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Legal Protection Insurance

Legal expenses insurance for a private individual in Switzerland

Comprehensive protection against high costs of any potential legal proceedings

It is difficult to avoid conflicts in life. As a neighbour, tenant, employee, consumer or road user, almost everyone experiences a difference of opinion. If that leads to a legal dispute, high fees might be imposed. Although final costs usually depend on which of the sides is at fault, you still have to pay a solicitor or other legal aid before you’re able to prove your innocence.


With legal expenses insurance, winning the case does not depend on whether or not you can afford the proceedings. Plus, such coverage prevents you from falling into financial trouble. Generally, legal expenses insurance in Switzerland can apply to private life or road traffic. You can take out only one of the two or a combination of both.

 

Private legal expenses insurance

Private legal expenses insurance covers most disputes that may happen in personal life. If your employer doesn’t want to pay for your overtime, a landlord refuses to repair or replace a damaged furnace, a hotel doesn’t provide you with the room despite it’s been booked and paid for in advance, or if you’re a victim of a non-traffic accident – in all these and many other similar cases a private legal expenses insurance comes into play. As you can see, such protection is efficient in various areas of personal life. Below, we present a few examples.

 

Patient’s rights

If you accuse a hospital or a medical centre of mistreatment, you can take legal action against the facility. Your chances as a private individual aren’t too high, but if you have solid support in the form of legal expenses insurance, you’re in a much better situation.


Private and social insurance and insurance law

Medical expenses should be reimbursed by the health fund. But what if they refuse to pay? Coverage also applies when other insurance companies are involved in a legal dispute and refuse to pay a benefit even though entitlement to it has been indisputably confirmed.


Aid for the victims and compensation

If you have an accident, the legal expenses insurance will provide you with immediate aid and compensation. You will be given advice and properly represented. If you want to make a compensation claim, we will provide you with the necessary assistance, no matter the cause of the damage.


Traffic legal expenses insurance

Car insurance alone isn’t always enough to provide full coverage against all traffic incidents. If you have a car accident in which your vehicle gets damaged by another road user, their third-party liability insurance will cover the repair costs. Unfortunately, it doesn’t mean that all the problems are gone. What if the repair isn’t done correctly and your car’s state differs significantly from before the accident? To have better odds in legal proceedings against the workshop’s owner, the insurance company ensures advice and essential support.

 

When the fault is an open issue

The above example is not the only circumstance when car insurance is insufficient. Whenever a question of guilt remains open, traffic legal expenses insurance is the right choice. You might need to pay a few thousands of francs before you finally prove your innocence, and that type of insurance covers these expenses. If, despite insufficient evidence, you stand accused and lose your driving licence, that’s a traffic offence, and you have the right to defend against such accusation.


You don’t receive the insurance money for car damage

Your car was damaged by another driver, the fault clearly lies with the other party, but the auto repair shop from the perpetrator’s liability insurance policy refuses to pay the invoice. With traffic legal expenses insurance, you get the help and advice you need to resolve your case.


Traffic legal expenses insurance also helps with a traffic insurance claim. The inability to enforce rightful compensation from comprehensive motor insurance is a typical case covered by traffic legal expenses insurance.


Not only for drivers

Motor vehicle drivers aren’t the only road users. As a cyclist or a pedestrian, you, too, take part in road traffic, so you’re subject to traffic legal expenses insurance. If you’re a pedestrian harmed in a traffic accident, there are usually plenty of questions that often can be settled only in court. The issue of the amount of pension you are entitled to and your inability to work are good examples. The solicitor’s fee and court costs are covered by the insurance.


Low premiums and comprehensive traffic coverage

A yearly premium for traffic legal expenses insurance is usually much lower than an average solicitor’s fee. Therefore, taking out such insurance is always the best choice, whether you own a driving license or not. Ultimately, the insurance also protects cyclists, pedestrians and public transport users.


Stand down period

In most cases, both private and traffic legal expenses insurance come with a stand down period. This prevents policyholders from taking out insurance during a legal event. The waiting period varies from one to three months. Only after that time, the accident can be reported.

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