Is Legal Insurance Worth It?

Never considered legal insurance because you don’t think you’d use it?

Consider how often you might. For example, have you ever wanted to dispute a speeding ticket? Needed a contract reviewed? Wanted help with aging parents’ needs? 

An on-call attorney is a powerful ally—and one can be yours for about the cost of a gym membership each month. 

In fact, that one use can pay for years of premiums. That’s especially true when today’s average hourly lawyer rate is $257 an hour. How is this possible?

What is Legal Insurance?

Mercer Indigo gives you access to quality legal insurance, like what many companies offer in their employment packages. 

What it does is connect you with a local, knowledgeable network attorney of YOUR choice. It’s specialized legal help for covered needs you may have every day, such as setting up powers of attorney or tackling insurance disputes.

How Does It Work?

Once you enroll in coverage, you just pick up the phone when you have a legal matter you want help with. There’s no limit to consultations. You can visit with a network attorney of your choice either locally in person, or over the phone. 

• Personal consultations for covered services are 100% paid-in-full, after a small deductible.
• Create legally valid documents specific to your state, such as basic wills, trusts, healthcare directives, power of attorney, and others.
• Includes document and contract reviews, such as real estate purchases and sales, leases and rental agreements, confidentiality and employment contracts, and even loans and promissory notes.
• Includes drafting letters, where you may want to challenge a decision or signal your intent, such as an insurance denial or an inheritance issue.

What’s more, legal insurance helps you avoid a rush to find an attorney when you need one. You don’t risk being “screened away” either, wasting your time. You’re connected to a network of local attorneys ready to help. 

Why a Network is Better

A family law attorney is not necessarily the best choice to help you navigate a real estate purchase. A legal insurance network offers specialists in:

• Family law and child support. Even issues as simple as name changes due to marriage are subject to state requirements and may require an attorney’s insight.
• Real estate. Helps ensure easier sales and purchases, with an advocate representing you.
• Estate planning. If you have life insurance, you need a trust established for your child(ren). That’s just one example where you need an attorney, even if you’re NOT rich!
• Civil damages. Often needed in instances of car accidents, where one driver may have been under or uninsured to recover lost income, medical bills or vehicle damages. Also, workman’s compensation disputes typically need a lawyer’s guidance.
• Criminal and court. Even misdemeanor cases may require an attorney to protect your rights.

While you will still pay filing or court fees, with legal insurance your savings on attorney fees can be in the thousands. 

How to Get a Quote

Just check out Mercer Indigo. Visit the Legal product page to learn more and get started on finding a Legal Insurance Plan.