Legal Coverage For the Family

When you think about protecting your family from unforeseeable disasters and financially draining situations are you thinking of the different type of insurances to use for the protection of your family. If you are only thinking of insurance policies then you may not be adequately covering your family. Sure, you can have all the insurance policies you think your family will ever need like automobile, life, home, medical, and business insurance. However, non of these insurances will ever cover you and your family in legal matters not even your car insurance will cover your legal need and expense if you are ever charged with vehicular manslaughter. In fact, your insurance company may even drop you from coverage. What would you do in this situation?

The obvious answer would be is to seek legal counsel; however, the time to look for an attorney is not in your time of legal need. The reason for this is that it takes time to find the right lawyer to handle your particular situation. The attorney you ultimately choose needs to be board certified and he or she must have trial experience and be an expert in the area of your legal need. Based on your legal situation time may be critical to you obtaining a propitious outcome. In this case, you will not have the time to search for a good lawyer. Therefore, it is important for you to know what all lawyers and law firms are not created equal.

The next area of consideration is the affordability of obtaining legal counsel for you and your family. The cost of obtaining a good lawyer is not cheap. Once you have chosen a lawyer the cost for this attorney could range from $200 to $500 an hour and at 75 hours, the cost of obtaining legal service would be $15,000 to $37,500 just for the cost of obtaining legal services from a lawyer. With the cost of the other legal fees like court cost etc., should you lose the case, could be financially devastating to most middle class families. Even now with the economy the way it is, the crisis with the mortgage companies and foreclosures the need for legal counsel is even more necessary than you could imagine. With the disaster with hurricane Katrina, attorneys could have helped many of the families that were victims of hurricane Katrina.

At this time in your family’s lives, can you pick up the phone and talk to a lawyer on an unlimited subject matter without it costing you anything? It would be nice to have most services already paid for through an affordable monthly membership like the way insurance companies provide insurance coverage. However, with insurance policies you have to wait for something bad to happen to take advantage of your insurance benefits. Still it is nice to have those benefits in place when the need arises. Like wise with legal services, it is better to have a law firm you can call on, on a daily basis, for an unlimited subject matter without it costing additional money for the coverage. The need for a service like this is highly needed in today’s society. Coverage for you and your family can begin from the moment of your enrollment. When family means everything to you, getting a membership is a no-brainer.

The legal needs of a family may not be that obvious to most families and therefore, most families may be oblivious to their current and not so apparent legal needs. However, I can point out one very serious current legal need that most people have today and that is having a Will in place to cover your Estate and to care for your love ones once you have passed. Having a Will in place lets your love ones know how much you loved them and are still looking out for them even after your passing. It is the ultimate expression of love. However, over 70% of North Americans do not have a Will in place and as sad as that is most will pass without one in place to cover their love ones. A reason or tow of why this is so could be because the cost of having a Will created and updated yearly is cost prohibited in most family’s budget or may be people may feel that they do not have much or anything to leave to their family members. This may be so for material things; however, if you have children you should be the one who decides where your children should go to be raised and by whom. If you do not have a Will in place in most cases, the state will make the decision of where your children will go and who will raise them and you may not link their choice. You may have other family members who will be glad to care for and raise your children after your passing. You can make sure this happen with this stated in your Will.

In conclusion, you may have copious amount of insurance, however, it does not cover your family completely. Thus, just one lawsuit or legal matter can turn a family’s lifestyle around and financially bankrupt a family. However, this does not have to happen to families now that someone has created a way for people to obtain legal services via simple membership plan that covers most legal services that a family will need on a day-to-day basis. The product is like having legal insurance, which actually levels the legal playing field, and making Equal Justice affordable for the masses.