We take over the correspondence with your legal expenses insurance free of charge and check whether insurance cover exists free of charge.
Insurance cover is based on the agreed General Terms and Conditions of Legal Expenses Insurance (ARB). The current sample conditions are available for download on the website of the German Insurance Association (GDV). However, the insurance conditions can vary greatly depending on the legal expenses insurer and the period in which the legal expenses insurance contract was concluded. It is therefore important for the lawyer to take a look at the specific terms and conditions agreed.
When it comes to the question of whether legal expenses insurance will cover the costs, everything revolves around the so-called legal expenses case. What is a legal protection case? When did it occur? Was legal expenses insurance already taken out at that time? This is generally unproblematic in the case of claims. The legal protection case is the event that caused the damage, e.g. the traffic accident. However, it can be more difficult if several events come into consideration as a legal protection case. The request for cover should then definitely be made via a lawyer. This is because the insurance conditions often contain provisions in favor of the policyholder that are often “overlooked” by legal expenses insurers. A note from the lawyer to the legal expenses insurer is then often very helpful.
If your legal problem is not covered by your legal expenses insurance, we will inform you of the costs likely to be incurred and you can then consider at your leisure whether we should handle your case even without insurance cover. You therefore have no cost risk.