Does criminal law fall under the coverage of a legal assistance insurance?
Whether criminal law is covered by a legal assistance insurance depends on the situation. If you have knowingly broken the law or intentionally committed a crime, you will not receive legal assistance from the insurer. If it concerns a situation where you are guilty, but the offence was not deliberate, it is often possible to get legal assistance. For example, if you have (unintentionally) caused damage or injury. This can differ per insurer, so always read the policy conditions carefully.
Criminal law legal expenses insurance: which module?
You can compile your legal expenses insurance yourself using different modules. Each module insures you against different conflicts. You can choose from Consumer & Living, Income, Traffic and Tax Law & Assets. You may have to deal with various criminal cases. For criminal cases in traffic, such as a traffic accident, you need the module traffic. For criminal cases that involve tax, you will need to take out the Fiscal Law & Wealth module. Therefore, take a good look at which modules you think you need or in which areas you would like to be properly insured for legal assistance. In this way you can compose your legal expenses insurance exactly to your needs.
Free choice of lawyer in criminal law
In criminal proceedings you will need a lawyer. Insurers always have their own lawyers which they will offer to you. However, you are not obliged to actually choose this lawyer. You may always choose your own lawyer. We call this the right to free choice of lawyer. You must always ask permission from your insurer. However, this is only a formality, because the legal expenses insurer cannot refuse you this. Each insurer has a maximum compensation for external costs. This can differ per insurer and can always be found in the policy conditions.
Get legal expenses insurance with criminal justice coverage through Alpina right away!
When taking out legal expenses insurance, you have to take a waiting period into account. With most insurers you cannot use the legal assistance insurance immediately, but first have a waiting period of 3 to 6 months. Also, ongoing conflicts are often excluded. Therefore, do not wait too long before taking out the insurance, so that you are properly insured in the event of a conflict or dispute. Do you still have questions? Then please do not hesitate to contact us! You can call us at 030 - 688 37 00 or send us a message via chat, WhatsApp or Messenger.
See also
- Is there also a legal expenses insurance without waiting period?
- Is my family covered by my legal expenses insurance?
- What is the best legal expenses insurance?
- What is the cheapest legal expenses insurance?
- Is there any point in taking out legal expenses insurance during a conflict?
- What is the excess for legal expenses insurance?
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