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.
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.
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.
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.
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.
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.
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.
What else can we help you with?
Consult your advisor
NEED HELP?
Consult your advisor