Car Insurance Legal Expense Cover The Policy Essential
Below is a MRR and PLR article in category Finance -> subcategory Insurance.
Car Insurance Legal Expense Cover: An Essential Policy Addition
When purchasing car insurance online, you often hunt for the best deals. As you reach the final checkout, the decision to include Legal Expenses Cover might seem trivial. It's often overlooked and not a mandatory requirement, but it's definitely worth considering. Here's why:
Earlier this year, Jake, a freelance writer, was involved in a car accident. His cherished Golf Mark I was partially damaged, but it was Jake’s health and financial stability that were impacted. Thankfully, Jake had opted for Legal Expenses Cover with his insurance.
After the accident, Jake sustained a broken wrist and whiplash. Without Legal Expenses Cover, hiring a solicitor to pursue a compensation claim would have been costly. However, because he had the cover, Jake received compensation promptly. As a freelancer, time off work meant no earnings for Jake. However, his Legal Expenses Cover enabled him to claim for lost income, eliminating the financial stress.
This peace of mind only cost Jake an additional £2 a month?"a small price for such significant benefits.
While comprehensive car insurance protects your vehicle, Legal Expenses Cover ensures that you, the driver, are also protected. Imagine a typical scenario where, after an accident, your car spends two weeks in a repair shop. Without replacement car hire in your policy, you'd be stuck using public transport. Legal Expenses Cover can provide a hire car and compensation for inconvenience.
To make a claim, you simply provide the accident details, and the paperwork is handled for you. You might need to consult with a solicitor or appear in court, but all legal fees are covered.
The cost of this cover is minimal?"sometimes even included for free. For instance, Admiral includes it as standard. While some insurers charge a small fee, like More Than (£17.85) or Budget (£24), it's a modest investment compared to the potential legal costs arising from serious accidents, where compensation can run into millions.
So, the next time you purchase car insurance, ensure your policy includes Legal Expenses Cover. If it’s not standard, add it as an extra. The additional cost is negligible, but the benefits are invaluable if you ever need them.
You can find the original non-AI version of this article here: Car Insurance Legal Expense Cover The Policy Essential.
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