Legal Insurance Advice Wanted

Legal Insurance Advice wanted

One of the things we got at orientation was this 'optional' legal services enrollment form. Basically iy says that for $7.61 a week the driver can buy legal insurance against things that could go wrong for which you will need a lawyer. Then it lists a whole bunch of things that can go wrong and how much each of those would cost to hire a lawyer for if you don't have the insurance. Example, if you get a ticket for following too close, the lawyer's fee could be up to $1200 but with this insurance you'll have a free lawyer.

Frankly, I am very skeptical. It sounds like a marketing ploy. I dislike the insurance industry, as their business is selling fear. I am one of those who never ever buys extended warranties even. Besides, most insurance is a money grabbing scam anyway, because they always try and weasel out of paying claims. Yet, I thought, it can't hurt to hurl this question before the wise and experienced brothers and sisters on this forum.

Is getting such a 'service' advisable?

Not really. If you are a good driver and don't get tickets, you are paying for a service you won't use. If you get a speeding ticket, they plea bargain it down to a non moving/points ticket....like not using seat belts. Don't know what they do about serious accidents.

Laura

Some insurance companies have an add on to homeowners policies that includes basic legal services.

There are many of these services. I have a friend who got a ticket once and for a few hundred dollars he was able to sign up for the service and get the lawyer for that ticket. So, you can basically join these at anytime. I would see if your company will let you sign on to that program later if you feel it's a good deal.