y’all folks talk as if having legal insurance automatically makes you a “vip client” with a direct 24/7 phone number to the best lawyer who is always by your side covering your ass and fighting for you
that’s not the case
not even close
i have this Rolland rechtsschutzversicherung…
first you get into trouble and get super stressed
you have no idea whether your insurance covers your case
you call insurance number, waiting on the line…
they connect you with an “independent lawyer” (wtf is that?) who CAN NOT answer questions about your policy, they just listen to your case and chat what you can or can not do and then when you ask them to help you they only say “you need to find a lawyer” and that they are just consultants.. so basically, they’re live chatGPT you can talk to — all the info they say you can successfully find online
and don’t try to tell me “they know better than what you can research online” — that’s nonsense, at least not today with such an abundance of information everywhere.
during the problems with my landlord i have called three times, landing on different “independent lawyers”, thus explaining the whole story over and over again, and all three of them told me different things about my rights!! one said i may just start paying 10-15% less rent, the other said I can not do this and shall write a letter. when I asked for an actual, tangible help to write one or at least share a template (this was pre-charGPT times) he just told me to find a lawyer. and the way they talk — constantly interrupting, not letting you finish a sentence, trying to finish the conversation within their allotted 15min (I believe this is their target, just like it is for medical insurance’s mandated doctor visits) — I feel like I’m just a nuisance for them which they want to get rid off quickly.
those landlord issues got resolved through other authority — Gesundheitsamt (we had rat infestation in our building due to the accumulated trash problem landlord refused to take care of), but last year the real problems started.
my mom passed away mid last year, due to presumed medical error/malpractice. during that stressful time i had to go through, I believe, 4-5 different Rolland agents who were not able to tell me what I can claim and what I can’t. most of them were rejecting this case as a non-insured event. only when i sent them a formal letter which took them two weeks to reply, they agreed to cover me at schadenkosten angle. the case is still ongoing…
then, a few months later, my employer goes bankrupt, i’m being terminated without respecting my termination notice terms and owed 2 monthly salaries, despite that the company was successfully sold by insolvenzverwalter. the case is still ongoing…
then, a month ago, after 3-4 months of employing a mieterverein lawyer who talked to our landlord and estimates our chances are quite high going against him in court (the dispute is about illegal rental contract expiration), I hire a third-party lawyer Rolland recommended me and they agree on covering my court costs (I’m filing Feststellungsklage). the case just got started…
a week later I receive an e-mail from Rolland:
Guten Tag,
Sie sind bei ROLAND Rechtsschutz versichert und Ihr Vertrag läuft noch bis zum* ***März 13, 2027****.
In den Bedingungen ist geregelt, dass beide Vertragspartner den Vertrag zum Ablauf kündigen können. Von dieser Möglichkeit möchten wir hiermit Gebrauch machen.
Grund dafür ist der Schadenverlauf Ihres Vertrages. Dieser Schritt ist in seltenen Fällen nötig. Denn eine Versicherung ist eine Gemeinschaft, in der viele Versicherte die Kosten für Einzelne gemeinsam tragen. Haben jedoch mehrere Kunden viele Schadenfälle, reichen die Beiträge der Gemeinschaft nicht mehr aus. Wir wollen aber, dass die Beiträge wettbewerbsfähig bleiben.
Mit diesem Schreiben kündigen wir also mit Hinweis auf Ziffer 14.2.2 der Allgemeinen Bedingungen für die Rechtsschutz-Versicherung zum genannten Zeitpunkt.
Wir hoffen auf Ihr Verständnis und wünschen Ihnen alles Gute!
…so I guess starting March 13th I’m on my own, huh ?
do they think I enjoy doing these things ? does it look like I took advantage of them ? after all, how much money have they already spent on me ? am I THAT unprofitable for them or their business model is that fragile, they had to get rid of me ?
I’m just getting so tired of feeling right-less, being constantly dismissed by “the system”, put on hold for hours “waiting for the next available representative” or straight up being lied to about my rights (I haven’t even mentioned my multiple disputes with airlines and car rentals when they refused their responsibilities unless pressured through formal letters citing law paragraphs). and you’d say, “get an insurance, man”, well, I did. see how far I got... yay, i guess…
everything seems like being designed to create you an illusion of having rights. but in the end, when shit hits the fan, it does not matter. the one who has the money/power wins. if you’re just an ordinary fuck with a 30€/mo shit-surance, you can, well, go vent on reddit about your rights and then scroll away your despair on social media consuming more reels…