Traffic accidents are always questions of facts about which there is a dispute more often than not. In such cases, legal proceedings are generally in the offing. In order to avoid the additional costs these proceedings would create (on top of any compensation), you are well-advised to take out legal expenses insurance.
Legal expenses insurance for your vehicle fleet enables you to identify and defend your rights in the event of a disagreement. A conflict between you and your insurance company as well.
When does legal expenses insurance apply?
Your legal expenses policy covers all the costs incurred by your legal counsel and the latter's fees, provided this involves proceedings instituted for a traffic accident.
The policy is particularly relevant when a liable third party refuses to provide compensation (or is insolvent), or when a dispute arises because of liability.
Choose an independent insurer
The conflict often occurs between your company and your own car insurance company. When the latter claims you are responsible for an accident and you do not agree, you are recommended to enlist the aid of a completely independent lawyer: someone not paid by your car insurance company.
