Legal Expense Insurance

Frequently Asked Questions

Top Questions

What is Legal Expense Insurance (LEI)?

Legal Expense Insurance (LEI) is a unique product that helps individuals and business owners defend or pursue their legal rights if they have a dispute with another party. With the LEI coverage provided by DAS Canada, policyholders have access to legal advice and guidance, as well as financial security knowing their legal costs will be covered should they face an insured legal issue.

What do legal costs include?

Legal costs include items like lawyers’ fees, charges for disbursements, and the opponent’s legal costs should you lose your case and be required to pay them.

Will my LEI policy cover ‘any’ legal dispute?

DAS policies are designed to provide legal guidance and expense coverage for a wide range of common issues. The coverage provided under your particular policy is detailed in the policy wording; be sure to read it carefully. The DAS telephone Legal Advice Helpline, however, will offer advice on any legal matter. For example, although family law is not covered under your policy, DAS Personal policyholders can receive general legal advice regarding family law matters from the Legal Advice Helpline.

How much does the policy cost?

The annual premium for a DAS Personal policy is only $150 (plus administration fee and applicable taxes).

What happens if my own lawyer begins work on my dispute, before I notify DAS Canada?

If you think you may have a claim, first call the Legal Advice Helpline to speak to a DAS lawyer. Do not ask any lawyer outside of DAS for advice unless DAS has advised you to do so. If you instruct a lawyer outside of DAS before speaking to us, and DAS ultimately proceed with your claim, DAS will be unable to honour any costs incurred before your claim was opened with us. There is also a chance that your claim could be prejudiced by not taking and following our advice from the moment you became aware of the dispute.

What if I am not happy with the way the appointed lawyer is dealing with my claim?

After reviewing your file, DAS assigns a legal professional with the specific skills, experience and background required for your case. If a situation arises with the appointed lawyer, your DAS Claims Adjuster will work with you to resolve the issue.

If I have a legal problem before my policy starts, will it be covered?

Matters you are aware of before the start of your policy are not covered.

More Questions

What does ‘reasonable prospects’ mean?

It is not in anyone’s best interests to support a frivolous lawsuit or claim which has little chance of success. In civil claims, the appointed lawyer must agree that the claim is more than likely to be successful in order for DAS to proceed. This is what the term, “reasonable prospects” means. Reasonable prospects must exist throughout the duration of a civil claim.

If I speak to the Legal Advice Helpline, does it automatically trigger a claim?

No; when you call the Legal Advice Helpline, DAS advice lawyers will first discuss your situation with you. If your issue is not covered by the policy, the lawyer will advise you on potential next steps to resolve it. If the advice lawyer believes you are facing a claimable legal event, your file is referred to the DAS Claims Department for a determination of coverage. If your legal issue is claimable, a panel lawyer is assigned. The assigned lawyer handles the case to conclusion.

What happens if my legal costs end up going over my limit of indemnity?

The indemnity limit shown in your policy is the maximum that would be paid out in the event of a claim. You are responsible for any costs over the indemnity limit, and DAS will inform you if it appears likely that it will happen with your claim.

My policy suggests that some disputes may be ‘negotiated for’ rather than simply pursued or defended in court. Why is this?

It is often more beneficial for both parties to try and reach a settlement rather than go to court, as going to court can be stressful, expensive and time consuming. The majority of legal disputes are, in fact, settled by negotiation. DAS’ goal is to provide the most appropriate solution to your legal dispute, which may well be negotiation as opposed to going to court.

Does my policy cover criminal legal representation (e.g. a policyholder is criminally charged with assault)?

The DAS policy will only cover a criminal defence if the alleged criminal act was in relation to employment.

Will I ever meet with the lawyer face to face, or is everything over the phone?

The initial contact with the DAS Legal Advice Helpline and the appointed lawyer will be over the phone. If required, a face-to-face meeting with your assigned lawyer will be scheduled.

What are DAS privacy protection rules?

Please visit www.das.ca/privacy-policy.aspx to view the DAS privacy policy.

What does DAS stand for?

Deutscher Automobil Schultz.

What are “phishing” email scams and how can I protect myself?

A phishing scam is when an email sent to a consumer looks as if it was sent from a real company the consumer may have purchased products or services from, but in reality it comes from someone else. Often the email address appears to be from a legitimate company and the company’s branding or logo may be on the email. The email usually states that consumer must click a link to go to a site to do something. Upon clicking on the link, the consumer is presented with a site that looks like a genuine site and is asked to enter their name, address, credit card information, or other personal information.

You can protect yourself against phishing scams by ensuring the site you are visiting is the true site owned by the company. In this case, when you are dealing with Marsh Canada Limited, marsh.ca is Marsh Canada’s corporate website and shop.marsh.ca is an official subdomain to that site.

What site am I visiting and how do I know my information is being collected by Marsh?

The domain name can be verified by looking at the address bar or by double clicking on the padlock icon to view the certificate.

You can verify the site you are visiting by looking at the address displayed in the address bar or by double clicking on the padlock icon to view the site’s certificate.

How do I know that my information is securely transmitted over the Internet?

Marsh’s on-line applications use 128 bit encryption to ensure information is sent over the Internet safely. In Microsoft Internet Explorer or Firefox, a secure website is indicated by a closed padlock icon.

Depending on your browser settings, you may receive a pop-up window when entering a secure web site. This is letting you know that the site is secure. If you receive this pop-up window, click “Yes” to accept and continue on the site.

What are other customers saying?

Information on this website represents a synopsis of coverage and is provided as a reference only. The actual policy, including endorsements determines coverage. It contains exclusions, limitations and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions and requirements. Deductibles may apply. For exact terms, definitions, limitations, and exclusions, please speak with your licensed Marsh Canada Limited insurance broker, or refer to the policy wording.

* plus administration fee and applicable taxes