Without knowing specifics of the legal plan you are thinking of buying with your car insurance policy, I cannot advise you on what the benefits could be.

CarInsurance.com does not currently sell any pre-paid legal policies. There may be legal coverage through your normal car insurance policy coverages that you may want to check on before buying additional legal coverage. Speak with your insurance agent to find out if your current policy provides a legal defense for you and other drivers on your policy.

Normally your liability coverages of bodily injury and property include a legal defense as part of your coverage. This coverage usually provides for a legal defense if another party in the accident files a lawsuit against you. Coverage is limited to the terms and conditions contained in your policy.

You will need to look into any additional legal insurance to see if it offers anything extra that you feel is necessary for you and your household. If you are concerned with lawsuits being brought against you after an accident then you may want to up your liability limits and perhaps obtain an umbrella policy to protect your assets.You can obtain an umbrella policy with our partner Safeco by following this link or calling 1-800-936-0356.

Typically, a pre-paid legal policy is used to help offset or pay for the cost of future legal expenses. It is used to give you easy access to an attorney at a significant cost savings for legal advice. Typically, it is sold with an auto insurance policy in order to assist with legal matters related to driving (speeding tickets, etc.), but many plans have added value. For example, they may cover divorce costs, alimony, DUIs and much more.

To be clear pre-paid legal services offer specific services for a reduced price. You pay your annual fee and the plan pays the lawyer bills for legal expenses related to those defined coverages in the service plan. Legal insurance can also include coverage of specific legal services, but its main function is to protect an individual against all legal costs.