In Germany, health insurance is indispensable and is one of the compulsory types of insurance. Everyone who lives and works in Germany must have health insurance. Exceptions only apply to persons who stay in Germany for less than three months. Legal insurance in Germany covers legal costs such as court, lawyer, witness and translation costs. If you lose the legal proceedings, your legal expenses insurance will also cover the legal costs of your other party. If you buy a house in Germany, your legal expenses insurance can pay a lawyer to review the purchase agreement. You also have legal protection in case the seller wants to increase the price after signing the contract. Or if you wish to cancel your purchase contract due to hidden defects of the property. You can book a consultation with one of our lawyers as soon as you register.
There are wait times for other legal services. These waiting periods are different for basic insurance and supplementary insurance. You can check the waiting times on our offer screen or in your insurance details when you apply. If you are a homeowner and live in your own property, home rental law insurance can also help if you have a dispute with your property management company. You will not be able to use your legal protection insurance once you have received it. There is usually a waiting period of 3 to 6 months.1, 2 The waiting time is shorter for some problems (traffic, taxes) and longer for other problems (work, divorce). The most common types of legal protection in Germany include private, professional, tenant and road insurance. The one you buy usually depends on your needs. For example, if you don`t rent anything, you probably don`t need tenant insurance. However, the details of each individual insurance can be explained by the insurance company, and you can also find them on your contract. Below you will find an overview of the different types of legal expenses insurance in Germany.
Yes, it`s worth it, especially as an expat. Sometimes unexpected things happen, and if you are not familiar with the law or the German language, it can seem quite impossible to conduct a trial. Attention: insurance contracts are often associated with a waiting period of several months before the legal costs are taken over. If you`re already facing litigation, it`s usually too late to get insurance to cover costs. You can be a good citizen. But that doesn`t mean everyone is as nice as you are. That is where conflicts come from. The cost of legal protection insurance may seem high. But considering the high cost of legal fees in Germany, the fees you pay will be worth it if you need legal assistance.
Find out which elements of legal protection are best for you. All of the following insurances offer the following benefits: Accident insurance covers you and your family members in the event of an accident or death. Like any other insurance (health, liability, disability or auto insurance), legal protection insurance protects you from huge bills and gives you peace of mind when you have to deal with the unexpected. Legal issues are all around us, and you never know when you`ll have to deal with them. Legal protection insurance works quite comprehensively: if you are in a legal situation, you can call or meet with a lawyer and get legal advice and be represented if necessary. You must make a claim under which the insurance company will cover the costs. The four most common modules of legal expenses insurance are: The price of legal protection insurance depends on the insurance company and also on the sum insured. The more add-ons you buy, the more expensive it becomes.
The basic policy can even be cheaper than 20 euros per month. However, in the event of a claim, you may have to pay a deductible of a few hundred euros (usually 150 to 300 euros), depending on your policy.