Legal protection: cover and benefits
Legal protection insurance provides financial security in legal cases. However, not all cases are covered. Comparis explains.
Which legal protection insurance do I need?
The benefits and coverage of legal protection insurance vary from one provider to another. You choose how much protection you want in which areas of life.
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Find the right legal protection insurance.
What costs do legal protection insurance policies cover?
In Switzerland, legal protection insurance usually covers:
Lawyers’ fees
Court fees
Legal reports
Reimbursement of the counterparty’s legal expenses
Bail (advance payment) depending on the insurance conditions
Personal versus motor legal protection: which is which?
Insurers generally distinguish between personal legal protection and motor legal protection. Combined legal protection covering both areas is also possible.
A personal legal protection insurance policy supports you in legal disputes in your everyday life – for example with your employer, landlord or health insurer.
A motor legal protection insurance policy helps with legal challenges on the road – whether in a traffic accident, traffic offence or disputes arising from a vehicle purchase.
Benefits of personal legal protection
The coverage benefits of personal legal protection insurance may include these areas of law:
Support in disputes arising from purchase, rental or service contracts – such as the purchase of a defective product or problems with a rental company.
Legal assistance in the event of conflicts with an employer, such as unjustified dismissals or existing wage claims.
Legal assistance in the event of problems with landlords – such as rent increases, terminations or housing shortages.
Support in enforcing or defending against claims for damages following accidents or damage to property.
Legal assistance in disputes with social insurance (such as OASI, invalidity insurance and accident insurance).
Coverage in the field of commercial legal protection
The cover provided by motor legal protection insurance may include these areas of law:
Legal counsel with regard to criminal consequences for vehicle drivers in the event of legal violations.
Legal support for claims for damages following road accidents. Drivers can claim compensation for personal injury or property damage or defend themselves against such claims if they themselves are held responsible for an accident.
Legal support for vehicle drivers’ claims to social security benefits such as accident insurance or invalidity pensions after road accidents.
Legal assistance in disputes between drivers and their private insurers, such as liability or casco insurance.
Legal assistance regarding the rights and obligations of vehicle drivers in connection with vehicle purchase, leasing or repair contracts.
Assistance with administrative measures imposed by authorities, such as the revocation of a driving licence in the event of traffic violations.
What you need to know about legal protection insurance
Find out more about legal protection
