Is it possible to cover legal fees with legal expenses insurance?
November 7, 2023 | 65,00 EUR | answered by Ralf Schröter
Dear Attorney,
I am contacting you with a question regarding legal fees and legal expenses insurance. In my case, I am involved in a legal dispute where I require the assistance of an attorney. I am wondering if it is possible to cover the incurred legal fees through my legal expenses insurance.
To provide some background: I was recently involved in a traffic accident where the question of liability is disputed. Since I am not knowledgeable in legal matters, I have decided to consult with an attorney to represent my interests. However, the legal fees are significant and I am concerned about how to finance them.
The current situation is that I already require legal assistance and have consulted with an attorney. Now, I am faced with the question of whether I will need to cover the legal fees myself or if my legal expenses insurance will cover them. I am unsure if my insurance policy covers this case and what the exact process would be in this situation.
Therefore, my specific question to you is: Is it possible to cover the legal fees for my legal dispute through legal expenses insurance? If so, what steps do I need to take to apply for this and what are the chances of success? If my legal expenses insurance does not cover this case, what alternative financing options are available to me?
I thank you in advance for your support and look forward to your expert advice.
Sincerely,
Otto Schwaru
Dear Mr. Schwaru,
Thank you for your inquiry regarding lawyer fees and legal expenses insurance. In your case, involving a traffic accident with a disputed liability issue, it is understandable that you are concerned about financing the lawyer fees. I would be happy to explain how the coverage of lawyer fees through your legal expenses insurance could work.
Firstly, it is important to check if your legal expenses insurance covers the specific case of the traffic accident with a disputed liability issue. Typically, legal expenses insurance covers cases that are agreed upon in the contract, such as traffic law, employment law, tenancy law, and other areas. It is advisable to review your insurance policy or directly inquire with your insurance company to see if the current case is covered by your legal expenses insurance.
If your case falls under the insurance coverage, you can usually instruct your lawyer to settle the costs directly with the legal expenses insurance. Your lawyer will take the necessary steps to obtain confirmation of coverage from your insurance company and settle the incurred lawyer fees directly with them.
The chances of your legal expenses insurance covering the lawyer fees depend on the exact contract conditions. Certain requirements may need to be met or a deductible may need to be paid. It is therefore important to clarify this with your insurance company.
If your legal expenses insurance does not cover the current case, there is the alternative option of applying for legal aid if you are financially unable to bear the lawyer fees yourself. Your lawyer can advise you on the options and requirements in this regard.
I hope that this information has been helpful to you. For a more detailed consultation and clarification of the details, I recommend contacting your legal expenses insurance directly and possibly seeking legal support.
Best regards,
Ralf Schröter
