There are often a number of optional extras available when you arrange car insurance with one of those being legal expenses cover. So, is it worth taking out such cover?
Legal expenses cover can pay out should you be involved in a road traffic accident that is not your fault and have to pay for various things that are not covered by your standard policy i.e. uninsured losses. For instance, you may have had to take time off work as a result of being injured in a road traffic accident and suffered a loss in earnings. If you were not at fault for an accident but had to pay an excess on your motor insurance policy then you may be able to claim back the excess amount through your legal expenses cover.
You may need to have medical treatment following a road traffic accident for which you have had to pay for. So, if you had legal expenses cover, you may be able to claim back the cost of such medical treatment that could be a significant sum.
Such cover could even reimburse you for reasonable travelling expenses to enable you to get to work having been injured in a road traffic accident. It could even cover the cost of hiring a car.
It is worth noting that a number of insurers will only consider a claim should there be more than a 50% chance of the claim being successful.
Such cover often provides you will access to a legal helpline 24/7 to answer any questions you may have on a variety of personal issues.
As with other types of insurance, legal expenses cover is designed to provide peace of mind in certain situations. Ultimately, it is up to the customer to decide if he or she considers the cost of obtaining such cover within their car insurance policy to be worthwhile.