Insurance for traffic legal protection: Who needs it?

There’s a crash, the car is totalled, a complete write-off – is traffic legal protection insurance worth it in such a case? It’s difficult to provide a generalised answer. The traffic legal protection can be helpful in certain cases. For example, you receive support from the insurance if you are unexpectedly involved in a traffic accident in order to implement compensation claims against the person responsible for the accident. Help is also provided if there is subsequent difficulty with your own car insurance. Lawyer fees, costs of appraisals or court fees: Such expenses, which can quickly amount to several thousand francs, will be covered.

Drivers can also profit from the legal protection if they see themselves suddenly involved in criminal proceedings because of a violation of traffic laws. In the case of ID document withdrawal or other administrative measures, it can be useful to be able to rely on legal support when dealing with the road traffic authorities.

Besides, traffic legal protection insurance is also well worth examining for people who are on foot or use public transport. A person hit by a car receives support from their legal protection insurance in order to make a claim against the person responsible for the accident. With back damage or whiplash, frequent injuries in road traffic, legal disputes often arise concerning, for example, the amount of a pension or the degree of work incapacitation. In these cases, the legal protection can supplement relief contributions to the victims.

Such legal disputes are enormously expensive; the costs can immediately exceed the relatively low premiums for the traffic legal protection, even when payments are cumulated over the years. Insurance policies between approximately 65 and 150 francs are available to individuals. A policy comparison is well worthwhile especially when you are interested in combining traffic with private law protection insurance for which the premiums are correspondingly higher.