Legal expenses insurance has a history of 100 years.  The concept was born in 1911, when members of the Automobile Club de l`Ouest were offered several additional services, including protection in the event of fines or litigation before police courts. This basic legal protection was later extended to road accidents and led to the first legal protection insurance in France, offered by “La Défense Automobile et Sportive (DAS)”, founded in 1917. La Défense Automobile et Sportive (DAS) offered motorists and athletes legal services and reimbursement of legal costs.  ETA policies guarantee legal actions related to events that have already taken place. This insurance covers pre-existing litigation in which no proceedings have yet been initiated or no significant legal costs or expenses have been incurred. In the event of failure, ATE insurance protects the insured from the risk of having to bear their own costs and expenses. This type of coverage is generally only available for disputes with a high chance of success, where the insurer is likely to be able to recover its costs from the opposing party. It is available in Australia, Canada and the United Kingdom. In the United Kingdom, for example, lawyers dealing with personal injury cases “without profit or fee” may require their clients, whether defendants or plaintiffs, to take out ATE insurance to cover costs in the event of loss of the case. The payment of premiums, in particular in the case of a no-winnings, agreement may be deferred until the conclusion of the proceedings; Thus, in most cases, the premium itself is self-insured. This insurance is often offered by lawyers and claims management companies. The Legal Aid, Sentencing and Punishment of Offenders Act 2012  (which entered into force on 1 April 2013) introduced an important change regarding the possibility of recovering the premium: before the entry into force of the law, the policyholder could recover the premium paid from the losing party, while the premium now had to be paid by the customer from the damage received.
Legal Expenses Insurance (LPI), also known as Legal Expenses Insurance (LEI) or simply Legal Expenses Insurance, is a special line of insurance  that facilitates access to justice by providing legal advice and covering the legal costs of litigation, whether the case is brought by or against the policyholder. According to national law, legal expenses insurers may also represent the policyholder amicably or even before the courts. In South Africa, legal protection insurance is mainly sold directly to consumers without intermediaries. Legal protection insurers settle approximately eighty per cent of cases through in-house legal counsel. In the European Union, precise rules govern legal expenses insurance and explicitly specify how insurers must organise their activities and manage claims. These rules are set out in the Solvency II Directive (Articles 198 to 205) . Help cover the cost of a range of legal issues with a legal plan and access experienced lawyers to help you plan your estate and more. The amount of coverage depends on the type of contract and is specified in the insurance conditions. If the policy is sold as part of home, auto or travel insurance (i.e. supplemental insurance), it will only cover disputes closely related to the subject matter of the main cover (e.g.
domestic claims such as disputes with neighbours or motor vehicle disputes in the case of motor vehicle legal expenses insurance). If legal expenses insurance is taken out as an independent and autonomous insurance product (stand-alone coverage), the range of services, scope and scope of coverage are significantly broader. Sometimes legal protection insurance is offered as a benefit to members of a trade union or association. If you have a known legal need, use our online lawyer locator to choose from our network of over 400 leading lawyers across Texas. Call directly and let them know you`re a Texas Legal member If needed, we`ll arrange for one of our recommended do-it-yourselfers to come to your aid in making your home safe and secure. You`ll be covered up to £1,000 to help you repair power or main heating failures, as well as repairs to your roof, plumbing or drainage systems. Legal expenses insurance should not be confused with coverage, which is often included in liability insurance. The purpose of third-party liability coverage is to protect the policyholder against losses resulting from negligent acts or omissions resulting in damage to another person, his property or interests. Therefore, the main purpose of liability insurance is to protect others against the consequences of the policyholder`s fault. In other words, liability insurance reimburses the other party for damage caused by a negligent act of the insured.