Pre-paid legal plans are fraught with the rookie syndrome: the providers usually resort to employing newly licensed or trainee attorneys in a cost-cutting exercise. Someone who does mostly wills, trusts, and sample contracts is probably not a good fit for a more complex legal issue like the custody of children. In this day of age of increasing specialization, it is better to ask someone with specialized knowledge and years of experience than it is to rely on a novice with a limited professional track-record.
If you go down the traditional way, then there is restricted pool of attorneys you can choose from.
Your research will be easier and a lot more comprehensive.
You can set up interviews with lawyers, ask for referrals from friends, previous customers or check your local bar association.
You are more likely to get a top-notch lawyer with who to build rapport get competent advice and trust the judgement.
In their lifetime, people are most likely to use legal services that fall into four categories: civil defense, civil plaintiffs, criminal defense, and legal help that involves a variety of transactional or business law.
Your liability insurances already cover you for the legal pertaining to civil defense.
Your insurer hires the lawyer who will defend you and have every incentive to defend you well since they are the ones who bear your legal costs irrespective of the outcome.
In that respect, you already have pre-paid legal coverage in place and a legal plan would not add much to the coverage.
Civil plaintiff attorneys in the Unites States work on a “no win no fee” basis.
This means that they will not charge you unless they win you damages in an insurance claim or lawsuit against someone who caused you physical injury.
Their contingency fees are calculated as a “commission” on any money won, so there is every incentive for your plaintiff lawyer to defend you and defend you well: the more you win, the more he wins.
There is no need to pre-pay for a service where you stand to lose nothing, and where advice is readily available to you from plaintiff lawyers eager to work on your case.
On the rare occasion you need to bring criminal charges if you are involved in a serious accident or defend yourself against criminal charges brought against you, lining up a lawyer to represent you in advance is not the best of decisions.
In these situations, client-lawyer rapport is crucial: you need someone whom you trust, build a rapport with, and competent enough to defend you in a court of law.
You rarely get the chance to talk to your attorney face-to-face in a pre-paid legal plan, and most of the attorneys in the network do not do criminal defense work.
Transactional and business law is the area where you will most probably find pre-paid legal services most effective.
If you frequently need to someone to draft your wills, review simple contracts, and set up advance health-directives or simply want competent legal advice at your disposal, then going pre-paid will save you the trouble of searching for an attorney and paying “a la carte”.
Many people believe they need the services of a lawyer, under a pre-paid legal service scheme, to solve a legal problem or resolve an intricate situation.
Often, your lawyer’s most valuable help could be before you get involved in legal trouble.
When you sign up for a pre-paid legal plan, you have the right to unlimited toll-free telephone access to your attorney.
The sound advice and consultation given to you by your lawyer will help you take the necessary steps to detect and resolve any potential legal problems before they take more dangerous proportions.