Legal Insurance: Access To Justice Or Shield For Criminals?

The term ‘legal insurance’ refers to a type of insurance policy that provides coverage for legal expenses incurred in civil or criminal cases. In most cases, legal insurance policies cover only the expenses related to defending against a lawsuit or legal dispute. However, some policies may also provide coverage for other legal expenses, such as representation in a divorce proceeding or a criminal case. Legal insurance policies have become increasingly popular in recent years, as more and more people seek protection against the rising costs of legal representation. However, this trend has also led to some negative consequences, such as the potential for legal insurance policies to be used to shield murderers from prosecution discourage compliance with the law and so on. Legal insurance is a relatively new product in the insurance industry. However, it is also a controversial product, with both benefits and drawbacks. This paper will examine the merits and demerits of legal insurance, cases where it has been used, its misuse, global trends, and whether India should allow or disallow legal insurance.