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. Legal Care Plus is about 50% cheaper than most other motor protection insurances. We can also help you get back on the road quickly after an accident that was not your fault by providing a replacement vehicle and quality repairs. If you use our service to repair your vehicle, you don`t have to claim your car insurance, so you can avoid paying your deductible. We will also arrange a rental vehicle similar to yours and claim the rental and repair costs from the other party`s insurance company.*** This coverage provides protection for you, the drivers named in your insurance and for all passengers. If you are dealing with a repair shop or have concerns about poor maintenance or repair after buying or selling the vehicle, the RAC policy provides the help you need and covers legal costs if you need a lawyer. The panel lawyer is regulated by the Law Society, which, in addition to the high service standards you expect from Direct Line, ensures that you receive professional legal service. * Our Legal Care Plus coverage is almost 50% cheaper than most legal protection insurance policies that are usually purchased in addition to a car insurance policy. Source: Comparison of automobile insurance premiums with supplementary legal expenses insurance concluded with on July 26, 2022. Each policy covers specific claims to varying degrees.

Restrictions may apply. Once you have started the claims process, you will need to provide them with information about your case and what is going on. Without automatic legal protection, you would have to pursue each of these things yourself, eventually losing 25% of the compensation in legal fees and taking up your time and effort. If you are involved in an accident that is not your fault and therefore cannot function, legal protection could help you recover the lost income. Our car legal protection offers up to £100,000 in legal fees to help you make claims where no other insurance policy will cover your losses, as long as there is more than a 50% chance that your claim will be accepted. If you purchase auto insurance, you may be asked if you want to add optional legal protection for motor vehicles. Legal protection doesn`t really cover the cost of hiring your own lawyer, as your insurer will provide you with one. However, it covers costs that may arise from legal proceedings. These costs typically include: Let`s start with the basics.

Although many drivers consider legal protection insurance as a small tick on their insurance quote form, it is much more than that. Motor Vehicle Legal Protection Insurance is designed to ensure that policyholders do not lose money if they are involved in a motor vehicle accident that is not their fault. It covers legal fees related to the prosecution of claims for loss of earnings, excess insurance and the costs of filing a claim for bodily injury and more. Your car insurance won`t help you get them back. So without this coverage, you either have to pay a lawyer to try to get it back for you, or you could lose entirely. As mentioned earlier, depending on the insurance you already have, you may already have legal expenses insurance, check what type of insurance you have and if it is already offered. Legal protection provides financial protection against legal fees and losses following an accident for which you are not responsible. It is used to recover uninsured losses that are not covered by your standard car insurance. For example, if someone sues you or if you have to go to court to recover money from an uninsured driver. The last option you have is to deposit money into your savings account.

That way, if you ever need money to pay for legal fees, you can always pay them out of that fund without having to pay for legal fee coverage! Motor vehicle legal protection usually covers you up to £100,000 in costs – and some insurers offer much more. If you need your legal coverage, usually just call your insurer and talk to them about how to access the coverage you have. Your insurer may also deny your claim if too much time has passed since the incident or if the amount you are refusing is not worth going to court. This coverage provides protection for you, the drivers named in your insurance and for all passengers. In both cases, you will have to pay the associated legal fees, but this can be extremely expensive depending on your individual situation. With legally insured car insurance, your insurance covers your costs. RAC Motor Legal Protection Insurance may cover legal costs if you are sued for a traffic violation as part of our legal defense. Our car legal protection offers up to £100,000 in legal fees to help you claim if no other insurance policy covers your losses, as long as there is more than a 50% chance your claim will be accepted. The average cost of purchasing legal protection insurance with your car insurance is around £30. But RAC`s Legal Care Plus policy is only £15. Legal Care Plus does all this for you, covering up to five policyholders of a policy. You may already have legal protection under another insurance policy or if you have a premium bank account plan.

When you ask what the legal coverage of car insurance is, the offer usually depends on what your specific insurance provider offers, so you should always check what is included in your preferred policy. The Office of National Statistics has stated that around 25 million households in the UK already have this insurance, but there is no way of knowing whether each of them knows that they have it in addition to an existing policy or even that it will be given to them as a benefit for employees. The easiest way to find out how to make a legal claim is to visit our review page, where you`ll find everything you need to know to start your claims process and manage your claims process. In short, motor vehicle legal protection covers your legal costs for any legal action you may bring as a result of an accident. Your insurer will then appoint a lawyer to act on your behalf, or you can appoint your own representative. You will also contact the other party`s insurer to let them know that you want to cover expenses that are not covered by your insurance. Many policies also give you access to a legal helpline that you can use at any time. When comparing auto insurance quotes, you`ll almost certainly come across a section asking if you want to add legal auto coverage.

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. If you do, it`s worth checking out the coverage terms, as you may not be able to use them for engine-specific legal fees. In addition, these inclusive policies are usually not as comprehensive as additional coverage. You must notify us of your motor vehicle entitlement claim when you report your accident to our motor vehicle damage department.