you don`t have coverage elsewhere, it`s a good idea to take a closer look at legal protection so you can decide if it`s worth it for you. With our optional legal protection that can be added to your auto insurance, we can help you cover costs after an accident if you weren`t at fault so you can focus on getting back on your feet. Most legal protection insurance only works to repair your uninsured damage. We like to call our Auto Legal Protection coverage because we do more to keep you on the road – in the event of an accident that wasn`t your fault, we`ll give you a replacement vehicle comparable to yours until your car is back on the road, all at no extra cost. You must notify us of your motor vehicle entitlement claim when you report your accident to our motor vehicle damage department.

Your data will then be transmitted to our department specialized in automotive legal claims, which will launch your claim as quickly as possible. 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. If, as a member, you have a collision that was not your fault, provided you have a claim with a “reasonable prospect of success” (the same criteria that insurers have in their insurance formulations), we will have your claim reviewed and if you need a replacement rental car, our partners will arrange this and request the cost from the insurers of the other party, who is responsible for the collision. Similarly, if you need to recover losses or claim compensation, legal counsel is available under an agreement at no cost, but without deducting any fees or expenses from your successful claim. The Motor Vehicle Legal Claims Department will review the details of your accident and verify that you have a valid claim under Motor Vehicle Legal Protection. If you have a valid claim, we will confirm that your policy will cover legal fees charged by a lawyer as long as you follow the lawyer`s advice and that there is more than a 50% chance that your claim will be accepted. A lawyer will then be appointed to act on your behalf to obtain compensation for your losses from the responsible driver.

We cover all legal costs of this claim in accordance with the insurance conditions. You may already have legal protection under another insurance policy or if you have a premium bank account plan. With AXA`s legal cover, we help you recover your deductible and provide up to £100,000 in legal fees to our licensed lawyers. They help you recover your uninsured losses from the driver responsible for the accident in which you were involved. Let`s look at some examples where car legal protection offers coverage beyond what you would get with standard car insurance: The fact that the legal protection insurance market works the way it does has made it possible to develop this free service as a direct alternative. If they win your claim, the lawyers will receive their fees and expenses from the indebted party`s insurance company. If they don`t succeed in your case, they`ll have to suck their thumbs, just like insurance firms. You will not be liable for the costs of litigation that fails because the law provides that you are protected from payment of the opponent`s costs if you do not succeed in your claim. The only time you would be liable for your own costs or those of the opponent would be if you had violated the terms of the agreement without profit or fees with the lawyers.

Such examples would be if your claim was deemed fraudulent or fundamentally dishonest. In this situation, even if you had a legal protection policy for motor vehicles, they would not agree to compensate you (cover) for such expenses.