Do you need legal expenses insurance for your car?

How do I hold the other party liable?

You have been hit, but you yourself were not at all at fault in the collision. To receive compensation for your damages, you must hold the other party liable. With legal help, you can hold the other party liable for causing both personal injury and property damage. If the other party is found to be at fault, you will be able to recover the damages incurred.

How do I defend my innocence?

The moment you get into a collision with another driver, the other party may hold you liable for the accident. Imagine you get into a collision with another driver. Then the other party may hold you liable for the accident. But it could be that another driver is at fault. Then you can get legal help to defend your innocence.

Calculating damages how does it work?

An expert makes a calculation of the damages incurred. Of both the current damage and any additional damage such as loss of income. You will also receive expert advice on medical assistance.

Resolve conflicts with auto garage?

Do you have a conflict with the car garage about, for example, the purchase of a car? Or about maintenance on the car? Then you can also use your legal assistance insurance. The only condition is that the car garage must be a member of BOVAG.

How does this differ from the Traffic legal expenses insurance module?

You can purchase legal expenses insurance as a separate policy or as separate coverage with your car insurance. With general legal expenses insurance, you also have a choice between a number of different modules, including the traffic module. Here you get legal help and advice in traffic. Do you have damage due to an accident in a car, on a motorcycle, as a cyclist or as a pedestrian? Then you are assured of legal help and advice with the Traffic module. It depends on your wishes which is more advantageous. In any case, make sure that you are not overinsured.

In addition, legal assistance insurance for your car is also useful if you get into a conflict with your garage or car dealer when buying a car, for example. With the Traffic module of a general legal expenses insurance you are not insured for this type of conflict.

Compare legal expenses car insurance

When you start comparing legal expenses for your car insurance, you will find that the differences between insurers are quite large. You obviously want a premium that is as low as possible, but don't forget to look at the coverage as well. After all, you choose legal expenses for your car insurance for a reason. Therefore, you want to be properly insured in case of legal conflicts. At Alpina.nl , we make comparison as easy as possible for you. We show you in one overview which coverage at the lowest premium suits you best.

What should I look for when buying legal expenses insurance for my car?

Since the differences in terms and conditions can vary greatly from one insurer to another, it is advisable to pay attention to the following points:

• Check who all is insured. Just you or also your family?
• Is there coverage only in the Netherlands, Europe or worldwide?
• Is recovering damages from the other party covered?
• Will the costs be partially or fully covered?
• Are conflicts over ownership of the car covered?
• Are conflicts involving a rental car or replacement transportation covered?

Other supplemental auto insurance policies

In addition to auto legal assistance, there are a number of other supplemental insurance policies you can purchase. For example, there is accident-occupant insurance, which pays a fixed amount in the event of death or permanent disability of the driver and/or passengers. Property damage is not covered by this coverage, for which you need to take out damage-occupant insurance. Finally, there is additional roadside assistance insurance.