Warranty Civil liability and guarantee Legal protection: what difference?

Warranty Civil liability and guarantee Legal protection: what difference?

The liability guarantee is the minimum imposed by law. Present in all car insurance contracts, it provides damage to third parties.

The legal protection guarantee is optional. It allows you to benefit from legal aid in case of dispute.
How does the legal protection warranty work?

If you are the victim or liable for a claim to continue at the Tribunal, the legal protection guarantee of your auto insurance allows you to benefit from the help of lawyers for free. Your insurer may also, if necessary, mandate an expert. And this, at his own expense.

Legal assistance may apply that you are prosecuted, or you are committed to a third party.
In what situations can you activate it?

The legal protection of your auto insurance covers all disputes related to your vehicle (accident, garage, vol ...), but be aware that this guarantee also exists in other types of insurance contracts, such as home insurance, and that It then encompasses situations of much larger applications.

    You can read the extent of its field of action by browsing the terms and conditions of your contract.

What does the legal protection guarantee of your car insurance?

Concretely, auto legal protection supports:

    the fees of solicited lawyers;
    procedures costs;
    Expenses of expertise.

Attention, it is nevertheless subject to a ceiling of repayments that your insurer must indicate to you.

It can also include some exclusions or territorial limits (often only the countries of the European Union are covered). Take the time to re-read the terms and conditions of application in your contract before initiating legal proceedings.

Good to know also, the automotive legal protection may apply to all your beneficiaries.

Before starting any procedure, it is necessary to prevent your insurer who can then agree to the support or not of the file. Regarding the choice of the lawyer, it remains at the discretion of the insured. Nevertheless, if this one wishes, he can ask his insurance company to find one. His fees will then be taken care of by the insurer, according to a schedule established beforehand by the guarantee.