Legal Insurance

HOUSING Submission

ECONOMICAL

SIMPLE

Legal expense insurance should not be confused with legal assistance

Consult your home insurance broker to find out the specifics of your legal insurance.

Legal assistance protects you:

This kind of protection only concerns legal aid,

• It is not intended for the payment of legal fees or costs.
• It offers assistance, advice and information.
• Consultations are usually done by phone and are free of charge and you can use the service as often as you need during the insurance period.
• Professionals include: notary, lawyer, family mediators, etc.
• All areas of law are covered, with the exception of criminal law and commercial law.
• Insurance coverage may vary from one insurer to another.

Legal expense insurance protects you depending on the insurer’s contract of choice:

• You have just sold your home and after a few months, the buyer is claiming a reduction in the purchase price under the pretext of having discovered latent defects that significantly affect the house.
• Your neighbour refuses to have a fence erected on the party line and you do not know your rights.
• The neighbour has done major work on his land and since then, the water has been pouring into your garden and onto the terrace… You don’t know what to do anymore.
• You are not satisfied with the recent work carried out on your home and the contractor is no longer giving any sign of life.
• You have just moved in and you discover that the work that the landlord was supposed to do to your home has not been carried out as promised.
• Your rental neighbours are extremely noisy and the landlord does not intervene in the situation despite your repeated requests.
• Your landlord sends you a notice of repossession of your unit. You wish to contest this notice to the Régie du logement.
• You have problems with the buyer who does not meet his obligations following the submission of an offer to purchase a building.
• You’ve just moved into your new condo. The syndicate of co-owners fails to enforce the declaration of co-ownership.
• You are experiencing harassment at work and do not know how to act or where to go.
• You are fired and you don’t understand why after having given several years of loyal service to the same employer.
• You do not accept the decision of the Commission des lésions professionnelles (CLP) which refuses to recognize your work accident.
• After being compensated for a few months by the CSST, the CSST considers that you are fit to return to work and stops paying benefits even though your doctor does not agree.
• You become disabled, but neither the employer, nor the Régie des rentes nor the disability insurer recognize the illness you have and no income is paid to you during the convalescence that has lasted several months.
• The SAAQ considers that your back pain is not related to your car accident and yet you cannot return to work under these conditions.
• You are the victim of an accident while going down the poorly maintained and icy staircase of a restaurant. You want to claim your loss of income during the six months that you recovered.
• You have just bought a motorhome and before leaving for the annual vacation, it does not start… You’ve been sold a lemon and the mechanic is claiming thousands of dollars in repair costs.
• You are a victim of identity theft and a multitude of problems await you. You don’t know how to protect your rights and want to see legal counsel.
• The heat pump system you have been sold is not adapted to the style of home you have and you want to cancel the contract.
• Professionals include: notary, lawyer, etc.
• Exclusions (not covered) in legal expense insurance, including:
• Matrimonial conflicts such as: divorce, alimony, child custody etc…
• Penal and criminal law.

Special cases in legal insurance

• Cases already entrusted to a professional
• Cases between the insured and the insurer
• Cases eligible for legal aid
• Legal expense insurance is presented in addition to an insurance contract.
• Legal expense insurance provides for maximum legal services (hourly rate), a maximum consultation period.
• It is important to check with your REALTOR®. The annual premium varies between $25 and $75., depending on the insurer. Insurance coverage may vary from one insurer to another.

Why Legal Insurance, Assur360?

If you need to find a lawyer and don’t want to constantly worry about how much you’re being charged, then Assur360 broker’s legal insurance is the product for you!

Legal insurance can connect you with a lawyer quickly and easily. Depending on the situation, it also guarantees you compensation if your case is resolved by a court. Your insurance broker’s legal insurance gives you the right tools to protect yourself against any legal problems!

Claude St-Hilaire, professor of damage insurance .

Sources: Autorité des marchés financiers (AMF)
The Barreau du Québec
Educaloi
For more information, visit the following websites: www.educaloi.qc.ca or your damage insurance broker, Assur360.