Legal Insurance

for disputes with social insurance providers in social related legal affairs.

if you have to sue somebody else for compensation, due to personal injury, property damage and consequential financial loss.

Traffic related matters -
if you have a dispute with the Administrative authorities or courts related to traffic law.

Non-traffic related matters -
if you have to file a suite related to scenarios such as the allocation of a kindergarten slot or problems with public schools.

if you find yourself having to quarrel with the tax office over your expected tax payments or filed tax returns.

for legal disputes arising from obligations under private law, e.g. contracts or conflicts related to the ownership of movable property.

A cryptographic attack in which the attacker can gain access to cipher rates for plaintext of his choice.

Cyberspace is the virtual space of all data-level networked or net-workable Information Technology systems  worldwide. It is based on the internet as a publicly accessible connecting network, which can be extended by an arbitrary number of data networks.

Using a professional data backup, exact clones of existing data is created to protect such against data loss.

Data backup comprises all technical and organisational measures to ensure the availability, integrity and consistency of the systems, as well as the data stored on these systems used for processing data, programs and procedures.

An artificially induced overload of a web server or data network that is often controlled by cyber criminals. As opposed to a simple Denial of Service attack, Distributed Denial of Service Attacks ("DDoS") have a by far more immense force to them - multiple computers, so-called "botnets", attack a website or an entire network infrastructure simultaneously and in combination! This can very quickly lead to server failure,

A process in which electronic data is made readable or processable again, using mathematical algorithms and private/ secret keys.
In encrypted form, the data cannot be read by an unauthorised third party and can only be restored to its original form by the owner of the associated private or secret key.

"Spoofing" is called in the information technology different attempts to deceive in order to conceal one's own identity and to Falsifying transmitted data. The aim is to ensure the integrity and to undermine the authenticity of information processing.

Secret keys are used in the context of symmetric cryptoalgorithms. Contrary to the private keys used in asymmetric cryptoalgorithms, the entire key data is known to all communications peers.

Spyware" is the term used to describe programs that secretly, i.e. without information about a user or the use of the service, and to provide of a computer and forward it to the author of the spyware. Spyware is often considered a nuisance, but it should not be overlooked, that spyware can also be used to obtain security-relevant information such as passwords can be researched.

Classical form of malware that spreads itself and can carry different levels of malicious potential (no malicious function up to the deletion of data on a hard disk). "Viruses" occur in combination with a host, e.g. an infected document or program.

Common legal protection plans cover the costs up to the general insured sum. Latter depends on the plan chosen and varies from as low as 100,000€ through to no limitation.
Insurable legal expenses are those of:

• Court, incl.
  • Appraiser's honoraria
  • Interpreter/ translator
  • Witness
• Lawyer
• Mediation proceedings
• Opposing party costs, insofar that the insured-person must bear them

On a standard policy the following aspects are covered under the 'Private' module:
 

• Administration
• Compensation for damages
• Contract & Property
• Consultation (solely) for
  • Family
  • Inheritance
  • Partnership
• Criminal Offences and Misdemeanour
• Inheritance
• Misdemeanour and Criminal Acts
• Social
• Tax
   
• Conflict solving by mediation
• Patient and Custody Decree counselling
• Victim and anti-stalking

In Germany the job-related legal module can only be purchased alongside private legal insurance and covers the following two aspects of our working lives.

External affairs:
The so-called 'Professional Rights Legal Protection' component (German: Berufsrechtsschutz) is the corner stone of job legal insurance and is often used for scenarios such as:

• Disputes with the statutory pension insurance institute
• Disputes with the Job Centre, e.g. because of miscalculated benefits

Internal affairs:
Disagreements between the employee and employer in conjunction with contractual agreements. This component is the called 'Labour Law Legal Protection' (German: Arbeitsrechtsschutz) and is a subcomponent of the 'Professional Rights Legal Protection' module.
Some of the scenarios it covers:

• Unjustified warning notices or a termination of employment
• Transfers to a different position with less pay
• Wage-, holiday- or overtime issues
• Maternity leave & parental leave matters

Professional Rights Legal insurance is what we often see companies offer, promoting cheap rates, yet tend to “forget” to mention that Labour Law Legal protection is not included and if, with curtailments that can only be spotted by reading the small print.

For the traffic legal insurer it is usually irrelevant if the incident occurred on the way to work, during a business trip or whilst on vacation.
Even conflicts in connection with a vehicle purchase or repair are insured.

The policy holder and family members are covered in their capacity as,

• Owner of a motor vehicle, or trailer registered in their name
• Operator of any motor vehicle, or trailer
• Cyclist
• Pedestrian

Insurance cover also extends to all persons in their capacity as authorised drivers, or authorised passengers in motor vehicles.

• Administrative legal protection in traffic matters
• Compensatory damages
• Contract and property law
• Criminal legal protection
• Disciplinary and professional ethics
• Regulatory offence
• Social-security-tribunal
• Tax matters before courts

• Legal advice and representation
• Mediation/ Arbitration
• Court case, regardless of outcome
• Expenses for witnesses
• Expert / Assessor
• Security deposit

Often the circumstances of an incident are not clear-cut so that a court must decide who is at fault and therefore responsible to bears the costs.

With traffic legal insurance at your side you will not only need to worry about such costs, but will also be able to enforce demands such as:

• Financial compensation for
  • Pain & Suffering
  • Property damage
  • Loss of Income
• Fault resp. liability clarification
• Warding off false accusations

• Legal counselling per telephone
  Nowadays all good value for money products include cost-free telephone legal consultations with attorneys who advise on legal matters and even situations before they turn into a legal dispute. This additional service has many names - JuraTel, Jurcall, JuraFon, etc. - and is an excellent approach to avoid having to pay the agreed excess per claim when consulting a lawyer face-to-face even just for an initial consultation. Should you not know, an initial fee starts at 190€ for private and 360€ for commercial matters!
  
  However, as good as this may sound one must pay attention to detail because insurers will draw consequences of the expenses a client generates from using such a service, meaning costs are cross-linked to polices in the background. Thus, to avoid nasty surprises such as legal cover being cancelled after a claim has been settled (or not) or the policy simply not being renewed, it is ever so more important to understand how the legal insurer has implemented their telephone legal consultation service. To keep it simple: Better insurers do not use external lawyers and knowing that these provide a minimum of 40,000 telephone consultations per year, the importance of in-house legal support becomes even more logical.

Whether the right insurance product has been purchased the customer will only ever know when having to file a claim. As with any insurance product, foremost 'quality' must predominate 'price' and therefore having a trustworthy broker to find a perfect balance is incontestable the smartest approach. Yet we agree, checking can never harm and doing so by using "Franke & Bornberg" ratings will put your mind at rest to have purchased the right insurance, or initiate a cancellation procedure with our help, if required.

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