Legal expense insurance covers you in day-to-day situations

A number of day-to-day situations can be covered by legal expense insurance. Here are some examples:

  • You recently sold your home. After a few months, the buyer demands a reduction in the purchase price, claiming that he discovered hidden defects that are affecting the home significantly.
  • Your neighbour refuses to put up a fence between your properties and you don’t know what your rights are.
  • The neighbour next door to your summer cottage carried out extensive work on her property. Ever since, water has been pouring into your garden and back yard and you don’t know what to do.
  • The renovation work you recently had done is unsatisfactory and the contractor won’t return your calls.
  • You’ve just moved in and discovered that your landlord hasn’t done the work he promised to do.
  • Your neighbours are extremely noisy and the landlord refuses to intervene despite your repeated requests.
  • The owner of your apartment sends you a notice of repossession. You would like to contest the notice with the provincial housing board (Régie du logement).
  • You are having problems with the purchaser of a building, who has not fulfilled his obligations after placing a purchase offer.
  • You’ve just moved into a new condo but the condo board fails to enforce the declaration of co-ownership.
  • You are being harassed at work and you don’t know what to do or who to turn to.
  • After several years of faithful service to your employer, you’ve just been fired and you don’t understand why.
  • You don’t agree with the decision of the provincial occupational health and safety board (CLP), which refuses to recognize your on-the-job accident.
  • The provincial workers’ compensation board (CSST) decides that you are able to go back to work and cuts off your benefits, even though your doctor does not agree with their decision.
  • You become disabled but your employer, the relevant provincial body (Régie des rentes) and your disability insurer all refuse to recognize your illness. You’ve had no income for the past few months during your convalescence.
  • The provincial auto insurance corporation (SAAQ) rules that your backache is not related to your car accident, even though you are unable to go back to work in your present condition.
  • You are injured at a restaurant after falling down an icy and poorly maintained staircase. You would like to claim for the income you lost during your six-month convalescence.
  • The motor home you bought before your annual vacation won’t start. You were sold a lemon and the mechanic says that the repairs will cost thousands of dollars.
  • You fall victim to identity theft and will have to deal with a multitude of problems as a result. You don’t know how to defend your rights and you’d like to speak with a legal advisor.
  • The heat pump you were sold is not suitable for the type of home you have and you’d like to cancel the contract.
  • Your spouse died recently and you’re required to pay notary fees to settle the estate.

Depending on your insurer, most of the above situations
can be covered by legal expense insurance.
Please check with your broker or insurer