Do you need legal expense insurance for your car?

What is auto legal protection insurance?

Auto legal assistance insurance is a supplemental insurance policy. This supplemental insurance is not required, but it can be very useful.  For example, you might find yourself in a dispute over who is at fault in an accident. With auto legal assistance insurance, you’ll receive help in recovering damages —such as repair costs for your car —for which someone else is responsible. In addition, auto legal assistance insurance also covers other legal disputes that arise in traffic.

How do I hold the other party liable?

You were hit by a car, but you are in no way at fault for the accident. To be compensated for your damages, you must hold the other party liable. With legal assistance, 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 can recover the damages you incurred.

How do I prove my innocence?

If you’re involved in a collision with another driver, the other party may hold you liable for the accident. Imagine you’re involved in a collision with another driver. In that case, the other party may hold you liable for the accident. But it’s possible that the other driver is at fault. If so, you can seek legal assistance to defend your innocence.

How does calculating damages work?

An expert will calculate the damages incurred, including both current damages and any additional damages, as well as loss of income. You will also receive expert advice regarding medical care.

How to Resolve Conflicts with a Car Repair Shop?

Are you involved in a dispute with a car dealership—for example, regarding the purchase of a car? Or regarding maintenance work performed on the car? If so, you can also file a claim with your legal expense insurance. However, the car dealership must be a member of BOVAG.

What is the difference between this and the Traffic module of legal expense insurance?

You can purchase legal expense insurance as a standalone policy or as a separate coverage option under your auto insurance policy. With comprehensive legal assistance insurance, you can also choose from a number of different modules, including the Traffic module. This provides you with legal assistance and advice related to traffic incidents. Have you suffered damage due to an accident while driving a car, riding a motorcycle, cycling, or walking? Then the Traffic module ensures you receive legal assistance and advice. Which option is more cost-effective depends on your specific needs. In any case, make sure you are not overinsured.

In addition, legal expense insurance for your car is also useful if you find yourself in a dispute with your repair shop or car dealer—for example, when purchasing a car. The “Traffic” coverage under a general legal expense insurance policy does not cover this type of dispute.

Compare Auto Legal Protection Insurance

When you start comparing legal assistance coverage for your auto insurance, you’ll notice that the differences between insurers are quite significant. Of course, you want the lowest possible premium, but don’t forget to consider the coverage as well. After all, there’s a reason you’re choosing legal assistance for your auto insurance. You want to be properly insured in the event of legal disputes. At Alpina.nl, we make comparing options as easy as possible for you. We provide an overview showing you which coverage at the lowest premium best suits your needs.

What should I look out for when purchasing legal protection insurance for my car?

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

• Check who is covered by the insurance. Is it just you, or does it include your family as well?
• Is coverage limited to the Netherlands, Europe, or worldwide?
• Is recovery of damages from the other party covered?
• Are the costs covered in part or in full?
• Are disputes over car ownership covered?
• Are disputes 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 passenger accident insurance, which pays a fixed amount in the event of the death or permanent disability of the driver and/or passengers. Property damage is not covered under this policy; for that, you’ll need to purchase passenger property damage insurance. Finally, there is also supplemental roadside assistance insurance.