What is the "Third Party Liability Insurance Lawyer's Fee Compensation Supplement"?
Article 1 (Insurance Scope)
(Omitted)… During the validity period of this additional clause, if the insured is involved in a traffic accident due to ownership, use or management of the insured car, resulting in physical injury, death or property damage to a third party, due to involvement in (business) For criminal liability for negligent injury, (business) negligent serious injury, (business) negligence causing death, civil litigation or enforcement proceedings, and when you are subject to criminal prosecution or civil damages claims, our company can provide a list of qualified lawyers to submit to the lawsuit. The company shall be liable to the insured for the attorney fees incurred when the parties engage in appointed litigation matters or hire their own lawyers to defend the litigation, subject to the insurance amount agreed in this additional clause.
In an accident, if driving causes injury to a third party and requires legal assistance, attorney fees are often a considerable expense. In order to solve this problem, insurance companies began to provide "third-party liability insurance attorney's fee compensation rider", which is an additional insurance clause that can compensate for the attorney's fees that drivers need to pay during legal proceedings.
What is the "Third Party Liability Insurance Lawyer's Fee Compensation Supplement"?
Article 1 (Insurance Scope)
(Omitted)… During the validity period of this additional clause, if the insured is involved in a traffic accident due to ownership, use or management of the insured car, resulting in physical injury, death or property damage to a third party, due to involvement in (business) For criminal liability for negligent injury, (business) negligent serious injury, (business) negligence causing death, civil litigation or enforcement proceedings, and when you are subject to criminal prosecution or civil damages claims, our company can provide a list of qualified lawyers to submit to the lawsuit. The company shall be liable to the insured for the attorney fees incurred when the parties engage in appointed litigation matters or hire their own lawyers to defend the litigation, subject to the insurance amount agreed in this additional clause.
In an accident, if driving causes injury to a third party and requires legal assistance, attorney fees are often a considerable expense. In order to solve this problem, insurance companies began to provide "third-party liability insurance attorney's fee compensation rider", which is an additional insurance clause that can compensate for the attorney's fees that drivers need to pay during legal proceedings.
How realistic are the attorney fees likely to be incurred in a car accident case?
According to the lawyer's website, "If a lawyer is appointed to handle the entire trial-level lawsuit, the lawyer will quote a price based on the region and trial level of the case. The current trial and criminal investigation price is about 60,000 to 80,000 yuan. For example : Civil and criminal proceedings will receive 60,000 yuan after the first-instance judgment is completed. "Just appointing a lawyer to handle the legal proceedings may cost tens of thousands of yuan. This is another huge additional cost for ordinary drivers, so purchase insurance in advance." "Third-party liability insurance attorney's fee compensation rider" will become a wise choice.
"Third Party Liability Insurance Lawyer's Fee Compensation Supplement" Coverage
Article 3 (Limitations on the maximum amount of compensation)
The company's liability for compensation as agreed in the coverage of the insured during the insurance period of this rider shall be calculated from the date when the civil court notice or criminal summons is served. The maximum accumulated compensation amount shall be calculated from the date of service of the civil court notice or criminal summons. The "insurance amount" stated in the terms is limited to... (omitted)
When a driver encounters an accident during the insurance period and is required to face legal proceedings as a result, the insurance company will compensate the driver for the relevant expenses. What you need to pay special attention to is that the terms have a very clear time point, which must be after the date of delivery of the "Civil Court Notice" or "Criminal Summons". After that, the related expenses for lawyer services will be covered by the insurance company's claims. scope.
According to the lawyer's website, "You can ask the lawyer to issue a detailed bill for your work while consulting, writing petitions, appearing in court, etc., clearly listing what the lawyer handled for you at each time period." And in the claims application documents issued, A detailed list of attorney-related expenses is a valid document.
Article 5 (Documents should be attached when settling a claim)
The insured should submit the following documents when applying for a claim:
1. Claim application form (provided by our company).
2. Civil or criminal indictments, relevant litigation documents or other legal documents.
3. A copy of the lawyer’s letter of appointment, original receipt for lawyer’s fees and detailed list of related expenses.
Therefore, as long as you negotiate with the lawyer about the required services and the corresponding amount of the service, and finally write it down completely in the work details issued by the lawyer, and apply for a claim together with this document together with other documents, in theory, the expenses incurred for the services provided by the lawyer will be All insurance will be paid, which will greatly reduce the financial burden of driving.