If you have an accident, and it's not your fault, the insurer you are with will usually tell you that you need to claim off the other person's insurer. In your policy booklet, there is a section called Uninsured Loss Recovery. That will give you the name, address and phone number of an external company of personal injury solicitors who will recover the money from the third party insurer for you. Once you pass the claim on to that external company, your insurer no longer deals with it.

The external company will organise the repairs to your car, arrange a hire car while yours is off the road, deal with any personal injury claims, recover any expenses you get as a result of the accident etc, and they do this by claiming from the third party insurer.

If their claim is successful, they claim their fee off the third party insurer, and you pay nothing. However, the reason you pay your insurer for legal protection is so that if their claim is not successful, and the solicitor cannot claim back their fee from the other person's insurer, they don't need to send you a bill for their services. The insurer would pay their fee because you have got the legal protection.

It's a personal choice, but I have had an accident in the past and the court case went on for 6 months. It was peace of mind to know that I wasn't paying as the legal fees for that amount of work would have been ridiculous.

I know there are adverts on TV for personal accident solicitors, and most of them say that there is no charge, but they will usually ask you to sign a contract so that if their claim fails, you get the bill, so unless you are 100% certain of a successful claim, I would personally avoid them.

This is usually offered as an extra or "bolt on" to the car insurance policy. It's normal for legal expenses cover to provide up to £50,000 and for an additional premium of around £20 to be charged for this. Some insurance companies add in Legal Expenses Protection cover automatically and if you don't want it then you must phone them and ask for it to be taken off, and a new premium quote issued.

Legal Expenses Cover is there in case you have an accident or a disputed legal case with the police or a garage. It pays for solicitor's and claim handler fees in the event of trouble.
For example - if you have an accident that is someone else's fault then the Legal Expenses will pay for the claim to recover your policy excess (the first few £hundred that YOU must pay regardless of who caused the accident). In this case you can see that it's good value because it could easily cost you over £thousand to reclaim this yourself - and be a great deal of trouble.
Legal Expenses Cover can also be well worth having in the event of someone else making a claim against you. It will pay for your defence and so this may protect your No Claim Discount.

It's worth having. The peace of mind is well worth the small additional cost.

What is legal and what is the right thing to do should be the question.You may pay less but if you're in a catastrophic accident the medical bills will certainly outweigh what amount you have in coverage, very quickly.And you will have to file bankruptcy or the hospital will put a lein on everything you own.

Usually offered as an add on and at around £25 it is a bargain. Without it you stand little chance of recovering uninsured losses like the excess, hire car etc etc in the event of a claim.

Usually offered as an add on and at around £25 it is a bargain. Without it you stand little chance of recovering uninsured losses like the excess, hire car etc etc in the event of a claim.

What is your question about "legal cover" ?

Naval aviation in art.

What is the question?