Almost everyone participates in the road traffic - as motorists, pedestrians, cyclists or passengers in bus and train. And so almost everyone can be involved in an accident. Usually it is then clarified in court, who is to blame and has to pay. In such cases, a traffic protection insurance helps.

Such a policy is available separately for legal expenses insurance. "Finanztest" has checked various tariffs and found out: A good insurance for families with a car is available from 49 euros.

130 tariffs of 34 legal expenses insurers compared the magazine on the basis of five life situations. These include fares for families and singles with or without a vehicle and for families with several vehicles.

These insurances have done the best:

  • ADAC
  • Advocard
  • alliance
  • Allrecht / DEURAG
  • LVM
  • WGV
  • wgv-sky blue

A tip from the testers: Anyone who is often a customer of car sharing offers or often rents cars, should note that the tariff takes this into account.

Not included in the rating is the amount of the contributions. "Financial test" evaluated only the quality, that is what legal protection is included - for example, for damages, criminal law and misdemeanors. Also included in the evaluation are criteria such as clarity and clarity of insurance conditions.

Finanztest also urgently recommends to pay attention to the fine print . In many cases, traps lurk:

Lawyer change: If a lawyer is changed, it may be that the insurer does not pay for the new one.

Several claims per year: In the event of two or more claims per year, many insurers may terminate the contract prematurely.

Waiting times: If waiting times are scheduled, the full insurance cover will be activated afterwards.

Parking and holding violations : Insurers rarely accept such violations.

Cost cap: Lawyers get from the insurance only the statutory fees. For higher fees, the insured must bear the difference.

According to the testers, a legal protection is worthwhile, for example, to fend off a fine or to sustain a dispute in the event of an accident with the liability insurance of the accident causer.

Another reason for a traffic protection insurance is a problem after buying a car. So far, insurance was rather rarely used according to the test - but it changes with the exhaust gas scandal.