Legal Aid Insurance in Germany – A Guide for Expats

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Legal Aid Insurance

Legal conflicts have become a normal part of our daily living. With people threatening to sue over every minor inconvenience, instead of talking it out, you probably feel like you need to be on your toes at all times. Luckily, legal insurance, Germany, allows you to take a deep breath and relax. If any trouble does come your way, this form of insurance will be your protector against high court fees and expensive lawyers.

Let’s learn more about legal aid insurance in Germany and how it works

Types of Legal Aid Insurance

Private Legal Insurance

When you purchase private legal insurance, Germany, you receive coverage for most issues regarding private contracts, legal indemnity protection, and even disagreements with administrative personalities. It includes:

  • Private purchase contract – receiving defective products in an online purchase or having a dispute with any handyman.
  • Disputes with Authorities – any legal disagreements over fines, tax assessments, etc.
  • Criminal Law Protection – in case you’re accused of a negligent offense.
  • Internet Protection – incidents like stolen credit card details and non-consensual publishing of your personal pictures.

Professional Legal Insurance

The second type of legal aid insurance you can get is professional legal insurance. This manages any disagreements or conflicts with your employer or any other authoritative figure in the workplace.

Professional legal insurance is one of the most important things for expats to invest in. It will protect you in case of sudden layoffs, salary cuts, refusal to send reference letters, or even not letting you claim your vacation days.

Traffic Legal Insurance

No matter how good a driver you are, roadside accidents happen. You might be able to control your driving to perfection, but you have no say over how others drive! What if another car hits you and the driver claims you reserved into his car? Perhaps the other party’s liability insurance refuses to cover the costs of your vehicle.

In either case, traffic legal insurance steps up to ensure you get justice after a road accident. It manages any disputes relating to traffic, driving, or even buying and selling of vehicles. It will ensure you get a good price for a new vehicle while also helping you make warranty claims, fair agreements with car dealers, and repair work.

Renters/Home Legal Insurance

Finally, we have the renters’ legal insurance, Germany.

Just as the name suggests, this type of insurance comes to play if you have any disputes with your landlord, conflicts with your neighbors, or other similar issues.

Home legal insurance will save you from any needless drama with the neighbors. They won’t be able to take you to court for minor issues like trimming a tree or mowing the lawn at a particular time of the day (yes, these incidents happen!)

On the other hand, some landlords can be absolutely nasty, and you need legal insurance in case things escalate to the courtroom. You could have disputes with your landlord regarding utility costs, refusal to pay back your deposit, or even a sudden increase in the rent. If they refuse to listen and address your concerns, you can take them to court.

How to Get Legal Insurance as an Expat

The easiest way to find the best legal insurance, Germany is by utilizing the services of an expert insurance solutions organization like MW Expat. Our team of insurance experts is dedicated to finding you the most practical legal aid insurance with the maximum possible coverage within your budget.

There are legal conflicts all around us, and the only way to be sure you won’t be slapped with exorbitantly high court and lawyer fees is by having legal expenses insurance, Germany. It will help you navigate unfamiliar rules and regulations and not end up with an empty wallet because you unintentionally disregarded the law.

Who is Eligible for Free Legal Aid, Germany

The main criteria tested to gain free legal aid in Germany are whether you are deemed eligible by the country’s Civil Procedure Code. They require the following points to be met:

  • Anybody who doesn’t have sufficient funds to pay court costs. People who can only pay court costs in part or through monthly installments are also eligible for legal aid in Germany. This aid includes support for any legal advice needed (Beratungshilfe) and general court expenses (Prozesskostenhilfe).
  • People who have no assets and their monthly income is less than €20. These residents will be completely exempt from paying any court fee or covering the cost of their lawyer.

It is important to note that you don’t need to be a German national to avail legal aid in Germany. Even non-German residents can benefit from their aid as long as they meet the eligibility criteria set by the Civil Procedure Court.