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.

Fill out a simple form and we will promptly send you a suitable offer

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.

Privaterechtsschutz - private insurance protection

Berufsrechtsschutz - disputes with the employer

Verkehrsrechtsschutz - traffic disputes and situations

Wohnungsrechtsschutz - disputes with tenant and neighbors

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:

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:

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:

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.

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.

Private
Job
Traffic

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.

Job

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

Apartment

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

Private
Traffic

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

Private
Job
Traffic
Apartment

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

Private
Job
Traffic

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

Private
Traffic

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

Private
Job
Traffic

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

Private
Traffic

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

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.

Allianz logo

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

Franchise
Franchise
Franchise
Price*
Price*
Price*
Sum insured
Sum insured
Sum insured
Surety
Surety
Surety
Standard waiting time
in traffic law
Standard waiting time
in traffic law
Standard waiting time
in traffic law

Questions regarding bankruptcy or private insolvency proceedings

Questions regarding bankruptcy or private insolvency proceedings

Questions regarding bankruptcy or private insolvency proceedings
Consultations on family law, civil marriage and inheritance law
Consultations on family law, civil marriage and inheritance law
Consultations on bankruptcy or private insolvency procedures
Consulting on wills
Consulting on wills
Consulting on wills
Consultations on issues of copyright infringement on the Internet
Consultations on issues of copyright infringement on the Internet
Consultations on issues of copyright infringement on the Internet
Mediation procedure
Mediation procedure
Mediation procedure
Legal advice by phone
Legal advice by phone
Legal advice by phone
Legal consultation online
Legal consultation online
Legal consultation online
Legal review of contracts
Legal review of contracts
Legal review of contracts
Samples of contracts and documents
Samples of contracts and documents
Samples of contracts and documents
Mobile legal consultation
Mobile legal consultation
Mobile legal consultation
Loyalty bonus: additional legal advice
Loyalty bonus: additional legal advice
Loyalty bonus: additional legal advice
Allianz logo

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

Franchise
Price*
Sum insured
Surety
Standard waiting time
in traffic law
Questions regarding bankruptcy or private insolvency proceedings
Consultations on bankruptcy or private insolvency procedures
Consulting on wills
Consultations on issues of copyright infringement on the Internet
Mediation procedure
Legal advice by phone
Legal consultation online
Legal review of contracts
Samples of contracts and documents
Mobile legal consultation
Loyalty bonus: additional legal advice

*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

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

Still have questions? Write to us at e-mail or Telegram and we will answer them in detail.

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