Legal protection insurance is insurance that reimburses the policyholder for the costs of legal proceedings in disputes in which he or she is involved. Legal protection insurance began to be marketed in Sweden in the 1960s. Legal protection insurance is now included as a mandatory part of the home insurance policies sold in the country.
Anyone who has legal protection insurance that covers the dispute in question cannot receive legal aid according to the Legal Aid Act (1996:1619). The legal aid is thus subsidiary to the insurance. It also applies that anyone who lacks legal protection insurance but with regard to their insurance cover in general or their financial and personal circumstances should have had insurance (which would have covered the dispute) can only receive legal aid if there are special reasons.
Legal protection is included in home insurance (for tenancy, condominium or villa) and pays the insured’s costs for legal representation in connection with legal disputes. If the dispute is lost, legal protection, unlike legal aid, also pays the other party’s costs. The dispute must be tried by a general court. Legal protection therefore does not apply to disputes handled by an administrative court (administrative court, court of appeals, etc.).
The legal protection does not cover i.a. labor disputes, divorce or dissolution of cohabitation. Disputes involving amounts corresponding to half the base amount or less are also not covered (if you are in dispute with your own insurance company, you can use legal protection with most companies even if it applies to lower amounts).
In all legal protection there is a maximum amount that varies between SEK 75,000 and 250,000 depending on the company. The deductible is usually 20 percent of the costs.
Legal aid is financial support for you who need the help of a lawyer or other lawyer. The support is only given to you who cannot use the legal protection in your home insurance and who have limited finances.
Only private individuals can receive legal aid, i.e. not associations, companies and the like. In some cases, the deceased’s estate can receive legal aid.
What is included in granted legal aid?
Getting legal aid means that the state pays part of your costs for the lawyer or lawyer who assists you in a certain matter.
The basic idea is that you must pay part of the costs yourself via the legal aid fee.
It is the Legal Aid Authority or a court, if it concerns an ongoing case, that decides on legal aid. However, you must personally contact the lawyer or lawyer you want to represent.
Legal aid includes the following:
• Parts of the cost of your legal assistant (lawyer or legal practitioner) up to 100 hours. Legal aid can be extended for special reasons. For minors without income and assets, the entire cost can be covered.
• Costs for evidence at the general court, the Market Court and the Labor Court.
• Investigation costs up to SEK 10,000 (excluding VAT).
• Costs for interpreter and translation.
• The application fee in court.
• Costs for copies of documents and documents from authorities, service and more.
• Cost of a mediator.
It is important that your lawyer or lawyer has liability insurance. If they misbehave and this leads to damage to you, you can get compensation from this insurance. All lawyers and paralegals are covered by compulsory insurance.