A private and professional legal protection insurance provides an important shield in various private legal matters and protects against claims from third parties for personal, property, and under certain conditions, financial damages.
It covers legal costs and offers support in disputes that can arise in areas of everyday life, such as disputes with the tax authorities, social insurance carriers, or contractual disputes in the private sphere.
Private legal protection insurance and professional legal protection insurance are important for everyone as they provide security and protection against high attorney and court costs that can arise in legal disputes.
Employment legal protection insurance is crucial for employees who want to safeguard against potential legal disputes in the workplace. This insurance offers financial protection and professional support in employment-related conflicts, whether it's in cases of dismissals, bullying, or other work-related legal disputes.
Typically covered areas in professional legal protection insurance include:
- Termination protection: This coverage provides support and financial security in cases of dismissals or wrongful terminations.
- Employment contract law: It protects you from the costs and challenges associated with disputes related to employment contracts.
- Bullying and discrimination: This coverage offers support and advice in cases of bullying or discrimination incidents at the workplace.
Professional legal protection insurance is essential to ensure that employees and businesses are effectively protected and can focus on their professional tasks without worrying about possible legal disputes.
The specialized criminal legal protection insurance is an insurance solution specifically designed to protect individuals from the financial and legal challenges of a criminal proceeding.
It covers the costs of legal defense, including attorney fees, court costs, as well as expenses for necessary expert opinions and expertise.
Traffic legal protection insurance is an indispensable protection for everyone who travels on the roads. It offers support and financial security in legal disputes that can arise in connection with road traffic. From car accidents to traffic disputes, and legal problems related to car purchases – traffic legal protection insurance ensures that you are protected in every situation.
Typically covered areas in traffic legal protection insurance include:
- Traffic accidents: This coverage provides support in legal disputes and costs that can arise from car accidents.
- Fines and penalties procedures: It protects you from the costs and challenges associated with fines and penalty proceedings.
- Legal issues related to car purchases: This coverage offers support in legal conflicts related to the purchase or sale of a vehicle.
Traffic legal protection insurance is essential to ensure that you are protected in case of legal disputes in road traffic and can focus on your rights without worrying about financial burdens.
Property legal protection insurance offers protection and financial security in legal disputes related to real estate and land. A Property legal protection insurance distinguishes between landlords and tenants.
Typically covered areas in property legal protection insurance include:
For Landlords:
- Legal protection in rental disputes: Support in legal disputes with tenants, e.g., due to rent arrears, terminations, or service charge settlements.
- Protection in contract disputes: Assistance in disputes arising from other contracts related to the rental, such as with craftsmen or service providers.
- Legal protection in construction law: Support in legal problems related to the construction, renovation, or refurbishment of the rented property.
- Protection in land and neighbor law: Legal protection in disputes concerning the property, such as boundary disputes.
For Tenants:
- Legal protection in rental disputes: Support in conflicts with the landlord, such as unjustified rent increases, rent reductions, or refund of the deposit.
- Protection in housing and neighborhood disputes: Assistance in legal disputes with neighbors or related to the apartment.
- Legal protection in contractual matters: Support in disputes arising from other contracts associated with the tenancy, such as with moving companies.
- Support in claims for damages: Legal protection when it comes to enforcing or defending claims for damages.
FAQs on Private Legal Protection Insurance
Legal protection insurance offers you financial protection in case you become involved in legal disputes. It often covers attorney and court costs as well as other expenses related to the legal dispute. It also often enables you to receive preliminary legal advice from a lawyer to clarify potential issues.
Depending on the insurance, various legal areas can be covered, such as labor law, traffic law, or tenancy law. This offers you broader protection in different situations and allows you to assert your rights without worrying about high costs.
Moreover, the mere certainty of being legally protected can help resolve or prevent conflicts out of court.
You can usually significantly reduce the costs for your personal legal protection by carefully assessing your risks before taking out the insurance and determining which areas of your life you want to be covered. Consider all everyday risks as much as possible so that you are protected from high costs in the event of damage. Insurance packages that include several components are often cheaper than individual insurances.
You can choose from different tariffs the one that suits you best. There are tariffs with a deductible of EUR 0, EUR 150, EUR 300, up to tariffs with a deductible of EUR 1,000. The premiums of these different tariffs vary.
Tariffs with a decreasing deductible are also possible. In this case, the deductible decreases if you remain claim-free over several years.
Legal offenses intentionally committed by the policyholder or insured persons.
Certain types of legal proceedings, such as cases before the Constitutional Court or an international court.
Legal disputes related to speculative investments.
Legal disputes aimed at defending against claims for damages (these are the subject of liability insurance).
Fines and monetary penalties are not covered by the insurance.
Disagreements during house construction (unless there is builder's legal protection), or in the purchase or sale of a building plot.
If you take out the legal protection insurance as a single person, your children are also covered. This applies beyond the age of majority as long as they are single and not yet employed.
If you choose a family tariff, in addition to you and your children, the following can also be covered:
- Spouse or life partner,
- Children of your life partner, and
- All relatives or in-laws living in the same household who are officially registered at your residence (not selectable in all tariffs). This also applies if these people live in a separate apartment in the single-family house you occupy.
Typically, most legal protection insurances have different waiting periods before full insurance coverage becomes effective. These waiting periods can vary depending on the insurance company and the specific conditions of the policy. The waiting period is intended to ensure that no existing legal conflicts or disputes are insured and that insurance coverage is not taken out in the short term solely for the purpose of a specific legal dispute.
During the waiting period, certain types of legal disputes or damage cases may not be covered. It's important to carefully review the exact terms and waiting periods of your legal protection insurance policy to be clear about the timeframe in which the insurance coverage becomes effective. We are happy to advise you on this topic.
Enhancing your security while simultaneously saving on taxes is possible! You can claim the contributions to your legal protection insurance for tax purposes if you have taken it out for professional reasons, for instance, to protect yourself in the event of a dismissal.
The fact that only the portion of your private legal protection insurance applicable to the professional area can be deducted from taxes dates back to a decision of the Federal Fiscal Court in 1997. Before this ruling, the legal protection for employment law was set at a flat rate of one-third. However, today, the exact proportion must be calculated in each case.
Legal protection insurance typically covers costs for:
- Attorney fees
- Court costs
- Witness compensation
- Costs for mediation
- Costs for out-of-court settlements
This can vary depending on the tariff and type of legal protection insurance.
