Need a ‘free’ lawyer? Don’t forget your insurance!
Few people realise that they can engage a lawyer for free through their insurance.
Legal assistance may be covered by a separate policy (legal assistance insurance) or as an optional form of cover with car insurance, family insurance, fire insurance, business insurance and so on.
For example, if you are summoned to appear before the police court for a traffic offence, it’s worth bearing in mind that your car insurance usually allows you to choose a lawyer, with all costs covered by the policy.
If you’re the victim of a crime, you may be entitled to a free lawyer. What’s more, some policies will even cover you if the perpetrator turns out to be incapable of paying compensation. It may therefore be worth seeking a compensation award from the court even if you think it can’t be enforced.
Your family policy may also pay your legal costs if you’ve caused damage to a third party.
In certain cases, someone charged with breaking the law unintentionally can claim the services of a lawyer free of charge. Someone charged with an intentional offence may sometimes qualify for legal assistance, although many policies make this conditional on a subsequent acquittal.
If you arrange a separate legal assistance insurance policy, there are many more situations in which you can engage a lawyer, such as for contractual, fiscal, social law, labour law, family, administrative, disciplinary or other disputes.
Each policy must be examined individually. Don’t be too quick to assume that you don’t qualify. We’ll be happy to take a look at your policy with you.