It`s too easy to think, “No, I`ll never need that,” and uncheck the box. But before you decide, here`s a quick overview of what the add-on offers. 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. 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. Motor vehicle legal protection usually covers you up to £100,000 in costs – and some insurers offer much more. If you need your legal protection, all you usually have to do is call your insurer and talk to them about how to access the protection you have. Let`s look at a few examples where motor vehicle legal protection offers coverage beyond what you would get with standard car insurance: Our car legal protection offers up to £100,000 in legal fees to help you claim when no other insurance policy will cover your losses, as long as there is more than a 50% chance that your claim will be accepted. 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. This coverage provides protection for you, the drivers named in your insurance and for all passengers. So, while you don`t need legal protection to drive in the UK, and it can be very helpful in some cases, it`s up to you whether you want to add the extra cost to your premium.

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. 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. While some insurance policies can help you sue another driver in court, what if the other driver believes the incident is your fault and you disagree? You may need to go to court and need insurance that covers these fees and costs. 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. In short, motor vehicle legal protection covers your legal costs for any legal action you may take as a result of an accident. How do I add the legal add-on to my policy? When you receive an offer with Marshmallow, a screen asks if you want to add legal protection to your policy. Simply click the green Add Engine Legal Protection button. If you already have a policy with us, we cannot add auto legal protection for you. 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.

But having to fight for corners in court can quickly become a costly task. Some motor vehicle legal protection policies can cover up to £100,000 in costs, so this is a good indication of what those costs may be. To make a complaint with your legal protection provider, please call Lawshield directly on 0333 043 3790. As with most insurance products, there are some things for which automobile legal protection does not cover you. This can include the cost of your policy deductible, loss of income, damage to personal belongings, or even bodily injury to you or your passengers. As an insurance policy, this coverage offers a cost-effective way to minimize the costs and inconvenience that a car accident can cause. You can also call it Auto Legal Protection Insurance or Auto Legal Aid, but we like to call it Auto Legal Protection – find out why below. 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? If you or your passenger are injured in an accident, motor vehicle legal protection can help you get compensation for possible injuries.