With a legal expenses insurance policy, you can cover legal costs in disputes with the government. Discover what is and is not covered in Rijswijk.
What is covered under a legal expenses insurance policy?
A legal expenses insurance policy often provides coverage for:
- Fees of lawyers or attorneys
- Court fees
- Expenses for experts
- Sometimes the opponent's procedural costs
Administrative law coverage in policies
Many insurance policies include disputes in administrative law, such as:
- Objection procedures for refused permits
- Appeals against imposed fines or penalty payments
- Disputes over social benefits
- Proceedings regarding planning damage
What is not covered?
Be aware of exclusions in policies, such as:
| Exclusion | Explanation |
|---|---|
| Construction disputes | Problems with own construction projects |
| Business matters | In a private policy |
| Existing disputes | Matters that already existed before the insurance |
| Hopeless cases | Insurer may refuse coverage if there is little chance of success |
Freedom of choice of lawyer
You may choose your own lawyer (freedom of choice of lawyer), but:
- This applies only to court proceedings
- Reimbursement is often limited to a maximum amount
- In objection procedures, the insurer may assign its own lawyer
No insurance in Rijswijk?
If you do not have legal expenses insurance, you can seek help from:
- Juridisch Loket Rijswijk (free advice)
- Subsidised legal aid via a legal aid certificate
- Social welfare officers via the municipality of Rijswijk
Frequently asked questions about legal expenses insurance
Do I need to inform my insurer immediately?
Yes, report a dispute as soon as possible. The insurer determines whether it falls under the coverage.
What if my insurer finds the case not viable?
You can request a second opinion or make use of the dispute resolution scheme in your policy.
Is appeal on a point of law also covered?
Often yes, but check your policy conditions for any additional requirements.