Prepaid Legal Services/insurance Plan

Topic 27056 | Page 1

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Rob T.'s Comment
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Anybody have one? From my understanding they take a few bucks a week and if/when you need an attorney they take care of finding some in the area the litigation will take place. If you have one what are the pros and cons?

I would think from a long term financial standpoint it's better to put that money into a savings account and use it for that purpose if/when you need it but just looking for opinions. I was quite surprised to see what attorneys are charging.

Banks's Comment
member avatar

I thought about signing it up for it, but like you I thought I'll just save the money for if/when. I know attorneys are expensive, but I figure how often have I hired a lawyer in my lifetime? A couple of times for some traffic violations a couple long time ago and that's it. If I put money into this fund and I never use it, that's a waste.

If you do consider signing up I'd get all the info first. Is there anything I can't use this for? Do I get to pick my attorney? Is there a limited pool of attorneys or can I pick anybody? What happens to the money if I never use the service? Do I pay upfront and get reimbursed? And anything else you can think of.

Rob T.'s Comment
member avatar

I thought about signing it up for it, but like you I thought I'll just save the money for if/when. I know attorneys are expensive, but I figure how often have I hired a lawyer in my lifetime? A couple of times for some traffic violations a couple long time ago and that's it. If I put money into this fund and I never use it, that's a waste.

That's my thought exactly. I did a quick search last night and found "legal shield" that is $24.95 a month that covers any reason I'd need an attorney. I'll be 30 next month and need an attorney for the first time in my life. If I would've got a plan when I turned 18 I'd be out a ton of money in comparison to what my current situation is gonna cost me.

Banks's Comment
member avatar

double-quotes-start.png

I thought about signing it up for it, but like you I thought I'll just save the money for if/when. I know attorneys are expensive, but I figure how often have I hired a lawyer in my lifetime? A couple of times for some traffic violations a couple long time ago and that's it. If I put money into this fund and I never use it, that's a waste.

double-quotes-end.png

That's my thought exactly. I did a quick search last night and found "legal shield" that is $24.95 a month that covers any reason I'd need an attorney. I'll be 30 next month and need an attorney for the first time in my life. If I would've got a plan when I turned 18 I'd be out a ton of money in comparison to what my current situation is gonna cost me.

Quick math has that at about 3,500 dollars. In my experience a good traffic attorney costs about 500 dollars (at least it did the last time I used one about 5 years ago). I have no idea what it costs when your CDL is involved, but I'm sure it's a lot less.

I'm with the popular vote on this and I believe you'll walk away unscathed. I also know that doesn't make you feel any better and you won't feel any relief until this over with.

Ending up on legal shield tells me you're doing a lot of googling. From my experience, when looking for an attorney avvo works best. You can customize your search, ask questions and get real reviews.

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.
Rob T.'s Comment
member avatar

I'm with the popular vote on this and I believe you'll walk away unscathed. I also know that doesn't make you feel any better and you won't feel any relief until this over with.

Ending up on legal shield tells me you're doing a lot of googling. From my experience, when looking for an attorney avvo works best. You can customize your search, ask questions and get real reviews

Thanks, I actually did find Avvo and found a local guy im thinking I'll be going with who specializes in cases when a CDL is involved, and one of his partners is a former prosecutor of 7 years . It's going to cost about $600 in attorney fees IF it goes to trial, so I would've spent more on that insurance if I'd gotten a plan when I started driving 2 year and 3 months ago than this will.

I appreciate the feedback and it sounds like you and I are both on the same page about these plans!

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.
Dave Reid's Comment
member avatar

I would keep the money. Drive safely and legally - chances are you'll never need the legal help. If you do end up receiving a citation, then find a local attorney (near the jurisdiction where the ticket was issued) that does traffic violations AND has experience with the transportation industry....pay them.

Anybody have one? From my understanding they take a few bucks a week and if/when you need an attorney they take care of finding some in the area the litigation will take place. If you have one what are the pros and cons?

I would think from a long term financial standpoint it's better to put that money into a savings account and use it for that purpose if/when you need it but just looking for opinions. I was quite surprised to see what attorneys are charging.

Rob D.'s Comment
member avatar

Based on what I know about prepaid legal services, the attorneys who contract with those services get paid very little from the prepaid legal plan compared to their regular paying clients. Therefore, they tend not to put a lot of time and effort into representing their "plan" clients. You're better putting that money aside in a "legal defense" account to hire a quality attorney when you need one.

HOS:

Hours Of Service

HOS refers to the logbook hours of service regulations.
ChrisEMT's Comment
member avatar

I had it the entire time on the road. My company charged me somewhere in the range of $5 or $6 a week, for the first 4 weeks a month. Well worth it, especially if you get into a bind. Better than having to come up with a retainer of $2-3k and get charged outrageous amounts per hour... and some will help you fight traffic tickets (in your truck or personal vehicle)... Just my $.02

Lusion's Comment
member avatar

I’ve always carried prepaid legal even back when it started as an mlm company. Now I carry it through MetLife and I use them all time. Any contract I have encountered has gone through them first for review.

andhe78's Comment
member avatar

I had it during my time on the road. Only used it once, but the results made it probably the best $2.50 a week I’ve ever spent. Still have a driver legal service, but it’s through the union now.

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