Pre-paid legal: Are you really going to use it?

| Total Words: 417

Are you enrolled in a pre-paid legal plan and worried your provider is simply tallying up your tab for a service youll never get to use? Read on as we explain the chances of using pre-paid legal services in legal challenges you may be faced with.

In their lifetime, people are most likely to use legal services that fall into four categories: civil defence, civil plaintiffs, criminal defence and legal help that involves a variety of transactional or business law.

Your liability insurances already covers you for the legal pertaining to civil defence. Your insurer hires the lawyer who will defend you and have every incentive to defend your well since they are the ones who bear your legal costs irrespective of the final outcome. In that respect, you already have pre-paid legal coverage in place and a legal plan wouldnt add much to the coverage.

Civil plaintiff attorneys in the Unites States work on a no win no fee basis. This means that they will not charge you unless they win you damages in an insurance claim or lawsuit against someone who caused you physical injury. Their contingency fees are calculated as a commission on any money won, so there is every...

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