So on criminal charges you still have to front the money - there are potentially very large "expense" items. That and many cases are not decided favorably in lower court - frequently go through the appellate process. Presume you would have to bear the expense until and if a decision was made favorable to you - then be reimbursed.Mine is a little better. Criminally, it will provide for the substantial retainer, as well as 250,000 bond. I pay after the retainer then it will reimburse me if there is not guilt. However, the retainer being what it is in my policy, I'm ok with that. Civilly, it will provide immediate defense and will insure damages to a set amount.
It won't insure the sky, but I don't feel under-insured. I am somewhat protected.
Can you link the company/policy type? Would like to review it.
Would also be quite surprised if they would cover civil suit if you were found to be negligent or criminally guilty.
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