1. 1265 POINTS
    Drew Delaney, J.D., CLCS
    Commercial Lines Producer, Secure Investors Group, INC, Troy, Michigan
    First, I am not exactly sure what you mean by legal assistance, so I am going to answer the question I think you are asking. 

    When you get car insurance you get coverage for injuring third parties, which is typically called bodily/physical injury coverage.  Many times, this coverage includes defense costs in the event you get sued for injuring a third party.

    The limits of your legal defense costs can go one of two ways:  either the defense limits are included within your limits or there is a separate limit for defense costs.  There are advantages and disadvantages to either method.  If the legal defense costs are included in your limits you will have defense costs until the insurance company pays out the limits of your insurance.  If you have a separate limit then your legal defense ends when the attorneys fees use up that allocated amount.  Either way you don't have unlimited defense, but if it is a serious bodily injury you will lose the "free" attorney much quicker.

    I hope this helps!
    Answered on May 21, 2013
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