Do you need motor legal protection in Australia, also called motor legal expenses insurance, it covers legal costs $10K to $50K for motoring disputes like uninsured loss recovery, personal injury and prosecution, costing $50 to $150 per year as add-on to car insurance, worth it if you drive frequently and want cover for legal costs after accident. Motor legal protection covers solicitor fees $300 to $600 per hour, court costs $1K to $5K and expert $1K to $3K for disputes such as recovering uninsured losses like excess $600, hire car $1K and loss of earnings $2K after accident caused by other driver, personal injury claim $10K to $100K, and defending motoring prosecution like speeding and dangerous driving with legal costs $2K to $5K. For example, if other driver at fault and you have $5K damage with $600 excess and $1K hire car not covered by comprehensive, motor legal protection covers $5K legal costs to recover $1,600 uninsured losses. In Australia, comprehensive car insurance $800 to $1,500 already covers property damage, but not legal costs for uninsured loss recovery and prosecution, so motor legal protection optional. If you have good comprehensive with hire car and low excess $500, you may not need it, but if you drive for work and risk prosecution, it is worth $100 per year for $50K cover. So motor legal protection not essential but worth it for $50 to $150 per year if you want cover for uninsured loss recovery and prosecution defence.
1 votes
Marked as accepted