Legal Defense insurance is based on the service that the insurance company gives to its insured covering the costs of lawyers in the event of judicial and extrajudicial proceedings.
It is easy to imagine situations in which a person needs legal services to resolve any problems through judicial or administrative channels. This insurance is characterized by a very special attention of the legislator in order to protect at all times the insured in the defence of their interests.
The insurer shall advise and bear the costs of the insured person’s defence in defence and defence proceedings against public bodies, without assuming the payment of fines and penalties. In no case shall the payment of fines and compensation be covered for any expenditure incurred as a result of sanctions imposed on the insured person by the administrative or judicial authorities.
The insured person shall always be free to choose a lawyer and procurator to represent and defend him or her in any kind of proceedings, without the company’s professionals. In this case, there will be an economic limit set in the policy contract. Thus, the insured person may choose to maintain the legal direction of the company or to entrust his defence to a lawyer of his confidence.
The Legal Defense is an insurance independent of the rest, although usually we can also find it incorporated as additional coverage in multi-risk home insurance, auto insurance, and in many others. .
*Basic coverage may vary depending on the insurance company.