What exactly is covered in the event of a divorce?

The mediator provides clear information and guides and supports you in reaching agreements. In doing so, he or she analyzes your wishes and helps you bring the divorce to a successful conclusion without frustration. If you get stuck, the mediator will suggest alternatives. The specific issues you need to agree on depend on your situation.

The maximum amount you can spend under your legal expense insurance is specified in the policy terms and conditions. If your expenses exceed the amount for which you are insured, you will be responsible for those costs.

Legal Expense Insurance for Divorce

Most legal expense insurance policies have a long waiting period because divorce is quite common. It’s therefore important to keep in mind that you won’t be able to use the coverage for a divorce until after a year or two. So don’t wait too long to purchase legal expense insurance. It’s common for people to think about getting legal expense insurance only when it’s too late.

Before you purchase legal expense insurance, it’s important to first compare different legal expense insurance policies and see which modules and coverage options are available in the event of a divorce. At the bottom of this page, you can easily calculate your premium and, if you wish, purchase the insurance right away.

In addition to the “consumer and housing” module, basic legal expense insurance can also be expanded to include other modules, namely:

• Traffic
• Income
• Tax and Wealth Management

For more information about the coverage provided by these modules, please visit the“Legal Expenses Insurance Coverage”page.

Waiting Period

Unfortunately, there’s no point in taking out legal expense insurance if you’re already in the midst of a divorce. That’s because legal expense insurance almost always has awaiting period—especially for divorce cases, since they occur relatively often. The waiting period ranges from 1 to 3 years, depending on the insurer. Often, people don’t think about taking out legal expense insurance until it’s too late. When you get married, you naturally don’t expect to ever get divorced. However, you can take out legal expense insurance to cover all kinds of conflicts. This way, you’re covered for various disputes, depending on the coverage options you select.

Get the Most Out of Your Legal Expense Insurance for Divorce

How can you make the most of your legal expense insurance for divorce? Here are a few tips.

Take advantage of it right away

Do you think you might need your legal expense insurance for a divorce? If so, use it right away. Don’t incur unnecessary costs on your own first, especially if you have legal expense insurance. This is because if you file a claim for legal expenses after the fact, your insurer may no longer reimburse you. This is because insurers typically use their own legal service providers.

Be sure to take advantage of the additional features as well

Is mediation an option? If so, be sure to take advantage of it. It’s usually less time-consuming, and if you resolve your dispute through mediation, the parties are often happier with the outcome. That’s because they’ve reached a solution to the dispute together.

Divorce Involving a Home Owned by the Couple

During the divorce process, agreements are made regarding the division of your assets, such as a home you own. Although divorce is generally not covered by legal expense insurance, a mediator may be able to help you with this. What happens to the home, of course, also depends on the situation. Are you going to sell the home, or does one of you want to continue living there? Is there equity in the home, or is there perhaps a remaining debt? A mediator can help you reach clear agreements about what will happen to the home. You can also seek advice from your mortgage lender on this matter.

Divorce with Children

A divorce is always a sad and difficult experience, especially when children are involved. As a parent, you naturally want to ensure that everything is properly arranged for your children during the divorce. That is why the agreements regarding these matters are set out in a parenting plan. These include, for example, agreements on visitation arrangements, child support, parenting, and financial matters. A mediator can help you draft a parenting plan.

Get your legal expense insurance for divorce through Alpina: simple and affordable

Are you considering purchasing divorce legal expense insurance? Then take out a policy with Alpina today! Thanks to our wide range of coverage options, you’re sure to find the right policy for you. Do you still have any doubts or questions about our divorce legal expense insurance? Feel freeto contactour customer service team. They’re here to answer all your questions.