There's a lot of talk about legal insurance lately, and if you haven't heard of it yet, you probably will by the end of the year (2012). After 40 years of using the hear-say or word-of-mouth tactic to spread the idea that there is such a thing, they are finally just now using the media. The question is, do Americans need legal insurance?
The United States of America is without a doubt the most litigious country in the world. We even have court TV for god's sake. However for some reason we do not have much on the market for legal coverage. Many countries in Europe have legal insurance, and have had it for many years. Germany even has things like liability insurance and renters insurance to protect oneself from landlords and such that might take you to court over any dispute imaginable. Yet we are more prone to engage in lawsuits then even Germany.
The thing about legal insurance and the incorporation of it's services into American society is that most middle class Americans (which are the majority) don't use lawyers unless they have to. Without a legal plan, lawyers are very expansive and always have been. So if you have a dispute with a neighbor, family member or even a bill collector you will most likely have to compare the cost of a lawyer vs the cost of the issue in question before taking it to court. A $120 overcharge on your cable bill is not worth talking to a $200 an hour lawyer about it. The average American tries to deal with the issue him/herself or ignore it unless the issue worsens and one of the parties wants to go to court. Ask anybody you know right now (including yourself) if they have a legal situation, question or anything that relates to your rights and justice, and you will find almost everyone has at least one. The urgency of the issue will determine when we deal with it and usually with very little research on finding the best options, because we don't have time. We have done it this way for generations. Then legal insurance companies come along and promise consultation and representation by quality lawyers for a monthly fee cheaper then any other bill you have. The common response to that is "It's to good to be true" or "I don't need a lawyer right now". In the end it's another thing to research... later, and it goes to the back of our minds.
The United States of America is without a doubt the most litigious country in the world. We even have court TV for god's sake. However for some reason we do not have much on the market for legal coverage. Many countries in Europe have legal insurance, and have had it for many years. Germany even has things like liability insurance and renters insurance to protect oneself from landlords and such that might take you to court over any dispute imaginable. Yet we are more prone to engage in lawsuits then even Germany.
The thing about legal insurance and the incorporation of it's services into American society is that most middle class Americans (which are the majority) don't use lawyers unless they have to. Without a legal plan, lawyers are very expansive and always have been. So if you have a dispute with a neighbor, family member or even a bill collector you will most likely have to compare the cost of a lawyer vs the cost of the issue in question before taking it to court. A $120 overcharge on your cable bill is not worth talking to a $200 an hour lawyer about it. The average American tries to deal with the issue him/herself or ignore it unless the issue worsens and one of the parties wants to go to court. Ask anybody you know right now (including yourself) if they have a legal situation, question or anything that relates to your rights and justice, and you will find almost everyone has at least one. The urgency of the issue will determine when we deal with it and usually with very little research on finding the best options, because we don't have time. We have done it this way for generations. Then legal insurance companies come along and promise consultation and representation by quality lawyers for a monthly fee cheaper then any other bill you have. The common response to that is "It's to good to be true" or "I don't need a lawyer right now". In the end it's another thing to research... later, and it goes to the back of our minds.
It would have to be a mental conditioning and change to allow legal insurance to catch on and be apart of our everyday lives. Then again, with America being such a litigious country I would not be surprised if legal insurance was forced on us like health insurance or even car insurance. I'm not going to say that sometimes we need to be forced to get something for the greater good, But I will say Traffic accidents, Heath problems, and Legal issues happen to us all and most often. What is your plan for dealing with it?
Enoch Bradley has been a part of LegalShield for quite some time now and is excited to tell of his experiences with this service.
You can also get more Info on his website http://www.BizNok.net
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