I have legal expenses insurance. Does this cover the costs of a lawyer and a lawsuit in every case?

No. Legal expenses insurance only covers the costs for the area for which it was taken out, e.g. employment law, traffic law, contract law. However, there are also many exceptions to this rule, which result from your insurance contract and the law. For example, if you have agreed an excess, the insurance will only cover you if the costs exceed the excess amount. Legal expenses insurance cover is generally excluded for certain cases, e.g. warnings or criminal offenses. We will be happy to clarify whether or not your legal expenses insurance will cover you in an initial consultation or by submitting a cover request to your insurance company.