Motor legal expenses insurance can be a valuable addition to your general motor insurance policy.
It’s there to help you recover any losses which are not covered by that policy – these are called your uninsured losses.
If you are involved in a motor accident that wasn’t your fault you have a legal right to claim back losses you suffer as a result.
Actually recovering these losses, however, can be far from straightforward. Specialist legal advice can be expensive, while trying to sort it out on your own can be complicated and stressful.
This is where motor legal expenses insurance can help. We will help you recover your uninsured losses and pursue compensation from the driver at fault for the accident.
Let’s take an example... You’ve loaded up the car and the family is going on a well-earned short break. However, not long after setting off, another driver drives into the back of your car. Although the accident wasn’t your fault you still suffer losses that aren't covered by your general motor insurance policy.
Like your mountain bike, secured on the back of your car.
It's damaged but we will help you recover compensation from the driver at fault.
Worse still, you or your passengers are injured.
We will provide you with a lawyer to pursue a personal injury claim on your behalf and obtain compensation to help you with the road to recovery.
You’ve had to pay your policy excess on your comprehensive motor insurance policy to make a claim for damage to the vehicle.
We will help you recover your policy excess from the driver at fault. What’s more, if we’re able to recover your losses in full, your no claims discount shouldn’t be affected.
And what about the inconvenience of having your vehicle off the road? How will you get to work, do the shopping, or the school run?
If required, we can arrange a replacement hire vehicle for you and recover the costs from the driver at fault. The driver at fault will also have to pay for any repairs to your vehicle if you’re not comprehensively insured.
Often our experienced motor claims handlers can negotiate recovery of your claim without the need to go to court….
If not, or if there's personal injury involved, the road ahead may be trickier. We'll instruct a lawyer to act on your behalf, and cover legal costs and expenses up to the amount shown in the policy wording. This also includes the other side’s costs if you lose.
In short, motor legal expenses insurance gives you legal protection and peace of mind that, should you be unlucky enough to be involved in an accident that wasn’t your fault, help is at hand. Which means you may be able to go off on that short break after all!
An accident isn’t the only event where motor legal expenses insurance can help.
The cover includes a Legal Advice helpline, there to help you understand your rights and responsibilities. Useful when you sell your car, for instance.
A counselling helpline is also available if, for example, you’re struggling to cope after an accident.
Some products may also cover the costs of a lawyer to defend your legal rights if you’re prosecuted for a motoring offence for example, speeding. Or, perhaps a garage's repairs aren't up to standard.
Some products may cover the costs of a lawyer if you're involved in a contract dispute relating to your motor vehicle.
As with all insurance policies, there are important terms and conditions to bear in mind. Some of the key ones are…
- The event has to happen whilst you’ve got the policy in place.
- Also, any costs you incur before we have agreed to cover your claim will not be covered. So, if you’re involved in an accident you think wasn’t your fault call us straight away and do not incur any costs (for example, the cost of consulting your own lawyer).
- It also has to be more likely than not that you will win your case. This is referred to as ‘reasonable prospects of success’ and is a normal part of the legal process of pursuing claims. If at any time you are not likely to win your case we will stop paying your legal costs, but as long as your claim is more likely than not to be successful, we’ll continue to support your case.
So that's motor legal expenses insurance in a nutshell. It’s there to help you recover your uninsured losses and provide essential peace of mind should you be involved in an accident that wasn’t your fault.
Speak to your insurance adviser to find out more.