Tip: as soon as you are involved in an accident, immediately notify your legal protection insurer by separate mail, because if you request his intervention when legal proceedings have already started, he may refuse to intervene, if he did not havethe opportunity to reach an amicable settlement of the dispute.

If it fails or proves impossible, the contract will cover at least part of your legal, expertise and procedural costs. Please note: the insurer's intervention is often capped. This ceiling can be negotiated upwards, but your insurance premium will be correspondingly higher.

Keep in mind that if you must defend your rights and you  purchased legal protection insurance - sometimes called "Defence and Legal Action" - the insurer will first inform you of your rights and, if necessary, examine the possibility of defending them in accordance with the terms of your insurance policy.

For example, in the case of an accident due to ice, it is likely that your insurer considers that, according to case law, this accident does not constitute an unavoidable event (the ice was forecast, for example). He will inform you. It is up to you whether or not to follow this piece of advice. If you do not share his point of view, there is a conflict of interest. If you nonetheless choose to hire a lawyer against the insurer's advice and that lawyer confirms the insurer's opinion, you may only recover a maximum of half of the costs and fees.  However, if you obtain a better outcome in court than your insurer expects, your insurer will have to pay all the costs.

Disputes and Complaints

Last update
14 December 2020