This section contains the questions most frequently asked about legal insurance and Juripro coverage.
Differences between the two products are described below:
Legal insurance products like Juripro are primarily designed to cover legal fees and costs needed to defend individuals in everyday disputes. Legal insurance provides you with financial assistance so you can retain an attorney to advise you, take legal action, and, if necessary, represent you in court. Although by extension legal insurance also includes a telephone legal assistance component, it is still insurance coverage with all that entails, including compensation. It is offered at a minimal cost as a supplement to your home, business, or farm insurance policy.
Telephone legal assistance services give you access to legal advice from an attorney in most fields of law over the phone. It usually includes an unlimited number of calls. Most often, this service is offered at no charge if you have an auto or home insurance policy with the insurer. It provides insureds with telephone legal assistance even if they haven’t taken out a legal insurance policy. Telephone assistance does not offer compensation; it only allows you to obtain legal information.
Absolutely. Before considering or initiating legal action, you must notify your insurer’s legal department right away—even before consulting a professional. The insurer needs information from you about the dispute to tell you what will be covered and to properly defend your interests. If you don’t get your insurer’s approval before consulting a professional, you could become personally liable for the costs.
Yes. Once you have notified the insurer of your plans, you are free to choose your own attorney. The insurer is not authorized to designate an attorney but can help you find an attorney practicing in your area. In any event, you will be responsible for negotiating the attorney’s fees directly.
Your Juripro legal insurance will cover the legal costs and fees billed by the professionals you have retained for covered disputes, according to a pre-set scale set out in the Table of maximum payable amounts (coverage table) . This table indicates the maximum eligible rate and the phase at which the legal action will end, subject to the coverage limit payable per event. This means your Juripro legal insurance may not cover all of your legal costs.
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In the event of a discrepancy between the information, terms and conditions, restrictions, and exclusions presented on this site and those contained in your insurance policy, the provisions of your insurance policy take precedence.