Legal expenses cover contributes to legal bills after a motor accident that wasn't your fault.
If you get into an accident, legal expenses can be covered by your car insurance.
It covers all or some of the legal costs involved in making a claim against another driver or defending a claim brought against you, following a car accident.
It’s either included as standard or as an optional extra. Once you have legal assistance, most insurers say you’re covered if your claim has a good chance of success.
If you have a good chance of making a successful claim, legal expenses will cover:
Each insurer has its own list of what is and isn't included.
Common exclusions include:
You can purchase legal cover as an add-on to your car insurance. The average price of legal cover from our current insurers is £23.46 when paid annually.
The main problem with legal cover is that there is no guarantee you'll win your case - or even that the case will be taken up by a lawyer in the first place.
The chances of success will be assessed as the case goes along, and the funding can stop at any time - if new evidence emerges, for example.
Some people use their savings to cover any legal claims they need to make, or to pay off any claims made against them. But legal costs can quickly add up and you might be looking at a significant sum.
Legal expenses cover will give you peace of mind, and it often includes access to a free legal helpline for valuable advice following a car accident.