Skip to content


Motor Insurance Legal Protection Is It Worth It

If you ever find yourself able to go to court, you should know that the cost of litigation can be enormous. For this reason, the average coverage offered by providers can be as high as £100,000. When purchasing car insurance, always check if legal protection is included or if you have to pay additional fees. To give you an idea of the cost, here`s a quick comparison chart detailing what you can expect per provider per year for legal protection: Although some insurance providers buy car insurance with their policies, sometimes they don`t, and if not, you`ll have to pay the extra fees. To make sure you`re spending your money in the right place, here`s an analysis of the engine`s legal protection: Will you probably need it? Consider whether the security of being insured is worth the additional cost of coverage you get for your auto insurance depends on the policy you choose, and you can also customize your policy to include additional insurance extras such as legal protection, key protection, and breakdown protection. Upgrading your car insurance with extra extras can impact insurance costs, and we`ll explain how much you can expect for your policy in our article «How much does car insurance cost?» If you`re not sure if legal protection is worth it, below we list some of the pros and cons of legal protection for motor vehicles. This is typically used to offset costs that a standard insurance policy may not pay. These losses are also referred to as uninsured losses. The truth is, you may already have legal protection in an insurance policy you already have, whether it`s home insurance, existing auto insurance, or something similar. Legal protection does not pay you any compensation, but reimburses the legal costs you incur if you sue a third party for damages.

If your policy offers you legal protection for motor vehicles, either as standard or as a supplement, you may be offered legal assistance if the accident is not your fault. Typically, the insurer will provide you with a representative who acts on your behalf and helps you compensate for uninsured losses, including loss of income, excess of your policy, and injuries you sustained in the accident. If you decide to purchase legal protection with your car insurance, you should consider whether you are already covered by another policy, such as your home insurance, through a bank account, or if you are a union member, as you may already have access to legal advice. Also, if you have comprehensive auto insurance, check to see if auto legal protection is already included in your standard coverage. The terms motor vehicle legal protection and liability protection are often combined and sometimes considered the same thing by many drivers, but this is usually not the case. In most cases, motor vehicle legal protection covers the legal costs associated with a claim, but there are cases where you may be denied coverage, especially if you drive under the influence of alcohol or drugs. You can also deny a claim if the amount you are claiming is less than the total cost of attorney`s fees. Examples of what motor vehicle legal protection covers: Let`s look at a few examples where automobile legal protection offers coverage beyond what you would get with standard car insurance: Auto legal protection basically covers things that your general auto insurance doesn`t.

In the event of an accident that is not your fault, your own insurance will not help you recover: perhaps the only downside to legal protection insurance is the fact that it is never guaranteed that your claim on your expenses will be accepted, which can leave you practically without coverage at first. Whatever car you drive, make sure you find insurance that covers everything you need as cheaply as possible by comparing policies. However, since motor vehicle legal protection is usually a very cost-effective addition to your policy, you can save a lot of money if you find yourself in a vehicle-related dispute. Adding legal cover usually costs between £20 and £30, but if you have a full policy, it`s worth checking if you already have standard cover. Your insurer may also deny your claim if too much time has passed since the incident or if the amount you are contesting is not worth going to court. Many insurers offer legal protection of up to £100,000, but it`s worth looking for cover of at least £50,000 to make sure you don`t get out of pocket as legal fees can go up.