Usually, this first line of defense is enough to reduce the adversary's heat and avoid court confrontation.
If the parties are unable to reach an agreement, legal insurance comes into play.
As the name suggests, legal expenses insurance reimburses, in whole or in part, the professional fees and legal costs (such as expert fees, bailiff fees, etc.) that you must pay to bring your case to court or to represent your defense costs.
It is important to note that criminal cases, matrimonial disputes and cases brought before the Small Claims Court are almost always excluded.