here - Heart Lake Insurance

DASdrive CLAIMS EXAMPLES
CAN YOU AFFORD A LEGAL DISPUTE?
Canadians face a variety of auto-related legal risks on a daily basis. From traffic tickets to disputes
with mechanics, individuals can quickly find themselves in the middle of a costly and timeconsuming legal battle.
Canadians are often hesitant to access the justice system, considering:
ƒƒ $379 is the average hourly rate of an experienced lawyer 1
ƒƒ 45% of Canadians know someone personally who has gone into debt trying to resolve a legal
dispute 2
ƒƒ A significant amount of your time and effort would be required to handle a legal issue
ACCESS TO JUSTICE FOR YOU AND YOUR FAMILY
A DASdrive legal expense insurance policy will:
ƒƒ Protect you from costly legal expenses
ƒƒ Allow you to defend or pursue your legal rights
ƒƒ Give you unlimited access to legal advice at any time
A DASdrive policy covers your legal costs, giving you peace of mind and access to justice
when you need it.
1 Source: Canadian Lawyer Magazine Survey, 2013
2 Source: www.das.ca/accesstojustice
HOW WILL A DASdrive POLICY PROTECT AND EMPOWER
YOU AND YOUR FAMILY?
DASdrive provides up to $100,000 worth of legal cost coverage per claim, and $500,000 in the
aggregate per policy year. Offer yourself legal protection and the power to take action, with
coverage for common legal issues such as:
LEGAL DEFENCE:
ƒƒ A policyholder receives a speeding ticket and wishes to challenge it. DAS will appoint a lawyer
and pay legal costs to defend the charge.
ƒƒ A young driver decides to be the “designated driver” for his friend who has been drinking. He
is pulled over and charged with driving at night with a passenger, which is not allowed under
his level of licence. DAS will assign a lawyer to the case and pay legal fees to defend the
charges.
CONTRACT DISPUTES:
ƒƒ A policyholder has his brakes repaired at the local garage. After picking up his car, the
policyholder notices that the problem has worsened. The garage refuses to rectify the issue.
DAS will appoint a lawyer and pay legal fees to deal with the garage and negotiate repairs or a
refund.
ƒƒ A policyholder discovers that a used car she recently purchased had been involved in a prior
accident. This information was never disclosed to her. DAS will appoint a lawyer and pay legal
costs to take action against the dealer.
ƒƒ A policyholder leases a vehicle and is charged for damages that the dealership claims extend
beyond normal wear and tear. DAS will assign a lawyer and pay legal fees to defend the client
and refute the accusations.
DRIVER’S LICENCE PROTECTION:
A policyholder’s licence is suspended, threatening his ability to do his job. DAS will appoint a
lawyer and cover legal costs to defend the insured.
LOSS VALUATION DISPUTES:
A policyholder feels that his insurance company’s total loss valuation is unfair, as they did not take
into consideration any of the recent repairs done to the vehicle. DAS will assign a lawyer and pay
legal costs to dispute the amount.
OBTAINING ACCIDENT BENEFITS (except QC):
A policyholder needs to complete documents for accident benefit coverage but does not
understand the process or how to fill out the forms. DAS will assign a lawyer to assist the
policyholder in completing and filing the documents.
UNLIMITED TELEPHONE LEGAL ADVICE:
Unlimited access to a legal advice helpline to discuss any legal matter.
*The above scenarios are examples only. Coverage is subject to the terms, conditions, and exclusions of the policy.