There is no obligation to take out a legal protection insurance, this is up to each person individually.
The (sometimes high) premium payments are contrasted to the cost coverage in the event of a dispute. Even if a legal protection insurance has been taken out, you should check in advance whether the relevant cause is covered by it. It is important to inquire with different legal protection insurances and to get detailed information on premium payments, scope of insurance, insured sum and general terms of the legal protection insurance.