Often sold as an optional extra to your car insurance policy, motor legal expenses cover can pay for certain legal costs you may incur when you have an accident.
But what exactly does it cover, and do you really need it?
It insures you against the possible legal costs of making a claim for uninsured losses following an accident. Uninsured losses are the expenses you might incur that aren't covered by your standard car insurance.
These are things like:
LV= provides motor legal expenses of up to £100,000 and access to a free legal advice helpline 24/7. This can help you with things like defending a motoring prosecution following an accident.
Motor legal expenses insurance will not cover you if you're to blame for the accident. It will only pay out for legal costs associated with an accident that wasn't your fault.
It won't pay for any compensation awarded to someone claiming against you. Depending on the type of car insurance policy you have, this may be covered by your standard car insurance.
It won't pay for fines you have to pay for motoring offences. And check the terms of your policy as not all insurers will cover you if you were drink driving, under the influence of drugs, dishonest about the accident or violent.
LV= will also only accept your claim for legal expenses if there is more than a 50 per cent chance of being successful. So, if it's unclear who's to blame for the accident, you may not be able to claim for your legal expenses.
Motor legal expenses insurance provides peace of mind that you won't need to pay solicitors' fees up front if you need to make a claim.
Plus, access to a legal helpline means you can get advice about a range of private legal matters at any time without needing to make an appointment with a solicitor.
Already an LV= car insurance customer? To add motor legal insurance to your policy, call us on 0800 756 8140.