LEGAL PROTECTION
INSURANCE
The Legal Protection Insurance guarantee that the insured can claim their rights in situations to be the author of the legal claims against those who have harmed or, in some cases, also be the defended of the charges. Therefore, it is a different product and it can be complementary to the Civil Liability. It guarantees the reimbursement or payments of legal expenses such as court fees, expert fees and legal fees that the insured has to afford when participating in a civil or criminal proceeding. This product fulfills an important social role by enabling the equalization of broad access to justice for people or companies from different income classes.
Our Legal Protection Insurance product can be used out for four different lines:
Automobiles
It covers the legal expenses that the insured has to pay in connection with the use and possession of their vehicle. Both the insured person and the owner, lessee or driver of the vehicle, and also as a pedestrian or passenger will be covered.
Some of the possible coverage situations are:
Criminal
It covers legal defense costs for crimes or misdemeanor contravention caused unintentionally in road accidents.
Insurance
Covers the insured's claim in legal proceedings against insurers who have not fulfilled their contractual obligations.
Vehicle Warranty
The insured can claim their rights for damages suffered in non-compliance with the warranty clauses of the vehicle that was purchased.
Bodily harm
Covers claims for bodily harm suffered in road accidents.
Materials damage
Covers claims for property damage caused to the car and personal belongings transported.
Services
Covers for vehicle repair or maintenance services at dealer or authorized workshops that have not been done or have been performed incorrectly.
Condominium
This product covers legal expenses that the condominium and its administrators have to pay as part of their condominium activity.
Some of the possible coverage situations are:
Bodily harm
Covers personal injury lawsuits suffered by administrators or employees while performing their work activities.
Materials damage
It covers the claim for material damage caused to the common parts of the condominium property and its annexes.
Services
Covers the claim made by the condominium for various services contracted and that were not performed or were made defectively.
Public services
The condominium can claim its rights for problems caused by public service concessionaires (energy, water/sewage, gas and others).
Property
It covers problems suffered or unintentionally caused. Problems with neighbors, with facilities services, repair services and others.
Insurance
It covers the condominium's claim in legal proceedings against insurance companies that have not fulfilled their contractual obligations.
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Business
The business product covers the legal expenses that the insured, whether a company and its partners and directors or a self-employed professional, have to pay in the course of their activity.
Some of the possible coverage situations are:
Bodily harm
Covers the claim for bodily injury suffered by the insured and their employees when performing their work activities.
Materials damage
It covers the claim for material damages caused to the company's assets suffered by the insured, including loss of profits resulting from such damages.
Fees
Covers the insured's claim in a legal proceeding, when he charges his professional fees for services done and not paid.
Services
It covers the claim for multiple services contracted and that were not performed or were performed defectively, including the loss of profits resulting from the failure of these services.
Criminal
It covers legal defense costs for crimes or contraventions caused by the insured and their employees unintentionally.
Buy and sell
The insured can complain about problems suffered by the purchase, sale, rent or deposit of items pertaining to their business activity, including the loss of profits derived from them.
Insurance
It covers the claim against insurance companies that have not fulfilled their contractual obligations regarding the assets of their business activity or their property.
Cyber Crimes
The insured can claim their rights in lawsuits for the unauthorized use of their private data.
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Family
This involve the family issues, that is, it covers legal expenses within the private life of their family unit, your partner and sons.
Some of the possible coverage situations are:
Bodily harm
It covers personal injury claims suffered by the insured and their family in their private life.
Materials damage
Covers claims for property damage caused to their personal property and also the physical damage caused to pets.
Public services
The insured can claim problems caused by public service concessionaires (energy, water/sewage, gas and others).
Immobile
Covers in a legal process for mutiple problems suffered by them, or even in their defense, always in relation to their residence.
Services
It covers claims made by the insured and his/her family for services contracted and which were not done or were done incorrectly.
Cyber crimes
Covers the claim, by the insured and their family, in lawsuits of moral damages suffered over the internet and problems with online purchases.
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