Legal challenges can crop up at any time, and it helps to have expert legal assistance in your corner to navigate the complexities of the South African legal system.
Whether it’s criminal, civil, or labour law, you need to have access to a good lawyer if you want a successful outcome. Unfortunately, legal services are notoriously expensive if you’re going to pay for them out of pocket.
Thankfully, you can sign up for legal insurance to ensure that your legal needs are covered when you need the services the most.
Here are a few examples of when you might need legal insurance:
Labour Disputes
Having legal insurance on your side can help you challenge the matter more successfully without necessarily having to deal with high legal costs, particularly if you’ve been unfairly dismissed, retrenched without the necessary proper procedure, or are facing some kind of workplace discrimination, among other things.
Civil Suits
Where there is a legal dispute between two or more parties that seeks compensation or damages due to a breach of contract, a rental dispute, or defamation, for example, your legal insurance will cover the cost of your attorney’s fees and court representation.
Criminal Charges
In the event of you being arrested on criminal charges, having legal insurance can go a long way in providing bail assistance and securing decent legal representation in the ensuing criminal proceedings.
Even if you’re innocent, your arrest might require the assistance of a seasoned legal professional to clear your name.
Divorce
Divorce is a messy situation. Whether it is contested or uncontested, it can still be expensive. Divorce often involves custody battles and child maintenance agreements as well as the division of personal property.
Having legal insurance can help ensure that the necessary legal fees are covered.
Property Transactions
If you are buying or selling property, the conveyancing fees can be costly. Fortunately, having legal insurance that covers parts of these fees can help you save thousands of rands.
Legal insurance offered by Workerslife helps you cover the cost of conveyancing and transfer fees to limit the impact on your personal budget.
Contracts
If you are about to sign or draft a key contract – a rental agreement, an employment contract, a business deal, a loan agreement, or something else – having legal advice can help you navigate the complexities of contract law and help you to avoid signing unfair terms that will result in future disputes.
Debt Collection
If someone owes you money and refuses to pay, it could be helpful to have legal insurance to cover the cost of sending legal notices, initiating court claims and negotiating settlements. Legal insurance could also protect you from unfair claims against your name.
If you’re looking for comprehensive legal insurance, contact Workerslife today. Our affordable legal insurance scheme offers peace of mind to individuals and businesses alike.