DAS Legal Expense Insurance
Did you know that the average hourly wage for lawyers in Canada is around $360? On top of that, lawyers can be entitled to between 25%-40% of the agreed-upon settlement or award. Considering that the cost of a 2-day civil action trial in Canada is on average $26,440 (Source: Canadian Lawyer Magazine Survey 2010 NATIONAL FEE RANGES), being without DAS legal expense insurance can have a major impact on a business or individual’s budget.
The Power of Knowledge Can Protect
What is most alarming is that (outside of Quebec) the rest of Canada is relatively unaware that protection exists for them. Nor do they realize how affordable and accessible such protection is from a DAS legal expense insurance policy.
In this case, knowledge is power. Doing more research on the subject, you may discover how you are exposed to possible lawsuits and what limited access you currently have to a proper defence. If you don’t have the privilege of accessing the best, most suited professional representation, then what is protecting you and your business?
Why DAS Legal Expense Insurance?
Have you discovered that you don’t qualify for legal aid? Is it too expensive to consult or retain a lawyer? A very significant segment of the Canadian population is caught in this Catch-22. People find that they are in two situations at the same time: (1) their budgets can’t handle the cost of hiring a lawyer, and (2) they have too much income in order to qualify for legal aid.
So then, what can you do if a suit is brought against you and you are unable to provide a competent defence? To the average Canadian individual, group or small to mid-sized business, civil action can have a hugely damaging financial impact.
Without DAS legal insurance, you will be responsible for your costs. If you are engaged in a one-day criminal trial, you can be expected to pay on average $5,000. Without DAS legal insurance, even fighting a traffic ticket will cost you approximately $300.
The Types of Claims You Can be Facing
DAS legal insurance provides affordable coverage in matters defined as “fortuitous events” or other unanticipated issues. What this means is that you can be faced with a suit brought about in areas such as:
- Human rights complaints
- Disciplinary actions
- Employment disputes
- General litigation
Legal insurance can be useful in dealing with issues and events stemming from contestations over a Will or Power of Attorney. Without professional representation, cases can become long and drawn-out, draining the personal funds of those engaged in the case. Good representation can make a huge difference in terms of mitigating problems that develop and negotiating for suitable compromises resulting in cheaper and quicker settlements. But can you afford the best defence?
Request a Free Legal Expense Insurance Quote & Save on Your Premium
DAS Legal Insurance Products
- DASliving. While you may be accused of one of the above mentioned issues, you may also find yourself to be a victim. DAS legal expense insurance provides a product entitled DASliving that can protect in a number of areas. For example, if you buy a defective fridge and the company refuses to honour its warranty. Or in the case of a dispute with a neighbour over the placement of a fence line. The policy can cover:
- Employment disputes
- Contract disputes
- Protection of property
- Bodily injury
- Court attendance expenses
- DASdrive. In the event you find yourself faced with a traffic ticket that you believe was wrongly assessed, you may need to seek counsel. Perhaps you have a dispute over the assessment of your vehicle’s value. Or worse, a mechanic does a shoddy job on your car and you’re left holding the bill. DASdrive can cover:
- Total loss valuation disputes
- Auto contract disputes
- Court appearances in defence against highway traffic law or regulations
What Does DAS Legal Expense Insurance Not Include?
While DAS legal expense insurance provides reimbursements for professional legal counsel as well as covering portions of moneys owed in a settlement, there are some areas not included.
If, for example you pay out of pocket for agent costs, court filing costs and expert reports, then these will be considered disbursements and not be included in a normal DAS legal expense insurance policy. If there are adverse costs awarded by the court or mutually agreed upon by all parties at the conclusion of a case, this too is not covered.
Let us tell you how much we can save you …
Navigating Insurance For You®
It’s important to discuss your unique situation with a broker. This way you can understand both the benefits and remaining areas of exposure you or your business is facing. Talk to a Navigators representative today to discuss your concerns.
Navigators Insurance Brokers has solutions to grant Canadian consumers and business owners affordable access to the justice system. DAS legal expense insurance is a product designed to empower individuals who either cannot afford the cost of retaining a lawyer nor do they qualify for legal aid. In the event of a court action in any dispute, having DAS legal expense insurance is key to paying fees incurred from simply enacting your right to a fair defence.