Does legal expenses insurance allow me to choose my own lawyer?
Do you have legal expenses insurance? Then you are always assured of help the moment you get into a legal conflict. Your insurer will, for example, help you hire a lawyer. But does legal assistance insurance also allow you to choose your own lawyer, or is one chosen for you?
Free choice of lawyer
A legal dispute can happen just like that, for example because of a traffic or labor conflict. With legal assistance insurance you are always assured of legal help. Your insurer will help you resolve the dispute. Often the conflict can already be resolved by sending a letter from the insurer or by hiring a mediator. Has the conflict already escalated too far? Then your insurer may decide that legal proceedings are necessary. Insurers employ their own lawyers and attorneys for such situation. They will offer you a lawyer employed by their organization. However, you are not required to choose this lawyer. You may always choose your own lawyer with legal expenses insurance. This is the right to free choice of lawyer
The right to free choice of lawyer only applies if your insurer decides to take legal action. This is because in the case of a legal conflict, engaging a lawyer is not always mandatory. Whether it is necessary depends on the type of conflict. Is it a traffic conflict, such as a traffic violation? Then the case will go before the district court and a lawyer is not required. If the case goes to civil court, for example in a neighbor dispute with a hefty monetary claim, then hiring a lawyer is mandatory.
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Requesting permission
During legal proceedings, you always have the right to have your own lawyer. Your insurer can never deny you that. However, you should always ask your insurer for permission. However, this is only a formality because an insurer cannot deny you the right to your own lawyer if you have legal expenses insurance.
Attorney fees and reimbursement
Each insurer has included a maximum amount for external costs in the policy conditions. How high this amount is varies by insurer. With most insurers, however, the reimbursement for external costs drops if they are non-emergency costs. So the moment you choose a lawyer yourself, while your insurer provides one, they see this as not strictly necessary costs. When you choose your own lawyer, it is more expensive for your insurer than when one's own lawyer handles the case. Therefore, when you hire your own lawyer, less costs will be reimbursed. This is not the case with every insurance company; with some the amount remains the same. Always check the conditions of your legal expenses insurance to see how much they will reimburse you.
Compare professional liability insurance for lawyers
Professional liability insurance for lawyers covers various types of professional risks. Among other things, it covers liability for damages suffered by the client caused by negligence, error, omission or negligence. In short, coverage for the risks you may face as a lawyer.
At Cheapp.co.uk you can therefore compare professional liability insurance policies from well-known insurers and take out a policy directly online. Within a few clicks we show you a clear overview of the insurers with the best offer, including the corresponding premium. Clear, quickly arranged and at the most competitive premium.
So compare our professional liability insurance policies for lawyers below and purchase your insurance directly online.
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