You may have to pay more for repairs if your vehicle is damaged in an accident. You should also consider other costs such as phone calls to handle claims or the financial impact of being absent from work for any reason. These miscellaneous costs are not covered by motor legal coverage.
What’s the benefit?
Recovery of costs, including but not limited to:
- Vehicle recovery and repair
- Personal injury
- Hire vehicle (often unlimited)
- Earnings loss
- Excessive policy
- Medical bills
- Legal costs
Does motor legal protection constitute a legal requirement?
Although drivers aren’t legally required to have legal coverage, many drivers don’t have it. It can be very beneficial to invest in motor legal coverage to protect yourself from any motor-related events.
The following scenario is possible:
Mrs. Davies pulls her car over at a series of traffic lights. She is hit by a car that is going too fast and it crashes into her back. The car’s rear is severely damaged, and Mrs. Davies is seriously injured. The other driver of the car is Mr. Barnes. His insurance will cover the car damage, but Mrs. Davies will have to pay many additional expenses. She will have to pay for car-towing fees, hire cars until her car is fixed, and a significant policy excess. She has to visit the doctor because of her injuries. Because she is self-employed, it means that she loses half of her daily earnings. Mrs. Davies does not have motor legal protection. She is unsure if she can claim these expenses back and she is scared by the prospect that she will have to chase up her claims.
In the above scenario Mrs. Davies would feel reassured knowing that motor legal protection would have pursued her claims on her behalf and that her uninsured expenses and losses would have been reimbursed hassle-free.
What makes people decide not to purchase motor legal protection?
According to market research, motor protection is not popular because it is expensive or too costly. This is somewhat paradoxical given the amount that is usually paid by the other party to an accident. Some motor protection policies can be quite expensive due to high-commission. If you’re willing to shop around, you can find very competitive, high-quality, and low-cost options on the market.
What happens if you don’t have motor legal coverage?
Uninsured losses can be claimed by anyone. However, this takes a lot of work. Each aspect of your claim would be handled by you, and while it is possible, it will require patience, persistence, and a lot of effort. It is much easier to get back to where you were before the accident. As a driver, it will make your life much easier and provide you with the assurance that your uninsured losses can be recovered in an accident that is not your fault.
Does your insurance cover legal expenses?
They might try! They may try! You are not required to accept their offer. You’ll likely find that motor legal protection coverage is more affordable if you buy it elsewhere. Most insurance companies charge a premium for adding it to your existing insurance.
