Car Insurance Legal Cover? – Complete Guide 2024
Most people have insurance policies, which can protect them and their vehicles from any uncertain incidents. But still, many users have questions about whether they also need legal coverage for their car insurance, and if yes, what are its needs?
Thus, here in this comprehensive article, we are sharing all the guidelines about the legal cover, what it includes, and more. So, read the entire article carefully.
What is Car Insurance Legal Cover?
Car Insurance legal covers, also known as Motor Legal Protection, mainly cover those legal expenses that one has to suffer at the time of the accident, in which they have no fault. But it is your choice whether to take the legal coverages under your policy, and some people may include it on its standard policy, too.
Also, if you have the correct legal coverage policy, then using it, you can easily make a claim. The next question arises about what it includes, so let’s look at our next topic to know what it contains.
Things Included in Car Insurance Legal Coverage?
Car Insurance legal coverage policy includes several legal expenses, including;
- Damage Expenses:
Legal coverage increases damage expenses if you still need fully comprehensive car insurance.
- Personal Injuries:
Under the legal coverage, you can easily cover your and your passenger’s injuries expenses.
- Loss of Earnings:
Now, if you get a severe injury in an accident, then at that time, your policy covers all the legal medical expenses and provides you with the earnings you lose due to injury.
- Other Expenses:
Other expenses include all the extra charges the tour car insurance policy doesn’t have.
Advantages and Disadvantages of Car Insurance Legal Cover:
The following are a few merits and demerits of Car Insurance Legal Coverage.
Advantages of Car Insurance Legal Cover:
- You can quickly obtain legal coverage for a reasonable cost.
- You will get easy and quick access to legal advice through its helpline.
- You will get significant pay if you file a court case and win it. Also, you may get a compensation amount, including the injury amount, loss of earnings, etc.
- Legal car insurance costs are cheap so more people can benefit.
Disadvantages of Car Insurance Legal Cover:
- The biggest demerit is that your provider may refuse to pay for your legal claim if they believe you have less chance of winning the case.
- Sometimes, your insurer may refuse to back your case if the amount you claimed is less than that of your legal costs.
- You are not eligible to cover your loss amount if the accident was caused at your fault.
What are the Alternatives for Car Insurance Legal Coverage?
Legal cover protection is not compulsory, so people may avoid taking car insurance legal cover, as they have a few more exciting options that work much like legal cover.
Therefore, if you are the one who doesn’t want the legal cover insurance policy, then you may go for its alternatives, which include;
- No win, No Fee Solicitor:
No win, No Fee Solicitor will help you when filing a claim. The main benefit of having No Win, No Fee Solicitor is that you can also add your injuries claim, and if you do not win the case, you will not need to pay, and if you win the case, at that time, you need to pay the fees with a 25% extra charges.
- Free Motor Legal Cover:
This is also one of the best alternative options; here, you just need to register on the FreeMotorLegal.co.uk website, which works similarly to the car insurance legal cover, but you need not pay any charges. If you have an accident that you did not cause, then you just need to call Free Motor Legal, who will provide you with a legal assistant to cover your expenses and medical bills.
- Trade Union:
If you are a member of the Trade Union, you do not need to take any additional legal cover, as you already have it.
- After The Event Insurance:
After The Event, abbreviated as ATE, is an insurance policy by which you can easily cover the legal costs without needing additional policy. But, the limitation of ATE is that it is much more expensive than the standard legal cover policies.
- Savings:
Now, if you don’t have a legal cover policy in that place, you can also have a right to use your savings amount. Still, the negative side is that you may need thousands of pounds to cover your losses, so we prefer not to use this saving alternative option to cover the cost.
Legal Cover Car Insurance Claiming Process:
The very immediate question that arises in the mind of policy policyholders is about the claiming process; thus, here we are sharing with you some information so that you can easily understand the benefits of car insurance legal covers and its claiming process.
So, first of all, to file a legal cover insurance claim, you need to contact your insurance provider as soon as possible and share all the essential information related to the accident and the damages. Also, you must collect as much evidence as possible about the accident, other drivers’ details, car registration numbers, etc.
After collecting all the evidence, submit it to your insurance provider. Also, take a witness statement record and medical bills, as it will surely be helpful while filing a legal cover claim.
Also, you get some extra benefits if you have legal cover protection in your policy, and that is, your insurance company will give you a legal assistant who will investigate all about the incident, damages, injuries, etc. Still, before that, you must be 100% sure you are not responsible for the accident.
After the investigation, your legal assistant will help you recover any uninsured losses, including loss of earnings, personal injury compensation, etc., from the liable person or their insurance company.
Is it worth having legal car insurance coverage?
Well, buying a legal car insurance policy entirely depends upon individual choices. Still, on the other side, the legal protection policy may offer a range of benefits to their policyholder. Therefore, there is nothing wrong with having it as a legal protection policy.
The legal cover protection offers their policyholder access to a legal advice helpline, by which you can quickly get the answers to your queries, and they always work for your betterment. So, if you have yet to buy the legal cover policy, you must go for it because of the extra safety benefits they offer.
Final Words:
Now, finally, it is time to take an overview of this article so dear readers, in straightforward terms, we would like to say that a legal cover is nothing but an additional part of your car insurance policy that covers all the legal costs that you may have to suffer, in an accident, which does not occur because of your fault.
There are thousands of benefits to having car insurance legal cover, but still, a few people prefer to take some other additional policies instead of car insurance legal cover; therefore, here we also share a few alternative policies information that you can easily purchase along with your insurance policy.
Now, at last, thank you for spending valuable time reading the entire article, and if you still have any queries, please feel free to comment on our website comment section.