If you wish to choose your own lawyer, please contact ARAG first. The legal expenses insurance is a benefit in kind policy. This means that the insurer provides legal assistance. For that reason, you cannot hire a lawyer without consulting ARAG and later forward the bills in order to receive compensation.
If you choose your own lawyer in legal or administrative proceedings after you have consulted with ARAG and if it is a legal requirement to be represented by a lawyer, all costs will be covered up to €6,000 per event.
You are obliged to use a lawyer or legal advisor
If you are involved in a proceedings in which you are legally obliged to use a lawyer, you should consult with ARAG first before choosing a lawyer. ARAG will then contact the lawyer or legal advisor. Your costs will be covered up to a maximum of €50,000.
You are not obliged to use a lawyer
If you want legal assistance and are you not legally obliged to use a lawyer or legal advisor in the proceedings, you can choose the lawyer or attorney yourself or use a lawyer or legal advisor selected by ARAG. If you use a lawyer or legal advisor selected by ARAG, the costs are covered up to €50,000.