Pre-paid Legal Services---yes Or No?

Topic 23869 | Page 1

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Michael B.'s Comment
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Like many of you I was offered to opt into a pre-paid legal program by my company. Usually I would scoff at pre-paid legal services but with trucking idk. What experiences do you have and I would appreciate your pros and cons. I initially bought into it but now I am questioning my choice. With experience behind the wheel comes comfort in my abilities. The more I drive and the more experience I get the less it seems I would need these services. It seems like such a no-brainer in orientation but now I realize (rightfully so?) that speeding tickets, over weight tickets etc are hard to get if I do what I am supposed to do. To keep this service or to drop it?

David D.'s Comment
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First off make sure you know what you're getting. Many prepaid legal plans are just some sort of discount, kind of like dental insurance. As for the second part, I'm pretty sure you're right. If you don't speed why would you worry about speeding tickets. If you're not overweight why would you worry about a weight ticket. Even then, if you don't get a lot of tickets it won't put your license in jeopardy so why worry about it. Like you said, if you stay out of trouble you won't need a lawyer. I'd save my money and put it in a savings account. If you need a lawyer you'll have the money for one, it you don't need one you'll have a little nest egg for that new bass boat or whatever. This kind of gets to something my dad told me a long time ago, insure for the things you can't afford to pay for, out of pocket. That's things like your house, car etc., not the little annoyances in life.

G-Town's Comment
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David I totally disagree...

Here is just one thread discussing the benefits of this protection:

CDL Protection Insurance

Please use the search bar to locate other threads discussing this topic.

CDL:

Commercial Driver's License (CDL)

A CDL is required to drive any of the following vehicles:

  • Any combination of vehicles with a gross combined weight rating (GCWR) of 26,001 or more pounds, providing the gross vehicle weight rating (GVWR) of the vehicle being towed is in excess of 10,000 pounds.
  • Any single vehicle with a GVWR of 26,001 or more pounds, or any such vehicle towing another not in excess of 10,000 pounds.
  • Any vehicle, regardless of size, designed to transport 16 or more persons, including the driver.
  • Any vehicle required by federal regulations to be placarded while transporting hazardous materials.
Brian's Comment
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I don't think it's a bad idea at all to have. If I remember correctly Schneider offered it back when I was with them but declined merely because I was too young to realize how valuable such a service can be.

You said

"but now I realize (rightfully so?) that speeding tickets, over weight tickets etc are hard to get if I do what I am supposed to do. To keep this service or to drop it?"

But truck driving is much more than that. What about that driver that almost comes to a complete stop on the freeway in front you because they were trying to figure out if the next exit is theirs or not. Better to have it than not need it. You never know.

Grumpy Old Man's Comment
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Insurance is ALWAYS a waste of money. Until you need it. Then it was worth every penny.

Steve L.'s Comment
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I’ve not needed it in four years. The only citation I’ve gotten (left lane violation in NC) probably wouldn’t have gotten reduced or changed.

But, if you’re okay with the payment and what it covers, maybe keep it.

Mike D.'s Comment
member avatar

What G-Town and Grumpy said. But what a great topic to bring up Michael.

Mujaahida D.'s Comment
member avatar

Insurance is ALWAYS a waste of money. Until you need it. Then it was worth every penny.

So true Grumpy

cheers

andhe78's Comment
member avatar

Definite yes for me. I’m in the company offered legal plan, $2.98 per week. Clipped an illegally parked truck while out of hours early in my career. I got the book thrown at me. Called up the legal plan’s number, emailed them all the info, tickets, and pictures. They actually had a record of how similar cases had gone in that specific court. They updated me every week, with a lawyer handling the case. The whole thing ended up being dismissed. Best $12 a month I’ve spent.

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