【事先经保险人书面同意支付的其它必要的、合理的费用（以下简称“法律费用”）】这句话用legal costs 没有扩大责任范围.问题主要在 expenses, 但原句子已有限定是经保险人同意的费用（expenses incurred with the consent of the insurer）,所以不该有扩大的风险.
翻译： After an accident has happened, if the insured is sued for arbitration or in a court of law, the arbitration or court fees incurred by the insured and other necessary, reasonable expenses (hereinafter called Legal Fees)which the insurer has agreed in writing, shall be borne by the insurer in accordance with the agreements specified in the insurance contract.
【英语牛人团】