Why legal expenses insurance for students?
As a student, you are going to live in a room. You enjoy staying in your room in the city. Unfortunately, you get into an argument with your landlord. He refuses to carry out certain repairs. He even threatens to evict you if you say anything to anyone about this.
What should you do now? Can he really evict you just like that? Or can you get your landlord to do the repairs? In order to get answers to your questions, you need a lawyer. He will find out for you in detail to what extent you can pursue your rights.
As a student, you do not have the financial means to pay the hourly wages of a lawyer. In order to give you the legal assistance you need, there is a legal assistance insurance.
But how does this work? And what exactly will you get reimbursed? In this informative blog, Alpina explains it all for you.
Your legal aid on standby with legal expenses insurance?
With a legal assistance insurance you are covered for the costs you incur in hiring a lawyer or jurist. Almost every insurer has contracted a number of lawyers. When you take out a legal assistance insurance these lawyers are at your disposal.
The insurer will put you in contact with a lawyer or attorney. Depending on which one is necessary in the first instance. Often you will first have to deal with a lawyer. When he or she is unable to resolve your dispute, you will be referred to a lawyer. The lawyer will then handle your case and, in some cases, will also assist you in legal proceedings.
Thereby you are covered for a certain amount of legal assistance. For example, you may be covered for up to EUR 10,000 in legal aid. If you think you have exceeded this, you can take out additional insurance or pay the remaining costs yourself.
The premium for legal aid is usually not high. For only a few euros a month you can have all your legal assistance on standby. A year's premium is about the hourly wage of a lawyer and often even less. For this reason alone, legal expenses insurance is certainly worth considering.
What is covered and what is not?
Disputes between two parties are usually covered by legal assistance insurance. Do you have a dispute with your landlord? Then this will be covered by your insurer. Or a conflict with your neighbours? This is also covered by the legal assistance insurance.
What is not reimbursed by the legal expenses insurance are legal proceedings that have arisen because you have committed a criminal offence. In some cases it is possible, if you are found innocent, to have certain legal costs reimbursed by the insurer afterwards.
Get your legal expenses insurance through Alpina: simple and affordable
Are you considering legal expenses insurance as a student? Then take it out now through Alpina! Thanks to our different modules, you will always find the right insurance for you. Do you still have doubts or questions about our legal assistance insurance for students? Feel free to contact our customer service. They are ready to answer all your questions.
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