Matt, our freelance writer doesn’t take kindly to people whacking over his precious car. No, he doesn’t use his fourteen stone of gym-honed muscle to exact retribution nor is he into road rage. Of course he’s got his car comprehensively insured but he’s also covered another way. He’s got legal insurance. He included in his online car insurance as an optional extra. This extra cover allows him to claim for costs and losses excluded covered from normal comprehensive and third party policies. Some four months back, when his car was whacked from behind at the traffic lights, the legal profession swung into immediate action! Not for free you understand, after all who’s heard of a solicitor labouring for free? No, but it was free to Peter – his insurance company paid all his legal costs.

Whilst the garage appointed by his insurer made a beautiful job repairing his bent MX5, his comprehensive policy didn’t normally cover claims for personal injury or loss of earnings. So the extra $5 a month Matt dole out for legal expense cover, became a money that’s well spent. He’s already received compensation for the broken wrist he suffered and negotiations for his loss of earnings are well advanced. One-handed journalists aren’t much use in our office so he took a month off!

Legal expense insurance assists policyholders to claim back losses and compensation where the untoward accident was attributable to their own fault. The losses can include the cost of employing a replacement car while yours is in the garage being restored and for those not comprehensively insured, the costs incurred for having it all repaired. As in Peter’s case, legal expense insurance will also fund claims for personal injury and loss of earnings.

Cover for legal expense is one of those insurances that’s right under rated until it’s called on. Your insurer will then run the claim for you and send the settlement checque at the end of the process. All you must do is record the facts on the legal expense claim form, speak to the solicitor nominated by your insurer, always be prepared to answer a few follow up questions, and sit back. If the case goes to court, they’ll represent you and fight your corner – although you may also have to attend.

Most online car insurance policies sold on the Internet don’t automatically include legal expense cover – it’s normally an optional extra. That’s because price competition on the net is so fierce that the insurers prefer to keep their headline premiums down as low as possible.

You’ll find that the optional cost of legal expense cover does vary from insurer to insurer. For instance, more than comes in at $20.85 per year, Direct Line £19.98, Churchill $50 and Budget $65 per year. Only a few insurance companies as Admiral, include some legal expense cover at no cost to you.

So make sure you don’t forget legal expense cover when you buy car insurance. Complicated claims for compensation can drag on your years especially if severe injury is involved, and final settlements can end up in millions.

Learn more and get your Online Car Insurance Quotes today.

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