▁related ▁off ences . ▁M embers ▁of ▁the ▁general ▁public ▁then ▁en quired ▁about ▁joining ▁the ▁scheme . ▁That ▁is ▁when ▁the ▁idea ▁of ▁an ▁ins urance ▁available ▁to ▁the ▁general ▁public ▁became ▁firm ly ▁established . ▁At ▁present , ▁D . A . S . ▁Germany ▁is ▁still ▁the ▁largest ▁legal ▁protection ▁ins urer ▁in ▁the ▁world , ▁followed ▁by ▁A RA G , ▁another ▁German ▁ins urer . ▁Leg al ▁protection ▁ins urance ▁is ▁today ▁well ▁established ▁in ▁Europe ▁and ▁has ▁been ▁developing ▁beyond . ▁The ▁German ▁market ▁alone ▁has ▁ 3 6 % ▁market ▁share ▁world wide , ▁followed ▁by ▁France ▁with ▁ 1 2 %. ▁The ▁European ▁market ▁represents ▁more ▁than ▁ 8 0 % ▁of ▁the ▁global ▁legal ▁protection ▁ins urance ▁market . ▁▁ ▁Pur pose ▁and ▁scope ▁ ▁Leg al ▁protection ▁ins ur ers ▁cover ▁the ▁costs ▁( e . g . ▁legal ▁fe es ▁and ▁exp enses ▁of ▁a ▁lawyer ) ▁in cur red ▁in ▁case ▁of ▁an ▁un for ese en ▁legal ▁matter . ▁These ▁costs ▁usually ▁include ▁lawyer ▁and ▁court ▁fe es , ▁witness ▁exp enses , ▁translation ▁costs ▁or ▁expert ▁fe es . ▁Depending ▁on ▁national ▁law , ▁legal ▁protection ▁ins ur ers ▁also ▁provide ▁legal ▁services ▁and ▁represent ▁policy hold ers ▁out - of - court ▁or ▁in - court . ▁The ▁policy holder ▁is ▁usually ▁protected ▁for ▁disput es ▁in ▁several ▁areas ▁of ▁law ▁such ▁as ▁contract , ▁labour , ▁consumer ▁and ▁family ▁law ▁( in ▁rare ▁cases ▁including ▁divor ce