With legal expenses insurance, you can have legal costs for disputes with the government reimbursed. Discover what falls under the coverage and what does not.
What falls under the coverage of legal expenses insurance?
Legal expenses insurance often provides reimbursement for:
- Costs for legal assistance by a lawyer or legal professional
- Court fees in legal proceedings
- Expenses for expert reports
- Sometimes the procedural costs of the opposing party
Administrative law matters in the policy
Many insurances cover disputes in administrative law, such as:
- Objection procedures for refused permits
- Appeals against imposed fines or coercive fines
- Disputes over social benefits
- Procedures regarding planning damage
What is not covered?
Be alert to exclusions in the policy conditions, such as:
| Exclusion | Explanation |
|---|---|
| Construction disputes | Conflicts over own construction activities |
| Business matters | In a personal policy |
| Existing conflicts | Cases that already existed before the insurance |
| Hopeless cases | Insurer may refuse support if there is little chance of success |
Freedom in choice of lawyer
You have the right to your own lawyer (free choice), but take into account:
- This applies only in court proceedings
- There is often a maximum reimbursement
- In objection procedures, the insurer may designate its own legal professional
No insurance taken out?
If you do not have legal expenses insurance, you can seek help from:
- Legal Desk Zoetermeer (free advice)
- Subsidised legal aid via a legal aid certificate
- Social welfare officers via the municipality of Zoetermeer
Frequently asked questions about legal expenses insurance
Is it necessary to inform the insurer first?
Yes, report the conflict immediately. The insurer determines whether the case falls under the coverage.
What if the insurer considers my case hopeless?
You can request a second opinion or make use of the dispute resolution in your policy.
Is appeal also reimbursed by my insurance?
In most cases yes, but consult your policy conditions for specific rules.