Do I need to have legal insurance?
Although legal insurance isn't a compulsory requirement in Switzerland, it's highly recommended for virtually everyone. Given the potentially steep costs arising from legal disputes - including attorney fees, court costs, and other related expenses - having legal insurance can provide a substantial financial safety net. So, whether you're an individual, a homeowner, a renter, or a business owner, legal insurance is a prudent investment in your financial protection.
What does private legal protection cover?
Private legal protection insurance in Switzerland offers broad coverage against high costs of legal disputes across various areas of law:
Employment law: When it comes to legal disputes between employers and employees, private legal protection insurance proves invaluable. It can help cover costs for lawyers and court proceedings in situations such as wrongful dismissal, discrimination, or bullying at the workplace.
Rental law: Landlord-tenant disputes are quite common and can lead to significant legal expenses. Private legal protection insurance will protect you in cases such as termination, rent review, or defects in the rental property.
Criminal law: Criminal law pertains to legal disputes between the state and the individual accused in criminal cases. Private legal expense insurance can assist in offsetting the costs for legal representation and court expenses in situations involving felonies, traffic offenses, or misdemeanours.
Property law: Disputes involving real estate, land, or other assets can be stressful and expensive. Private legal expense insurance is designed to help defray the costs of litigation in property disputes or claims for damages.
Patient rights: Legal disputes between patients and medical facilities can arise due to issues like medical malpractice, incorrect diagnosis, or inadequate risk explanation.
Law of damages: Disputes involving claims for damages can be daunting. Private legal protection insurance provides valuable assistance by helping to cover costs of legal proceedings in the event of accidents, claims for damages, or actions for compensation.
Divorce and inheritance law: When managing an estate, private legal insurance can play a vital role in managing legal conflicts that arise both during a divorce and in the aftermath of a death. In the case of divorce law, the insurance offers financial support, covering the costs of legal counsel in cases related to divorce, alimony, or property division. In the realm of inheritance law, the insurance is a helpful aid in settling disputes over the transfer of assets from deceased individuals to their heirs, which often require extensive legal expertise.
Internet law: The digital age presents unique legal challenges. Internet law covers disputes that may arise from the use of the internet, such as copyright infringement, defamation, or unauthorized use of personal information. Private legal protection insurance can help manage the costs of such litigation.
Travel law: Travel-related disputes, such as flight delays, missed connecting flights or travel defects can be covered by private legal protection insurance, providing you peace of mind during your journeys.
Neighbor disputes: Arguements between neighbours, like noise pollution, property lines, or damage claims, can escalate into legal battles, in which legal insurance will keep you covered.
Animal rights: This field pertains to legal cases involving pets. Private legal insurance can be an asset in managing litigation costs in scenarios related to liability issues, incidents of animal bites, or other pet-related legal disputes.
Why is traffic legal protection necessary?
Traffic legal protection insurance provides critical coverage for all road users such as car, motorcycle, or bicycle riders. This insurance provides financial support in case of legal disputes related to road traffic.
Vehicle ownership: In situations where ownership disputes arise concerning a vehicle, traffic legal protection insurance can be advantageous. It aids in offsetting costs of legal proceedings in cases such as theft, vandalism, or other damages to the vehicle.
Vehicle removal law: If your vehicle gets impounded or seized due to legal complications, traffic legal protection insurance can be crucial. It can help cover the costs related to defending against a vehicle seizure or the process of vehicle restitution.
Victim assistance law: Under Swiss law, victims of traffic accidents are entitled to certain forms of assistance. Traffic legal protection insurance can be instrumental in covering the costs of pursuing claims for damages, pain and suffering, satisfaction, or other forms of compensation.
Compensation law: After a traffic accident, traffic legal protection insurance can be beneficial in covering the costs of court proceedings related to damage claims. This includes instances where disputes with insurance companies arise when damages are not settled appropriately or at all.
How can I get legal insurance in Switzerland?
Choosing the right legal protection insurance can be a challenging task. Our team at insuris is ready to provide a personal consultation, guiding you through your options to find the best insurance provider for your needs. To contact us, click here.