La tutela legale: una polizza indispensabile.
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La Tutela Legale è un contratto assicurativo mediante il quale la Compagnia si obbliga a fornire al cliente l’assistenza e la difesa stragiudiziale e giudiziale necessarie al verificarsi di determinati eventi, garantendo il rimborso delle relative spese legali, peritali e processuali sostenute.
L’aspetto risarcitorio delle spese legali, tuttavia, non è l’unico fattore da prendere in considerazione: spesso infatti è più importante il valore economico e patrimoniale di ciò che si intende proteggere dalle pretese di terzi o il rischio di perdita economica che si potrebbe subire se non si intervenisse tempestivamente con un’azione legale.
E’ una forma di tutela a mio giudizio assolutamente indispensabile, insieme a quella del «capo-famiglia».
COSA COPRE
Sottoscrivendo una polizza di tutela legale, la compagnia assicurativa interverrà nel caso in cui il cliente si ritrovi coinvolto in controversie legali penali o civili di vario tipo, fornendo assistenza e pagando tutte le spese legali, come quelle per l’avvocato o il perito, e anche tutte le spese processuali previste.
Ad esempio in tutti quei casi in cui si ha bisogno di assistenza legale: contenziosi contro una banca, contro un vicino di casa che vi ha provocato un danno e non vuole pagarlo, contro il datore di lavoro che non vi paga gli straordinari, un negoziante che vi ha venduto un prodotto difettoso, un dottore o una struttura sanitaria accusati di un presunto errore medico, e la lista potrebbe essere ancora lunga.
La polizza di tutela legale, quindi, ha effetto in tutte le occasioni in cui si ha bisogno di assistenza legale, sia nei casi in cui è l’assicurato ad essere vittima di un qualsiasi danno, sia in quelli in cui è lui a essere accusato di averli provocati.
Di solito, in realtà, anche nel caso di chi ha stipulato una polizza tutela legale, per prima cosa si cerca di risolvere la questione trovando un accordo con il contendente, adottando quindi una soluzione stragiudiziale ed evitando così di finire in tribunale.
Solitamente l’assicurato è tenuto a informare la compagnia assicurativa del fatto che ha generato la controversia entro tre giorni da quando questo si è verificato, comunicando anche il nome dell’avvocato di fiducia scelto per la difesa dei propri interessi e inviando tutta la documentazione relativa all’accaduto.
QUANDO SERVE
Certamente è più indicata per le persone che sanno di non potersi permettere di affrontare le eventuali spese legali per una controversia penale o civile. Tra l’altro, come molte altre polizze, si può estendere anche a conviventi e familiari.
Infine è certamente indicata alle aziende, alle quali può capitare spesso di dover affrontare cause o processi.
Negli ultimi anni, complice anche l’entrata in vigore del nuovo Codice della Strada che ha introdotto il reato di omicidio stradale, si è registrato un forte aumento della richiesta di una polizza tutela legale in aggiunta alla RC Auto. Questo perché in caso di sinistro stradale non sempre si può risolvere con la contestazione amichevole: quando ci sono danni importanti con feriti o, peggio, morti, la questione diventa molto più complessa e, sia da vittime che da colpevoli, le spese legali da affrontare sono veramente elevate.
CONSIGLI PER SCEGLIERE UNA POLIZZA TUTELA LEGALE
Valutate con attenzione le esclusioni e il periodo di carenza, anche se sotto questi punti di vista non ci sono grandi differenze tra i prodotti offerti da una compagnia e quelli di un’altra.
ESEMPIO
Prendiamo ad esempio quella per la famiglia.
Costa attualmente tra i 100 e i 200€ euro all’anno e copre tutti i membri della famiglia, cioè coloro che risultano sullo stesso stato di famiglia del sottoscrittore, per qualsiasi vertenza dovessero affrontare.
Non esiste bonus/malus, nè regolazione di premio, il premio è fisso per tutti, indipendentemente dall’attività, dalla localizzazione geografica, da tutto, anche perchè comunque è una polizza famigliare, la sottoscrive il capofamiglia ma poi copre anche il coniuge, i figli e così via, quindi non è assolutamente legata a caratteristiche soggettive del contraente.
La polizza ha durata annuale, attenzione solo che è previsto il rinnovo automatico in mancanza di disdetta, mi pare entro tre mesi prima della scadenza, per cui in mancanza di disdetta si rinnova automaticamente di anno in anno e si rende dovuto il premio. Non c’è un numero minimo di anni e si può recedere anche dopo il primo anno.
La copertura delle spese giudiziarie non è proporzionale a quanto pagato e avviene nei limiti del massimale, oggigiorno il massimale più diffuso è di 12.000€, ma per evento, cioè per ogni causa o questione che l’assicurato dovesse avere durante il corso di validità della polizza.
Compagnie che offrono valide forme di tutela legale sono:
UCA
DAS
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