Initially, for cases up to €25,000, a legal expert from the insurer will assist you. If it comes to a lawsuit, you have the free choice of a lawyer of your preference. This can be a lawyer from the insurer, but also a lawyer from outside the insurer. You will then receive reimbursement for that lawyer up to a certain amount.
If experts are also required to produce a report for your lawsuit, those costs (provided they are necessary and pre-approved by the insurer) are often also fully covered.