do I need legal cover on my insurance?

[TeX]

with all these no win no fee companies around these days, is it worth getting legal cover with my insurance?

[extreme3d]

Always take it out. It's much easier to get everything sorted by them than having to do it all yourself as otherwise the insurance company will hand the case over to you and that will involve a lot of ringing around with no weight behind your voice.

Also imagine if you were going around a roundabout and a car pulls out. You slam on the brakes, the front locks and down you go BEFORE you actually hit the car. The driver of that car could quite easily say that as you fell over before you hit them it can't have been their fault.

Thankfully this is easily overcome... by a lawyer who has no choice but to help you out.... so take out the legal!

[Itchy]

no win no fee is a lie, what happens is the opposing lawyer gives you a bill if you lose,

whichi can be quite substantial.


without legal protection as said a bazillion times before your insurance cocmpany will roll over and play dead on accidents that are not your fault though of course there are alternatives some people meantioned.
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Spain 2008France 2007Big one 2009 We all die. The goal isn't to live forever, the goal is to create something that will. In the end, your life will flash before your eyes. Make sure it is worth watching.

[Jackyboy]

[Davo]

I've taken legal cover this time around as it didn't change the price of the policy on my CB-1.

Do remember though you may be covered under your home insurance policy for legal representation, this was very useful when I had a cyclist jump a red light and put a nice big dent in my 2 week old car.

[Finglonga]

Absofuckinglutely take it out!!! I didnt on my £100 Fiesta because the insurance was going to be more than the car was worth a year with it.

Now some bitch hit us head on in january and the insurance company wont do anything on my behalf regarding personal claims, where as if I had took it out I would have legal reprasentation paid by them.

But its not all bad, you can take out Post accident insurance that will cover all your legal costs if you lose. Its more fiddly but has to be done if you need representation.

Il always take the cover in the future, its no fun learning the hard way!
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Andy Sez....
F.Y.Y.F.F.

[Ste]

[paulthewitt]

[FreshAL]

Yup.

Legal cover has been an absolute blessing after both my crashes.

Both would have been bloody complicated to sort out, it was great to have a lawer to do it all for me.

Well worth it.

[Dark]

Yep, have always had legal cover and it helped me out when i was a wee teenager after ploughing into the side of a Skoda Felicia on my RXS100.

I got £3000 for my injuries and that paid for my next bike as well as clearing my debts.

That must have been 12 years ago now, i've not needed it since, but you never know
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My Bikes in order:- Yamaha RXS100 / Suzuki X7 250 / Yamaha RD350LC / Kawasaki
KR1S 250 / Kawasaki ZXR750 H2 / Honda C50 / Kawasaki ZX7R P5 / Kawasaki ZX10R / Suzuki GSXR 400 / Honda CBR1100 Blackbird & Yamaha FZR 600

[queen of string]

I always take it as it seems good value to get things sorted quickly. I would however, employ a specialist if I felt it was warranted, for example in a large personal injury case.
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"Eat food, not edible, food-like items. Mostly plants."

[headlamp]

Definitely....my legal protection got me over £1,000 in uninsured losses when I was knocked off last year. The other insurance company 'challenged' my claim, based on her lies and my solicitor challenged, went to court on my behalf and as a result I have kept my no claims bonus and won the damages.
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Using a mobile phone while driving a car should be made a capital offence!

[NSR Mick]

[Clanger]

I wouldnt bother with it.
Always claim through Angel Direct, they are wicked and there is none of this no win no fee bollox, you pay one small fee to them (in 1998 it was £10) and they sort out everything else for you... when I won my case I got every single penny I was awarded in court.

Angel basically recover costs from the second parties insurance company for the court, the solicitor the barrister, everything.

They are superb for bikers. I'd recommend them without a doubt.
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Be who you are and say what you feel, because those who mind don't matter, and those who matter won't mind - Dr. Seuss

[G]

Forget what mag it was in, but there was a news article about how insurance companies often make more money from 'selling on' legal claims than they did from selling insurance it's self.

While there are some cases where I presume it can offer value over a no-win, no-fee solictor, I reckon a lot of cases would be handled just as well or better with one.

[Finglonga]

[syl]

[kenny]

yea take it i got smacked from behind from a guy with no insurance and because i didnt have legal cover my company wouldnt do anything about it for me so i got it this time and it only cost sumrt like £35
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KeNNy 100cc peugot speedfight 125cc Honda NSR125R 650cc suzuki SV650R 125cc suzuki GZ125 600cc yamaha YZF-R6

[Lee_367]

Definitely take it out, it proved its worth to me when i crashed.
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?It?s mercy, compassion, and forgiveness I lack?not rationality.?