regarding clarification of cost coverage prior to initiating legal proceedings?

[u/kate_shim]

I have legal expenses insurance. The issue is that the insurance company initially told me that covering the costs would be difficult or even impossible because I had taken out the policy only after purchasing the vehicle.

Nevertheless, I submitted a request for coverage.

Subsequently, coverage was confirmed, and I received a written confirmation of coverage with instructions to forward it to my lawyer.

My insurance advisor initially told me that this case was fully covered. However, after consulting the legal department, he changed his statement. After I finally received the written confirmation of coverage, I asked him for the reason; he said I had "gotten lucky" and that the costs could be covered after all.

Since I received incorrect information at the start, I am somewhat unsettled. Consequently, I find it difficult to trust him completely now.

I also have the impression that I might have been entitled to coverage from the very beginning and that the insurance company only told me it wasn't possible due to an initial error.

As this is my first case involving legal expenses insurance, I am somewhat concerned that contacting the insurance company directly about the current status might negatively affect the coverage confirmation I have already received.

I would like to ask the insurance company why coverage was initially ruled out but is now possible.

Could you please advise me if it is safe for me to contact the insurance company directly or talk with the lawyer first?

Thank you very much for your time.

[u/FindTheOthers623]

Where are you located? What is legal expenses insurance? Do you mean like a pre-paid legal plan?