You may find yourself offered legal cover on your car insurance, but it might not be made clear to you what exactly legal cover is, what it applies to and whether or not you really need it.
Legal cover can be very useful, especially if you sustain an injury in an accident that was not your fault.
What is Legal Cover on Car Insurance?
Legal expenses cover is designed to recover legal fees and other related expenses incurred as the result of an accident that was another driver’s fault.
You can claim against your legal cover for non-fault costs such as:
- Any excess you have to pay on car repairs as a result of the accident
- Any necessary car hire fees or taxi fares you might need in order to get around whilst your car is off the road
- Legal fees incurred in the pursuit of a personal injury claim
- The cost of making extra phone calls to your insurer as a result of the accident
- Compensation for the loss of car use can be claimed if you don’t hire a car or use a taxi service
Legal fees can be extremely expensive and you may find your legal expenses cover invaluable if you do decide to make a claim for personal injury compensation from the other driver.
What Should it Cost me to take out Legal Cover?
Usually, legal expenses cover will cost you between £20-£40 for the year. However, some insurers offer it for free. You might find it’s already included in your current policy.
If you’re not sure, contact your insurer or refer back to your policy for more information.
How do I Claim?
If you need to make a claim, contact your insurer straight away. You may have been given a specific number or helpline to call when you took out legal cover.
A case handler will be allocated to manage every aspect of your claim relating to your legal cover. For example, your case handler will contact the insurance company representing the other driver to inform them that you wish to recover additional costs.
They can also arrange for you to have your injuries assessed by a medical expert if you wish to pursue a personal injury claim.
Things to Consider
Of course, it’s not possible to know for certain whether you’re going to need legal expenses cover as there’s no way to predict whether you might be involved in an accident, especially one caused by another road user.
Nevertheless, even if you’ve never been involved in an accident before or made a claim against your insurance, you may wish to consider opting for legal cover simply for peace of mind.
If you do decide to go ahead, you should bear in mind that your insurer will only submit your claim if they believe there’s a good chance you’ll win. Unless the other driver was clearly and undisputedly at fault, you may not be able to take advantage of your legal cover.
You should also remember to check the limit on your legal cover with your insurer before you go ahead and add it to your policy. You can then weigh up how likely you believe you are to need it against how much extra it will cost you per year.
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