{"type":"document","data":{"id":"635ba76c-3850-41e2-bd68-54c51f64a93f","localeString":"en-GB","publishDate":"2026-03-13T17:36:55.614+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Get professional legal assistance in a traffic accident involving the insured car. Find out what is and is not covered by the Module Legal expenses."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/car?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium"}},"secondaryCta":{"textLink":{"url":"/en/personal/insurances/car-insurance/apply-for-car-insurance","text":"Not an ING customer? Calculate here"}},"coreHeader":{"body":"This insurance offers professional, legal assistance from DAS Legal Aid in the event of a traffic accident involving the insured car. For example, you can use DAS Legal Aid if you are involved in a collision through no fault of your own and want to claim the damage to your car.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/996c83a0-2c7d-4551-9f68-fcaa8df11a7f/Man-smiles-at-camera-while-donkey-peers-into-car","type":"image","width":6000,"original":"https://assets.ing.com/m/35ea6f5b2b9ecebf/original/Man-smiles-at-camera-while-donkey-peers-into-car.jpg","extension":"jpg"},"title":"Legal expenses Car Insurance"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is and isn’t covered by the legal expenses module?"},{"componentType":"comparisonCards","comparisonCardList":[{"title":"Covered","subtitle":"Legal support in the following cases and where DAS assesses a sufficient chance of success:","usps":[{"body":"You want to recover damages in a dispute caused by participating in road traffic and the damage is: - to your car and everything that is linked to your car; - or an injury to you or passengers.","iconType":"check-mark"},{"body":"From the moment of summons for suspicion of a traffic offense or offense, but only if this criminal case is conducted for the recovery of damage.","iconType":"check-mark"},{"body":"Reclaiming your car.","iconType":"check-mark"},{"body":"Disputes arising during the purchase, sale, maintenance, repair or towing by a BOVAG/FOCWA affiliated garage.","iconType":"check-mark"}]},{"title":"Not covered","usps":[{"body":"Disputes with the insurer regarding this insurance.","iconType":"cross"},{"body":"If you engage a lawyer or other representative without consultation with DAS.","iconType":"cross"},{"body":"A dispute requiring appeal to an international or supranational court / tribunal.","iconType":"cross"},{"body":"Events you could reasonably have foreseen when taking out the insurance.","iconType":"cross"}]}],"title":"Covered,Not covered"},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/car?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium"}},{"componentType":"sectionTitle","title":"Deductible"},{"componentType":"paragraph","richBody":{"value":"<p>There is no deductible.</p>"}},{"componentType":"sectionTitle","title":"Franchise/Minimum"},{"componentType":"paragraph","richBody":{"value":"<p>There is no minimum amount required to qualify.</p>"}},{"componentType":"sectionTitle","title":"Maximum compensation"},{"componentType":"paragraph","richBody":{"value":"<ul><li><span><span><span><span>In criminal cases € 5,000. </span></span></span></span></li><li><span><span><span><span>If the other party is liable but cannot compensate for the damage, you can still be compensated for a part of your damage. The maximum amount paid is then € 1,500.</span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"Coverage Area"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Claims and criminal law: the countries on the international insurance certificate (formerly the green card) and which have not been crossed out.</li><li>Contract law: In the event of a dispute about the purchase and sale of a car, this applies in the Netherlands. For all other disputes: all countries within the European Union.</li></ul>"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"Who provides the legal assistance?","richBody":{"value":"<p>Legal assistance is provided by a qualified DAS staff member. This person acts on your behalf in dealings with the parties and authorities involved, and negotiates with the opposing party. If necessary, he or she will conduct legal proceedings on your behalf. DAS employs in-house lawyers.</p>"}},{"title":"When should I report legal disputes?","richBody":{"value":"<p><span><span><span><span>It is in your  interest to report a dispute to us as soon as possible or directly to DAS via das.nl/ing or 020 651 87 75. Late reporting may make your case harder or more expensive to handle, which could be grounds for DAS to decline the case. We then have to prove that your late report has made your case much more difficult or expensive.</span></span></span></span></p>"}},{"title":"Can I choose my own lawyer?","richBody":{"value":"<p>No, DAS always assesses whether a lawyer needs to be appointed. You are entitled to appoint your own lawyer in four specific situations: </p><ol><li><span><span><span><span>If DAS concludes that it is necessary to conduct a judicial or administrative procedure.</span></span></span></span></li><li><span><span><span><span>If you are required by law to be represented by an attorney or another legal authorized expert.</span></span></span></span></li><li><span><span><span><span>If both you and the opposing party are entitled to legal assistance from DAS (confict of interest).</span></span></span></span></li><li><span><span><span><span>If you disagree with DAS about the approach to your case or about the lack of a reasonable chance of success</span></span></span></span><span><span><span><span> </span></span></span></span></li></ol><p><span><span><span><span>In these cases, DAS engages the lawyer on your behalf. The choice of which lawyer will work for you is up to you. If you do not have a preference, DAS chooses the lawyer. Your lawyer can invoke his professional secrecy. In that case, you must keep us informed of the progress of your case. </span></span></span></span></p>"}},{"title":"Can ING appoint an expert?","richBody":{"value":"<p><span><span><span><span>If DAS considers it necessary, DAS can call in an expert after consultation with you. DAS determines who that is.</span></span></span></span></p>"}},{"title":"Alternatives to legal support","richBody":{"value":"<p>Instead of providing legal assistance directly, DAS may, based on our expertise, choose one of the following alternatives:</p><ul><li>Buying off the financial interest: if the handling costs of your case are higher than the financial interest, DAS may compensate you financially and decide not to take on the case. If DAS does so, our obligation to provide (further) legal aid/reimbursement of costs in the case lapses.</li><li>Mediation: if according to DAS, a case can be resolved by mediation, DAS will call in a mediator. The mediator will be registered with the Netherlands Mediation Institute, and the mediation will be limited to a maximum of 10 hours. The costs of mediation will be covered by DAS.</li></ul>"}}]},{"componentType":"paragraph","richBody":{"value":"<p>For a complete overview of covered and non-covered damages, see the <a href=\"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf\">policy conditions</a> (Dutch only). </p>"},"textLinks":[{"url":"/en/personal/insurances/car-insurance","text":"Return to the ING Car Insurance"},{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/car?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium"}]},{"componentType":"linkList","iconTitle":{"title":"More Information"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/make-car-insurance-claim","text":"Report car insurance damage"},{"url":"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf","text":"Car insurance policy terms and conditions (PDF)"}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"},"textLinks":[{"url":"/en/personal/insurances/annual-travel-insurance","text":"Travel insurance"},{"url":"/en/personal/insurances/car-insurance","text":"Car insurance"},{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"},{"url":"/en/personal/insurances/liability-insurance","text":"Liability insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"Legal expenses insurance"},{"url":"/en/personal/insurances/student-insurance","text":"Student insurance"},{"url":"/en/personal/insurances/czdirect-health-insurance","text":"Health insurance"},{"url":"/en/personal/insurances","text":"All insurance"}]}]}}}