The legal defence cover in the Hello Auto car insurance is included in all the modalities, as it is one of the pillars that every insured person looks for when choosing the best option in this type of product.
This is the guarantee that the insurer will cover the costs that may arise as a result of possible claims arising from possible damages caused while driving, even through criminal proceedings, although, as we will see in the following section of the text, it also covers expenses in the event that you are the one who needs to resort to legal services.
What does the legal defence of a car insurance policy cover?
If your car insurance includes legal defence, as with any of ours, you should know exactly what kind of protection you have and how to use it to your advantage.
Legal protection is a right of policyholders with Hello Auto according to which all of them are entitled to cover the expenses that may arise from a legal or administrative procedure caused by their activity behind the wheel.
You can choose your lawyer
You can decide who will represent you and defend your interests with complete freedom.
Total independence from the insurer
Your lawyer should only be concerned with defending you, without the insurer’s interests weighing on his or her actions or decisions.
Fees and expenses of the legal professional
The lawyer’s salary, as well as possible extra expenses, will be paid by the insurer, always within the amounts stipulated in the policy in each case.
Possible appeals and appeals
If it is included in the policy, the car insurance will also cover the costs derived from appealing decisions that go against your interests. In addition, if you initiate a process on your own whose result is more beneficial to you than the one obtained under the insurance company’s protection, you will be able to request a reimbursement for the expenses that this process has entailed for you.
Own claims for possible damages
Of course, the legal defence cover in the Hello Auto car insurance will not only allow you to defend yourself, but it is also at your disposal in case you are the one who needs to make any type of claim after having received personal or material damages.
In other words, it doesn’t matter if you are the one who has been damaged or if the damage is limited to your vehicle. You will be able to make use of the legal resources that you need as long as they are included in your policy and always within the amounts that are reflected in it.
What is not included in the legal defence cover of your car insurance?
Just as it is necessary to be clear about what types of actions and expenses are included in the legal defence cover of a car insurance policy, it is equally important to know exactly what types of actions are not included in this type of protection. In these cases there is no guarantee on our part and therefore you will be responsible for the costs incurred.
Payment of fines
Sanctions imposed by administrative or judicial authorities.
The responsibility for any of these situations will fall entirely on the insured person, who will be the one who will have to manage and pay them if necessary.
For all these reasons, it is very important to be aware of what type of legal defence cover is available in the car insurance policy and, more importantly, what the limits are when it comes to covering the expenses that any type of legal procedure may generate.