If you find yourself in trouble with the law or in need of legal advice, you’ll seek out a qualified, experienced attorney. But what if you could be prepared with a plan ahead of time, should the need for legal counsel arise? Many people don’t realize that they can have affordable legal services prearranged for almost any type of situation. Legal insurance plans allow you to pay a nominal monthly rate to ensure coverage and eliminate hefty hourly fees. Since there are many who are unfamiliar with the process, we’ve gathered some frequently asked questions about legal insurance:
Is legal insurance like health insurance?
In certain ways, yes! Like health insurance, a legal insurance plan allows you to pay a monthly fee in exchange for comprehensive coverage. However, legal insurance is typically much less expensive than many health insurance plans, and, in most plans, you are not required to reach a deductible or provide a co-pay.
What do legal insurance plans cover?
Legal insurance can come in handy for a variety of situations throughout your lifetime — even in ways you may not have thought of. Although at least 66 percent of divorced couples in the United States are childless, if you’re going through a divorce or a custody battle, you’ll be in need of legal assistance. If you’re buying or selling a piece of property, you’ll want a lawyer by your side. The outcome of adoptions, estate planning, living wills, DUIs, and landlord troubles are often improved with the help of legal services, and depending on your plan, you can be covered in these situations.
How does legal insurance work?
By paying your monthly fee, you gain access to a huge network of licensed and experienced attorneys from across the state. You will receive the same high caliber of legal help as anyone else might, but your insurance covers the hourly attorney fees — which, depending on your case, could be a significant amount. Spouses and dependents are eligible for coverage, too. Just fill out an application to get started.
Can I choose my own attorney?
Yes! You can choose your lawyer from our group of participating attorneys or from the 85,000 other licensed attorneys from across the state. You will never be randomly assigned a lawyer, and as part of your plan, you can consult with an attorney before deciding to hire him or her.
If you have further questions about obtaining legal insurance plans, or specific questions about what issues are covered, be sure to contact us today. As a nonprofit, member-driven organization, our mission is for every Texas resident to have access to affordable and comprehensive legal protection.