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For Pre-Paid Legal it really depends on your situation. If you travel a lot or have teenage drivers, then the family plan is worth it in order to keep your auto insurance rates down in case someone gets a speeding ticket. If you do not have a current relationship with an attorney, then they will refer you to an attorney that specializes in your legal issue at reasonable rates.

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Q: Is prepaid legal services inc worth having?
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What are opinions on Prepaid Legal Service?

It's like having a subscription or insurance for quasi-routine legal issues. The services covered or provided in the approximate $200 per year fee must be new (no pending or ongoing issues). My brother-in-law worked for Prepaid legal and gave me a "membership" for 2-3 years. the only time I asked for their help was in regards to a lease and eviction while renting my basement studio apt. Prepaid legal was less help than the local Sheriff's office and a local mediation office (free to city residents). They refused to put anything they told me in writing. They said if I needed to file a suit and/or go to court, they would provide an attorney to do that but only up to a certain cost and then I would be charged $185/hr. Basically, it might be worth it if you regularly need to fight traffic violations or maybe a DUI, or have kids that do. They will write wills and basic docs like that but you can get forms online to do that for free.


Prepaid Legal Services Are They Worth The Money?

You may be covered when it comes to health, life, car or home insurance… but what about legal coverage?Due to sky high attorney fees and the anxiety involved in the search for legal services - most Americans have not used a lawyer more than once, or not at all.Even so, if high attorney fees are keeping you from seeking the legal help you need; perhaps prepaid legal insurance is the answer you have been looking for.The concept of prepaid legal insurance is simple: for a fixed monthly subscription fee, you are given telephone access to get advice from a lawyer - similar to electronic tech support.In order to defray the cost of future legal services, clients are required to pay a monthly fixed amount.What Type of Services Are Offered?The services cover anywhere from reviews of simple legal documents and the writing of a simple will to more comprehensive coverage of trials, divorce, and bankruptcy and real estate issues.Pre-paid legal coverage is a very attractive proposition for people who don’t have the resources to retain a lawyer on a regular basis whenever they need assistance. With prepaid coverage you have a network of attorneys at your disposal that you can use as retainer to seek preliminary advice whenever legal matters arise. Any services that are not covered by your plan are available to members at a discount on regular hourly rates or flat fees.Some Flaws to Consider With Prepaid LegalPrepaid legal is like any other form of insurance; you pay premiums just in case something happens. You have the peace of mind in the event services are needed. Nevertheless, more than half of new subscribers drop out of a prepaid plan during or following their first year. Undoubtedly one of the main causes is that many members find that they do not require any legal assistance during their initial year of membership, and cannot afford the extra expense, so they elect to opt out of the service.Another reason is the types of services offered are very basic and limited in nature. Most plans have certain caps or maximums as far as the benefits being provided but claim to offer discounts on the standard sky-high attorney fees instead. However, by simply calling around you could probably negotiate a lower rate.Another problem with pre-paid legal plans is the likelihood of getting assigned to a novice attorney. Because of cost considerations, many of the companies behind per-paid services assign trainee or inexperienced attorneys to handle phone consultation and the drafting of simple legal documents. You are also less likely to build rapport and understanding, two of the most important attributes of choosing a good attorney, as over 90% of the work is done over the phone.So, do you need the additional expense of prepaid insurance? Well, if it's a matter of preparing forms, most individuals can get away with DIY forms available online and at office supply stores. But if on the other hand, it is a serious legal matter; your best bet is to call a reputable attorney.[video=]


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