This is the probabilty of the occurrence of an event resulting in damage or need. The occurrence of this event is therefore uncertain and incidental. If the policyholder is not able to influence the likelihood of an incident occurring or the amount of damage, this is a so-called objective risk. Subjective risks are those which vary according to the policyholder's behaviour who is therefore, to a certain extent, able to influence the event's occurrence and the amount of benefits. Legal insurance provides protection in case unjustified demands (including denied contractual claims) are made.