In Germany, legal insurance is controversial. It is difficult to immediately estimate the costs associated with litigation. However, one thing is clear: Lawyer insurance (Rechtsschutzversicherung) Helps reduce litigation costs.
Today we will look at the terms of Lawyer insurance and share tips on how and what you can save on when it is concluded.
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What is Rechtsschutzversicherung?
Rechtsschutzversicherung is a type of legal protection insurance that provides protection and legal assistance in the event of legal problems and conflicts. In the event of a conflict, the insurance company covers the costs of legal services and can also provide advice and assistance in resolving disputes.
Legal protection insurance works on a modular basis and consists of 4 blocks.
You can collect protection suitable for you in the following areas of life: personal life, work, transport, as well as housing and real estate. Before taking out insurance, it is important to carefully consider which areas are important to you and which modules cover them.
Who is insured?
Most often, protection extends to spouses, children living in the same household or while they are not working. If your parents live with you, then most likely they will also be insured.
Private legal protection - Privatrechtsschutz
The private module of lawyer insurance covers many areas of everyday life:
- Contracts – purchase and sale, travel and vacations, service and insurance contracts
- Compensation for damage - as a result of accidents and incidents
- Taxes – disputes with the tax office regarding the recognition of various items of expenditure
- Социальные – recognition of disability, diseases received at work
- Administrative – problems with government departments and authorities, including those related to the withdrawal of a driver’s license.
- Family disputesrelated to inheritance, adoption, alimony. By default, this module is excluded from most lawyer insurance rates, pay attention to this.
- Criminal law - applies to violations of traffic rules, administrative offenses and offenses due to negligence. Not every attorney's insurance pays if you are accused of intentional misconduct. This module can be enabled separately. Discuss, if necessary, this issue separately
There are perhaps only two more important insurances than Privatrechtsschutz - this Privathaftplicht и Disability Insurance. In the event of a conflict situation with damage to third parties, the cost of lawyers may not be as high as the claim for damages itself. If you cannot work, the losses will be much higher than the possible costs of lawyers.
Work Dispute Module – Berufsrechtsschutz
Provides legal protection in the field of professional activity. It provides coverage for legal aid and court costs in the event of disputes or conflicts related to your professional activities. This may include disputes with clients, employers, colleagues or other parties related to your work. For example:
- Have problems with payroll
- You are not allowed to go on vacation or have been given a bad review by Zeugnis
- Assistance will also be provided for illegal dismissals and reprimands at the workplace.
- This module can only be purchased together with the Private Module in Lawyer's Insurance
- A separate module is required for the self-employed
Housing protection module - Wohnungsrechtsschutz
Provides protection and legal assistance in case of conflicts related to residential premises. This type of insurance can cover a variety of situations, such as disputes with the landlord, problems with neighbors, issues of repair and maintenance of the dwelling, and other legal problems related to real estate. For example:
- In case of conflicts related to an increase in rent or inflated Nebenkostenabrechnung
- Illegal evictions and problems with the return of the quotation (deposit for the apartment)
- She will come to the rescue and in disputes with neighbors
- This module can only be purchased together with the Private Module in Lawyer's Insurance
Traffic protection module - Verkehrsrechtsschutz
Provides protection and legal assistance in case of conflicts related to traffic. This type of insurance can cover a variety of situations, such as car accidents, disputes with auto insurance companies, issues related to fines and traffic violations, and other legal issues related to participation in road traffic.
This module is useful for those who spend a lot of time behind the wheel and the likelihood of any conflict situation is quite high.
- It will help not only drivers, but also cyclists and pedestrians, in disputes related to accidents on the road
- All questions related to the withdrawal of a driver's license are also included.
- Penalties for incorrect parking - not included in most rates.
Easily and quickly calculate the cost of insurance depending on the selected services at Deurag.
5 most common categories of damage
Contracts
Sales and purchases, leases, canceled or inappropriate to the description of the trip
19%
Auto
Fines, issues of withdrawal of rights, settlement of the results of road accidents
16%
Work
Unlawful dismissals, warnings, reprimands and incorrectly issued Zeugnis
11%
Settlement of losses
Compensation for damage caused to a third party. Damage from an accident, dog bites. Medical error results
10%
Housing issues
Various disputes with neighbors. Increase in rent, incorrect recalculation of Nebenkosten
8%
Source: Roland Versicherungen
Legal protection insurance in practice
Examples of legal issues included in Roland's legal defense modules.
Protection of rights to compensation for damages (Schadensersatz-Rechtsschutz)
• Recovery of compensation for non-pecuniary damage after an accident if you were a pedestrian, or, for example, if your property was damaged.
• Recovery of compensation for non-pecuniary damage after an accident at work.
• Recovery of compensation for non-pecuniary damage after a traffic accident, including damage to the vehicle.
Protection of rights in labor relations (Arbeits-Rechtsschutz)
• The need to file a claim for protection from dismissal
• Insurance coverage in connection with the termination of the employment contract; reimbursement of expenses up to 1 € per year
• Disputes over overtime, wages and transfers to another job
Legal protection of housing and land property (Wohnungs- und Grundstücks-Rechtsschutz)
• Disputes over lease agreements, utility bills
• Disputes with neighbors due to noise or, for example, disputes over the boundary of the plot
• Disputes with utility companies over reimbursement of fees for inputting electricity from own private installations for clean energy production
Protection in contract and property law (Rechtsschutz im Vertrags- und Sachenrecht)
• Complaint after the purchase of furniture, disputes due to improper execution of the order by the craftsmen
• Disputes about custom furniture
• Disputes arising from personal insurance contracts of individual entrepreneurs
• Complaint after car repair
• Disputes from sales and leasing contracts
Tax legal protection (Steuer-Rechtsschutz)
• The IRS does not recognize advertising costs
• Retirement contributions from entrepreneurial activities are not taken into account when reducing taxes
• Erroneous calculation of car tax by the tax service
• Erroneous collection of property tax
• Insurance protection also in out-of-court procedure for contesting a decision
Social legal protection (Sozial-Rechtsschutz)
• Recognition of disability after an accident
• Registration of a disability pension through an insurance association
• Recognition of an accident at work through an insurance association
• Insurance protection also in out-of-court procedure for contesting a decision
Administrative legal protection (Verwaltungs-Rechtsschutz)
• Disputes about the place in the kindergarten
• Mandatory use of a muzzle for dogs
• Refusal to issue a driver's license
• Insurance protection also in out-of-court procedure for contesting a decision
Disciplinary and professional defense (Disziplinar- und Standes-Rechtsschutz)
• Defense on charges that give rise to disciplinary proceedings
• Protection for misconduct
• Defense in a disciplinary process related to violation of traffic rules
Criminal Law Protection (Straf-Rechtsschutz)
• In private law: active criminal defense on criminal charges, for example in the case of identity fraud
• Accusation of negligently causing bodily harm to one of the players in the sport
• Accusation of reckless infliction of bodily harm in a traffic accident
What is not included in the insurance coverage of the lawyer's insurance in Germany by default
- Construction and mortgage disputes. Construction contracts.
- Intentional criminal offences.
- Investments and gambling.
- Commercial activity of sole traders, Selbständiger.
- Family disputes, marriage-divorce proceedings.
What will the cost of a lawsuit in Germany (EUR)
Damage amount
Legal costs
Ripped off vacation
2 700
1 745
Non-payment of wages
8 500
2 400
Eviction from housing
5 868
2 947
Dismissal and incorrect reviews
17 012
3 295
Reduced rent due to mold
10 269
4 933
Acquisition of a faulty car
37 000
8 310
Comparison of attorney insurance offers
We present to your attention offers from three leaders in the Rechtsschutz market - Roland, Arag и Allianz. Each of these companies stands out with its unique features, offering clients not only a wide range of insurance products, but also a high level of service.
Flexibility and adaptability
The ability to individually customize the tariff and adapt insurance coverage to the specific needs of the client, which helps to avoid unnecessary costs.
Unlimited amount of coverage
The company provides an unlimited amount of coverage, which provides maximum financial protection in the event of an insured event.
Leader in Insurance
Allianz is one of the leading leaders in the global insurance industry, with a high level of expertise and long-term experience.
Tariff: Comfort
Tariff: Comfort Privat
Tariff: Comfort
- 150€ /0€ when contacting the insurance company and 150€ directly to a lawyer
- 150€ /0€ when contacting the insurance company and 150€ directly to a lawyer
- 150€ / 0€
- 37,31€ / 44,77€
- 39,12€ /46,90€
- 35,78€ /66,49€
- unlimited, abroad up to 400.000 €
- not limited
- 5 million €, abroad up to 500.000 €
- up to 200.000 €
- Europe: unlimited, abroad: 500.000 €
- up to 500.000 €
- 3 month
- No waiting time
- 3 month
- No waiting time
- 3 month
- No waiting time
- Consultations
Questions regarding bankruptcy or private insolvency proceedings
- Up to 500 €
Questions regarding bankruptcy or private insolvency proceedings
- consultations up to 250 €, option: representation in court, including divorce - waiting time 3 years
- Up to €250 per calendar year per will
- Up to 500 € per year
- included in the Premium package
- Up to 500 € per calendar year
- Consultation once a year
- Costs are covered up to €3.000 per mediation, maximum €6.000 per year
- Services and support
- Maximum 250 € per consultation, and in some European countries and the USA, maximum 500 € per year
- Verification of contracts and employment certificates - up to €100 per contract, maximum €1 per year
- in case of illness or accident
- Up to 1000 € after three years without insurance claims
- Up to 500 € after five years without insurance claims
Leader in Insurance
Allianz is one of the leading leaders in the global insurance industry, with a high level of expertise and long-term experience.
Tariff: Comfort
- 150€ / 0€
- 35,78€ /66,49€
- 5 million €, abroad up to 500.000 €
- up to 500.000 €
- 3 month
- No waiting time
- Consultations
- included in the Premium package
- Consultation once a year
- Services and support
*Comparison with Privat-Rechtsschutz, Berufs-Rechtsschutz, Verkehrs-Rechtsschutz, Immobilien-Rechtsschutz support for 1 year with a family package for an employee for 30 years.
Our advice
- As an alternative to the Wohnungrechtsschutz module, membership in the Mieterverein can be considered. Most often, it is much cheaper and assistance is valid from the first day. There is no standard Wartezeit 3 months.
- Consider offers from companies that deal only with lawyer insurance. There aren't many of them. Many universal insurance companies offer under their brand a product of one of the specialized companies. And as a result, you can compare one tariff of lawyer insurance, but under the signs of different companies.
- If someone makes a claim for damages against you, your private liability insurance Privathaftpflichtversicherung will probably take care of their reflection or settlement.
- Most lawyer insurance rates include a "legal telephone consultation" service. During a phone consultation, you may receive an answer for a module that is not covered by your coverage.
Easily and quickly calculate the cost of insurance depending on the selected services at DEUERAG.
Fill out a simple form and we will promptly send you a suitable offer
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