What is legal protection insurance?
Disputes with your employer, an unjustified debt collection notice, or unpaid claims from your health insurance: no one is immune to suddenly facing legal conflicts. With legal protection insurance, you receive professional legal assistance when you need it most.
Would you know what legal action to take if you were injured while playing sport and your accident insurance refused to pay? Or if you were unfairly evicted from your rental apartment?
Of course, we’ve all seen Hollywood courtroom dramas on television where passionate speeches and surprise witnesses turn the case around. But since these have little to do with the reality of the Swiss legal system, they won’t be much help – so if you are not legally trained, dealing with a dispute without professional support can soon become overwhelming.
This is where legal protection insurance proves its worth: Its primary goal is to prevent court proceedings by offering expert advice and mediation. However, if a legal dispute becomes unavoidable, it provides legal representation, covering solicitor and court fees as well as legal costs cover.
What does private legal protection insurance cover?
Private legal protection insurance covers a wide range of legal areas. Typically, these include:
- Labour law – disputes with your employer
- Family law – including divorces and inheritance matters
- Criminal proceedings and compensation claims
- Insurance law – conflicts with health insurance providers, pension funds, etc.
- Tenancy law – disputes with neighbours or property management
- Consumer rights and online legal protection
- Disputes with authorities – such as tax offices or building authorities
Of course, this list is not exhaustive, as coverage varies depending on the provider. It is merely an example to illustrate that legal disputes can arise in all kinds of situations. This is precisely why having the right legal protection insurance is so important – so you don’t suddenly find yourself defenceless under cross-examination.
