Who is the legal coverage provider? Your legal expenses insurance is covered by our partner Lawshield UK Ltd. She can be reached on 0333 043 3790. But what if you`re involved in an accident that`s not your fault and you have to sue the other driver? Or, on the other hand, what happens if a driver decides to take legal action against you? Let`s look at a few examples where motor vehicle legal protection provides coverage beyond what you would get with standard auto insurance: What is the difference between statutory income protection and general income protection? The difference lies simply in the payment of each type of insurance. Legal protection can cover your legal fees and related costs if you have to go to court after an accident or collision, regardless of who is suing whom in court. Everyone is entitled to compensation for their uninsured damages, but it takes a lot of time, effort and money. An auto recourse policy can give you peace of mind that an experienced attorney can and will do this on your behalf in case you are involved in an accident that was not your fault. There is no guarantee that your insurer will take the matter on your behalf, even if the legal protection of the motor vehicle exists. There must be a fair chance of success so that they can sue the third. Unlike a “no winnings, no fees” service, our legal team will never reduce your compensation – with Motor Legal Protection, you will always receive 100% of your eligible payment. And unlike membership clubs that offer free auto legal protection on an ad hoc basis, your insurance policy with us means we are committed to providing the services we say.

We are authorised and regulated by the Financial Conduct Authority, so if you ever have a complaint, you have the right to report it to the Financial Ombudsman. Keep in mind that this policy covers you in all vehicles for which you are insured, so you do not have to purchase multiple policies. If any of your belongings are lost or damaged as a result of an accident or theft with your car, motor vehicle legal protection can help you claim the cost of stolen or damaged items (provided they are not otherwise covered). What is covered? If you are involved in a car accident for which you are not at fault, you can claim up to £100,000 from the other driver`s insurance for the loss or repair of items damaged during the incident. With your Legal Add-on, you can also claim the legal fees incurred. In the event of a dispute, your chances of success must be greater than 50%. MLP includes the motorised suit defence, so you will be compensated up to £10,000 for legal fees related to a traffic offence. If you add Auto Legal Protection to your policy, you can claim the other driver`s insurance for items or legal fees incurred during an incident through no fault of your own. You may already have legal protection under another insurance policy or if you have a premium bank account plan. While motor vehicle legal protection covers you when a judge decides costs should be covered, most cases never go that far. If you need paid treatment for injury or distress as a result of an accident, motor vehicle legal protection could mean you don`t have to pay out of pocket.

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. Sometimes auto legal protection is added to your default auto insurance. However, this is the exception rather than the rule – it`s usually an add-on that costs around £25-30. We offer a high-quality, cost-effective alternative to purchasing coverage with your auto insurer. You get the same safety on the road, all up to 60% cheaper than a typical car insurer. There is a lot of time, effort and money to spend going to court – so lawyers will try to solve a case without this extra step. The good news is that motor vehicle legal protection doesn`t just cover you for court-imposed fees. It also covers you when a case is settled through negotiations between lawyers. Do I need legal protection for motor vehicles? We recommend that you have some form of legal protection for motor vehicles, because if you have had an accident through no fault of your own, your own insurance company would not help you reimburse any expenses you incurred, such as your deductible. If you are involved in an accident that was not your fault with an uninsured or untraceable driver, this policy will recover your losses through the Bureau of Automobile Insurers. This group provides a compensation fund, funded by all motor insurers in the UK, for victims of uninsured driving.

Unfortunately, in such cases, the policy can only provide uninsured compensation – they cannot provide a guaranteed replacement vehicle if you are struck by an uninsured or untraceable driver. If you do, it`s worth checking the coverage terms, as you may not be able to use it for engine-specific legal fees. In addition, these inclusive policies are usually not as comprehensive as additional coverage. Our car legal protection offers up to £100,000 in legal fees to help you claim if no other insurance policy covers your losses, as long as there is more than a 50% chance your claim will be accepted. Legal protection does not cover the cost of hiring your own lawyer, as your insurer will provide you with one. However, it covers costs that may arise as a result of a court case. These costs typically include: This coverage provides protection for you, the drivers named in your insurance and all passengers. There may be other forms of legal protection insurance that may be suitable, such as liability insurance for entrepreneurs in the hospitality industry. You must notify us of your motor vehicle entitlement claim when you report your accident to our motor vehicle damage department. Your data will then be transmitted to our department specialized in automotive legal claims, which will launch your claim as quickly as possible.

Without legal protection when it comes to motor vehicles, you would have to do it yourself, perhaps even initiate your own legal proceedings if there was a dispute over the claim with the insurers of the other party. Even if you were to claim personal injury compensation without motor vehicle legal protection, a lawyer would help you without profit or costs, but their terms would usually mean that you would lose 25% of your compensation to the lawyers in fees. The Motor Vehicle Legal Claims Department will review the details of your accident and verify that you have a valid claim under Motor Vehicle Legal Protection. If you have a valid claim, we will confirm that your policy will cover legal fees charged by a lawyer as long as you follow the lawyer`s advice and that there is more than a 50% chance that your claim will be accepted. A lawyer will then be appointed to act on your behalf to obtain compensation for your losses from the responsible driver. We cover all legal costs of this claim in accordance with the insurance conditions. Strictly speaking, you don`t need legal protection – because it`s not a requirement of the law. We provide up to £100,000 in legal representation to cover the legal costs associated with recovering your uninsured losses as a result of an accident for which you are not at fault. If you are a member of a trade union, you may find that you already have legal protection insurance, although this can only apply to work-related disputes.

Please download and read the product information document and policy wording for a full description of all benefits and protections before purchasing. If you are involved in an accident that is not your fault and you cannot work as a result, legal protection could help you recover the lost income. It may seem obvious, but this coverage is designed to cover the costs of legal action due to a car accident. Usually, you can`t use it to cover any kind of legal fees, although some specific insurers may offer it. The other option is to hold one fund per rainy day for larger expenses like this. However, given that legal fees can run into the tens of thousands of pounds, you may need a substantial pot. If you are involved in an accident that is not your fault, you may have the right to sue the other driver. And you might end up getting the compensation you deserve – depending on the specifics of your case – but you`ll still have to pay the legal fees upfront.