Traffic legal protection insurance
If you have traffic legal protection, your insurance will pay the costs of legal disputes arising from road traffic incidents. Regardless of whether you were traveling by car, motorbike, bicycle, on foot or by public transport.
In the car, you are already well protected on the road with the mandatory motor vehicle liability insurance and the optional comprehensive insurance for property damage and personal injury. However, this does not apply to any resulting legal disputes. You need traffic legal protection for this. This is the only way for the insurance company to bear the costs for the court, your lawyer and – if necessary – for experts in an emergency.
Even if you have problems when buying a car, you are on the safe side with traffic legal protection. If you are a member of an automobile club, for example the ADAC, then check whether you already have traffic legal protection through your membership.
Important: Make sure that traffic legal protection not only protects your own vehicle, but also covers damage to other people’s vehicles. After all, in traffic accidents there is always a risk that you will be wrongly accused. Then the legal protection policy also covers the costs of the process in which your lawyer is supposed to prove your innocence.
Our recommendation: You don’t have your own car, but often use car sharing offers or borrow a car from friends? Then a special form of traffic legal protection is worthwhile: driver’s legal protection insurance. Whichever vehicle you drive, driver’s legal protection insurance protects you against legal disputes in this context.
Personal legal protection insurance
You need private legal protection if you fear legal disputes in your private life, for example a dispute with an acquaintance, a neighbor or your insurance company. With personal legal protection insurance, you are protected if such cases are legally settled.
But: In such cases, there is often no legal proceedings, the dispute is often settled with the help of mediation, i.e. an intermediary is involved. This has a central advantage for you: mediation is usually faster than court proceedings.
Tip: Your legal protection insurance should therefore definitely cover the costs of mediation.
Professional legal protection insurance
Have you received an unjustified warning or your old employer issued you with a bad job reference that you cannot understand? You need professional legal protection for such legal disputes.
Important: Professional legal protection insurance is usually offered within legal protection insurance in combination with private legal protection insurance. Insurance companies justify this by saying that many private and professional disputes cannot always be clearly distinguished.
Residential legal protection insurance
A residential legal protection, also known as real estate legal protection, is relevant for different groups of people. Both tenants and landlords need this module, as both parties are protected with this module from possible costs of legal disputes in connection with the rented or rented property. Against this background, this building block is also referred to as legal protection for tenants or legal protection for landlords.
Renters’ legal protection or housing legal protection helps tenants in legal disputes with the landlord or property management. For example, if your landlord believes that mold only grew in your apartment because you did not ventilate properly, your legal protection insurance will cover the costs if a legal dispute arises.
You are also on the safe side with legal protection for housing in the event of excessive ancillary cost bills, an unjustified rent increase, a declaration of personal use or an unjustified termination by the landlord.
Thanks to legal protection for landlords, landlords are also not left with the court costs if a legal dispute arises, for example because tenants do not pay the rent. Homeowners, on the other hand, can do little with residential legal protection insurance: You are not insured by this insurance module in the event of legal disputes in connection with your property.
Tip: If you take out several legal protection modules at the same time, you will receive discounts from some insurance companies.