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legal protection insurance

Jan 29, 2009 @ 18:11

Does anyone know what exactly is Legal Protection Insurance? There are so many insurances in Switzerland...

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Does anyone know what exactly is Legal Protection Insurance? There are so many insurances in Switzerland...
logicaJan 29, 2009 @ 18:11

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Re: legal protection insurance

Post 1

Jan 29, 2009 @ 18:43

Legal protection can be divided into two categories: Personal legal insurance and motor legal insurance. Personal legal insurance provides protection for areas such as compensation, criminal defence, insurance laws, employment laws and patients' rights. Motor legal insurance covers areas such as the confiscation of licences, vehicle contract laws, compensation rights, insurance laws as well as criminal defence in connection with neglecting traffic regulations.

Alexandre - Insurance advisor

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Alexandre - Insurance advisor
Cervin, Jan 29, 2009 @ 18:43

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Re: legal protection insurance

Post 2

Jan 29, 2009 @ 19:01

Thanks very much. That's quite clear and helpful. One last question, do you have a recommendation of company which offers good pacakge for personal legal insurance.

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Thanks very much. That's quite clear and helpful. One last question, do you have a recommendation of company which offers good pacakge for personal legal insurance.

logica, Jan 29, 2009 @ 19:01

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Re: legal protection insurance

Post 3

Jan 29, 2009 @ 19:17

The TCS (Swiss touring Club) has both of theses insurances. I have been with them a number of years and been very happy with the service.

You can get the insurances from their office:

Secrétariat de la Section genevoise du TCS

Quai Gustave-Ador 2

CH-1207 Genève

reception[at]tcsge.ch

tél. : 022 735 46 53

fax : 022 735 48 15

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Re: legal protection insurance

Post 4

Jan 30, 2009 @ 00:05

From the Swiss consumer information organization Comparis at www.comparis.ch

Legal protection insurance covers legal expenses. There are products for private protection, motor protection and a combination of the two.

Motor legal protection insurance covers legal costs for conflicts with insurance companies, injuring parties (eg. person who caused the accident), contractual partners or criminal and administrative proceedings which result from traffic incidents.

Private legal protection covers the cost of legal proceedings pertaining to contractual conflicts, especially purchase, rental, works, loan and employment contracts. Legal costs in case of divorce, inheritance conflicts, building processes, tax and most cases of criminal proceedings are not covered. Legal proceedings pertaining to employment laws with an amount in dispute of up to CHF 30,000.- and arbitration proceedings concerning rental laws are free of charge. This also applies to social insurance proceedings. Further, costs for legal representation may be covered if deemed necessary and not financially possible.



	Before concluding private liability insurance, assess your risk of larger legal conflicts, e.g. involving your employer, landlord or purchase, lease and other contracts or assignments. Keep in mind that legal proceedings concerning labour involving an amount of up to CHF 30,000, arbitration for rental disputes and court proceedings for social insurance are free of charge. There is also the possibility of coverage for legal representation if deemed necessary and not financially possible. Helsana offers a cheap product for supplementary ambulatory health insurance called 'Top', which includes coverage for legal protection concerning health matters. This product is worth considering if you already are a holder of supplementary ambulatory insurance and do not really want to buy separate insurance for extensive legal protection. This protection only applies to conflicts with doctors, hospitals (e.g. for incorrect treatment), social and private liability insurance providers (e.g. for pension claims) as well as claim enforcement from liable third parties. Click here to continue with our supplementary health insurance comparison

	Comparis tip for motor legal insurance:

	It is worthwhile for all individuals to contemplate buying motor legal insurance protection, not just for vehicle drivers, but also for pedestrians, especially for matters involving back injury, whiplash, extent of pension or level of inability to work, which may very quickly result in costly lawsuits. Yearly premiums are relatively low compared with fees for legal representation.

	General tips for legal protection insurance

	First, check to see whether you already have insurance for legal protection (may be included in health or other insurance or you may be protected as a union member or if you belong to a tenants' association etc.). Premiums may vary by over 100% which makes ordering several offers quite worthwhile. If possible, choose insurance for legal protection which will allow you to select your own lawyer. Lawyers employed by insurance companies have a tendency to consent to hasty agreements or declare possible lawsuits futile. Lawyers active on the open market are not subject to pressure concerning trial costs. Choose an insurance product for legal protection which you may terminate each year.

The text you are quoting:

From the Swiss consumer information organization Comparis at www.comparis.ch



	Before concluding private liability insurance, assess your risk of larger legal conflicts, e.g. involving your employer, landlord or purchase, lease and other contracts or assignments. Keep in mind that legal proceedings concerning labour involving an amount of up to CHF 30,000, arbitration for rental disputes and court proceedings for social insurance are free of charge. There is also the possibility of coverage for legal representation if deemed necessary and not financially possible. Helsana offers a cheap product for supplementary ambulatory health insurance called 'Top', which includes coverage for legal protection concerning health matters. This product is worth considering if you already are a holder of supplementary ambulatory insurance and do not really want to buy separate insurance for extensive legal protection. This protection only applies to conflicts with doctors, hospitals (e.g. for incorrect treatment), social and private liability insurance providers (e.g. for pension claims) as well as claim enforcement from liable third parties. Click here to continue with our supplementary health insurance comparison

	Comparis tip for motor legal insurance:

	It is worthwhile for all individuals to contemplate buying motor legal insurance protection, not just for vehicle drivers, but also for pedestrians, especially for matters involving back injury, whiplash, extent of pension or level of inability to work, which may very quickly result in costly lawsuits. Yearly premiums are relatively low compared with fees for legal representation.

	General tips for legal protection insurance

	First, check to see whether you already have insurance for legal protection (may be included in health or other insurance or you may be protected as a union member or if you belong to a tenants' association etc.). Premiums may vary by over 100% which makes ordering several offers quite worthwhile. If possible, choose insurance for legal protection which will allow you to select your own lawyer. Lawyers employed by insurance companies have a tendency to consent to hasty agreements or declare possible lawsuits futile. Lawyers active on the open market are not subject to pressure concerning trial costs. Choose an insurance product for legal protection which you may terminate each year.