The coverage of legal defence and claim damage offers legal protection of lawyer and procurator whether a third He claims you (legal defence), as if you have to claim a third party (claim). Many insurers include them in all their Policy even if you choose a Sure. of third parties, while others make them optional coverage, which you may or may not include in your policy. In any case, it is a useful coverage that is worth including in your bike insurance policy.
Legal defence
The defence coverage includes the costs of a lawyer for the assumption that a third claim some kind of damage that you caused with your vehicle. The damage the third party claims may be of two types:
- Material damage to a vehicle or something. From a hit to the opposite vehicle in an accident to damage to urban furniture or a third party property.
- Corporal damage to a person. If you hit a person maneuver or the driver any of the occupants of the vehicle is injured.
Normally, companies come to an agreement, but there are accidents in which the fault is not clear or there are several vehicles involved and it is not clear how the accident occurred. In such cases, it sometimes becomes necessary to reach a court and you will need a lawyer to defend and claim your interests. The costs of that lawyer and the procurator, if necessary, are the costs of the insurance If you have this coverage.
Claim for damage
If the legal defence takes over the costs of a lawyer and procurator when defending you in a trial for a claim made by a third party, the claim for damage covers the costs of the defence. If you want to claim an opposite for the consequences of a traffic accident.
As in legal defence, you can claim two types of damage:
- Material damage to your vehicle or property. From a hit of the vehicle against your bike to damage to a property or something on your property.
- Corporal damage to a person. If you have been injured in an accident guilty of the opposite vehicle, you can claim the injuries and medical expenses.
Free choice of lawyer and procurator
According to section 76 (d) of Law 50 / 1980 on Insurance Contract, the insured shall have the right to choose freely the procurator and lawyer to represent him and to defend him in any proceedings. It is therefore a right of the insured, who can choose which lawyer and procurator will defend their interests. Under the insurance law, these professionals of free choice or designation do not have to follow the instructions of the insurer.
Normally, the legal defence and claim coverage of different policies usually includes unlimited coverage if you have insurance lawyers and up to an amount if you choose your own lawyer. This is totally legal, the insurer will cover all expenses if you have a lawyer who agrees with them, while If you choose your own lawyer under article 76 of the law of the insurance contract, pay the invoice up to a certain amount, which is usually 1,000€ to 3,000€ according to each policy. This means that if your lawyer's bill is greater than the amount that is insured in your legal defence and claim policy, You'll have to pay the difference..
Criminal liability
Legal defence and claim coverage often includes bail Criminal. In serious situations such as major accidents or very serious infringements there is even the risk for the driver responsible. Insurers often cover the cost of the so-called criminal bail that the judge may impose for Don't have to go to jail..
Normally, the amount of the criminal bond is also maximum, usually ranging from 3,000 to 15,000.€.
