Does criminal law fall under the coverage of legal expense insurance?
Whether criminal law matters are covered by legal expense insurance depends on the situation. If you knowingly violated the law or intentionally committed a crime, you will not receive legal assistance from the insurer. In situations where you are at fault but the offense was not committed intentionally, it is often possible to receive legal assistance. For example, if you (unintentionally) caused damage or injury. This can vary by insurer, so always read the policy terms and conditions carefully.
Criminal Defense Legal Expense Insurance: Which Plan?
You can customize your legal expense insurance yourself using various modules. Each module provides coverage for different types of disputes. For example, you can choose from Consumer & Housing, Income, Traffic, and Tax Law & Assets. You may face various criminal cases. For traffic-related criminal cases, such as a traffic accident, you’ll need the Traffic module. For criminal cases involving taxes, you’ll need to purchase the Tax Law & Assets module. Therefore, carefully consider which modules you think you’ll need or in which areas you’d like to be well-covered for legal assistance. This way, you can tailor your legal assistance insurance entirely to your needs.
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Free Choice of Attorney in Criminal Cases
In criminal proceedings, you need a lawyer. Insurance companies always have their own lawyers on staff whom they will offer to you. However, you are not required to actually choose that lawyer. You are always free to choose your own lawyer. We call this the right to free choice of counsel. You do need to ask your insurer for permission first. However, this is merely a formality, as the legal expense insurer is not allowed to refuse your request. Every insurer has a maximum reimbursement limit for external costs. This can vary by insurer and is always specified in the policy terms and conditions.
Take out legal expense insurance with criminal defense coverage right away through Alpina!
When taking out legal expense insurance, you should be aware of a waiting period. With most insurers, you cannot use the legal expense insurance immediately; instead, there is a waiting period of 3 to 6 months. Ongoing disputes are also often excluded. Therefore, don’t wait too long to take out the policy, so that you’re properly covered in the event of a dispute or conflict. Do you have any questions? Please don’t hesitate to contact us! You can call us at 088 – 688 3700 or send us a message via chat, WhatsApp, or Messenger.
See also
- Is there also legal expense insurance without a waiting period?
- Is my family covered under my legal expense insurance?
- What is the best legal expense insurance?
- What is the cheapest legal expense insurance?
- Does it still make sense to purchase legal expense insurance while a dispute is ongoing?
- What does the deductible for legal expense insurance entail?
- Can I choose my own lawyer if I have legal expense insurance?
- What does family law cover under legal expense insurance?
- Legal expenses insurance
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