Buying car insurance can be a tedious process. After providing what feels like endless personal details, you are provided with the choice of a series of add-ons that only seem to drive up the price. It’s tempting to ignore them all and go for the cheapest premium. But ALPS motor legal expense insurance (MLEI) is one option worth considering.What happens if you’re in an accident that’s not your fault? Your insurer can cover repairs and replace a written-off car, but they may not go the extra mile to get your excess back or keep your premium from rising. This is where ALPS come in. We use our panel solicitors, ALPS Legal Practice, to provide legal help to recover losses and protect your insurance status.For example, say an inexperienced driver causes an accident. Even if you did nothing wrong, your excess is lost and premiums could go up. With ALPS, our legal team work to recover your excess and to keep your policy unaffected.Uninsured drivers are another risk. If they cause an accident, you could be left paying a lot out of pocket. ALPS legal can assist in navigating the Motor Insurer’s Bureau’s multiple redress schemes, and even take the uninsured driver to court to recover your losses.Fault insurers themselves are also getting tricky. Some ignore third party claims, forcing victims to go to court, or bare their losses. Your ALPS policy will cover legal costs to make sure you get fairly compensated.
Beware of ‘accident management’ companies
Insurers might give them your details for commissioned referrals. While some are reputable, service levels vary. With ALPS you get access to trusted repair networks, reputable hire providers, expert engineers, and our legal team.No one expects an accident, but ALPS MLEI gives peace of mind if the unfortunate occurs. Rather than deal with unvetted repair shops and commission-chasing accident management companies, ALPS provide legal muscle and reputable partners. That means you can focus on getting on with life, without the extra hassle.So at insurance renewal, consider ALPS. A small additional investment could save much frustration down the road. Drive safely but plan for the unexpected.