We all know the importance of having insurance. Health insurance is a billion dollar industry because most people have coverage. Some companies may be considered to be better than others when it comes to the coverage provided, but overall they are all having success. This is simply because people understand there will be a time when they will need medical assistance. Would they prefer to pay one lump sum of what may be a very expensive medical bill, or a small co-pay and maybe a deductible. If they have medical insurance they can definitely choose the second option.
The same goes for car insurance. Without car insurance, you are taking a huge risk when driving your car. Even if you are not actually driving the car, something may happen, such as a hit and run or car theft. It is very simple, if one of these incidents happen to your car, and you do not have car insurance in place, you are pretty much out of luck.
I can go on and on about the different forms of insurance, such as rental insurance, home owners insurance, and so on. The bottom line is, paying a small monthly fee to protect you in the future is the most feasible route to take. This is the reason I highly recommend legal insurance.
According to the American Bar Association, “Americans have come to view legal assistance as a necessity”. Many people may not agree with this until they come across a legal situation and need access to an attorney. Once they are billed for a retainer fee and experience the high hourly cost attorneys charge, they wish there was another option.
This is why legal insurance was put into place over 40 years ago. Because it is not mandatory “so to speak”, many people would rather avoid paying this monthly fee. The great thing about legal insurance is it is the most inexpensive insurance one can obtain. It is less than what you pay for a cup of coffee a day. What makes it even better is this low monthly fee will give you access to many legal services at no additional costs. The same way medical insurance gives you access to doctors, legal insurance gives you access to attorneys. In both cases, you can save thousands of dollars just by paying a small, consistent fee.
One example of someone who used her legal insurance and was extremely happy with the outcome was a woman who used the traffic court representation. She was a New Jersey resident, but traveled out of state to visit her son while he was away at college. The woman left her job, and got on the road to drive out to her son’s college to visit with him for the weekend. After driving a few hours she became extremely exhausted. As she noticed she was way too sleepy to continue driving, she tried to find the nearest exit, but it was a few miles away. She swerved a little due to exhaustion and was pulled over by state police officers. She was given almost $7000 in fines for things such as wreck-less driving, just to name a few. She was so upset all weekend over this and couldn’t enjoy her time with her son.
When this woman returned home, she contacted her legal insurance providers and let them know what had happened. Although she felt she should have received some sort of summons for driving while sleepy, she felt her punishment was a bit harsh and extreme. She explained everything to the attorneys who were assigned to her case. They went to court on her behalf in that other stated and had more than 90% of the fines dropped. She of course had to pay court cost, but she didn’t mind. She was extremely happy that she had legal protection to help her with her legal situation.