2.2.5 Criminal legal expenses cover (V), Legal Expenses Insurance, Basis Plus

for the defence when you are accused of a criminal misdemeanour. (Misdemeanours are criminal offences punishable with a minimum penalty of imprisonment of less than one year or with a fine.) You have cover under the following conditions:  The misdemeanour is punishable by law when committed intentionally and when committed negligently, and  you are accused of negligent conduct. If, however, you are accused of intentional conduct, you initially receive no legal expenses cover. If you are not convicted of intentional conduct, you receive cover retroactively. If the accusation changes to negligent conduct during the proceedings, cover exists from that point in time. In the following cases you therefore have no cover:  You are accused of a felony (for example perjury, robbery). German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only.  You are accused of a misdemeanour that can only be committed intentionally (for example insult, theft, dangerous bodily harm). It makes no difference whether the accusation is justified or how the criminal proceedings end. For traffic legal expenses cover the following applies by way of derogation (V): If you are accused of a traffic law misdemeanour, that is, a misdemeanour connected with waterway traffic, you receive cover. Exception: a court establishes with final effect that you committed the misdemeanour intentionally. You are then obliged to reimburse us for the costs incurred. You have no cover if you are accused of a felony. (A felony is a criminal offence punishable with a minimum penalty of imprisonment of one year.)