Optional Legal Expenses Insurance with your Car Insurance Cover

It's Well Worth The Extra Cost.

We often forget that there are costs incurred in an accident that may not be entirely covered by a standard policy you need a legal expenses insurance supplement as well. A couple of years back my daughter was in a "car sandwich", a car hit her rear when she was stopped at red traffic lights and pushed her into the car in front which was of course stopped by the red traffic light. This is a bit of a nightmare scenario, as no one was really hurt i.e. no ambulance or medicals were needed the police aren't interested and the guy who ran into her denies it! What did he think she reversed into him?!

So what happened? She had legal expenses insurance and all the stress was taken away from sorting out the claims and counter claims as well as the stupidity of the denial. Not only that it didn't cost her anything more and she got compensation for the trauma as well, all because she spent a little extra on her car insurance policy and had legal cover. This allowed her to claim all sorts of costs for traveling to a car repairer, hospital for a check up on her neck and so on, which can amount to quite a lot of money, that was not her fault.

You can even claim for loss of earnings if your injuries prevented you from working normally and loss of any items that go missing or were damaged in the collision from a legal expenses policy. This will also cover the cost of hiring a replacement car or public transport if the accident wasn't your fault.

Cover for legal expenses insurance on your car policy is one of those insurances that's forgotten about until needed. The insurer will sort the claim for you and send the settlement money at the end of the procedure. You just have to write the facts down on the forms they send you, make contact with the solicitor and respond to any follow up questions that may arise.

If a court case ensues they will represent you as well. Many car insurance policies sold on the Internet don't necessarily legal expenses cover, because they keep the basic prices right down but it is normally shown to you during the selection process as an option which you should tick off as being required.

Another point is that you might want to compare the legal costs on the insurance policy as well; some companies don't charge and some are very cheap and others charge the earth! Beware.

Car policy legal cover really is a necessity especially if you are older, some cases can go on for ages even years and can run into 5 figure and even six and seven figures, don't get caught out always make sure you can cover all legal costs covered by your car insurance legal expenses policy.