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Pre-paid legal plans- Worth the Cost, or Not?
Are you signed up in a pre-paid legal plan and worried your provider is
simply racking up your tab for a service you’ll never get to use? Keep
reading as we discuss 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 defense, civil plaintiffs, criminal defense and
legal help that involves a variety of transactional or business laws.
You are already covered for civil defense by your liability insurance. Your
insurer hires the lawyer who will defend you and have every push to defend
you well since they are the ones who bear your legal costs irrespective of
the final outcome. In that manner, you already have “pre-paid legal
coverage” in place and a legal plan wouldn’t add much to the coverage.
Civil plaintiff attorneys in the U.S. work on a “no win, no fee” guideline.
This means that they will not charge you unless they win you damages in an
insurance claim or lawsuit against someone who has caused you physical
injury. Their contingency fees are calculated as a “commission” on any money
won, so there is every incentive for your plaintiff lawyer to defend you and
defend you well: the more you win, the more he wins. There is no need to
pre-pay for a service where you stand to lose nothing, and where advice is
readily available to you from plaintiff lawyers hoping to work on your case.
On the rare occasion you need to bring criminal charges- like if you’re
involved in a serious auto accident- or need to defend yourself against
criminal charges brought against you, hiring a lawyer to represent you in
advance is not the wisest of decisions. In these situations, client-lawyer
rapport is critical: you need someone whom you can trust, build a bond with
and someone capable enough to defend you in a court of law. You seldom get
the chance to talk to your attorney face-to-face in a pre-paid legal plan,
and most of the attorneys in the network do not do criminal defense work.
Business and transactional law is the area where you will most likely find
pre-paid legal services most useful. If you often need someone to draft your
wills, review simple contracts and set up advance health-directives or
simply want competent legal advice at your disposal, then going pre-paid
will save you the trouble of searching for an attorney and paying “a la
carte”.
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