Saturday, December 12, 2009

Motor Vechicle coverage. PPL services

Under this part of the Pre-Paid legal membership you get coverage for moving traffic violations at no additional cost to you. For instance, I got my first speeding ticket and was going 80 in a 55. I use the free consultation and advice part of the membership to get the understanding of what I was to expect because I had never even been pulled over until this point. I also had not received any information on the ticket in the mail other than what was on the print out for a court date in that city. The attorney told me to go to that office and present the ticket and pay the fine. I did and completed the traffic school on-line. For my friend it helped him in a really good way when he got a ticket in Vegas on his way home. He called the law firm in California about the issue and they called the law firm Nevada. The Nevada attorney went to court on his behalf and got the fine reduced from a speeding ticket to a parking ticket and a small fine. Now that s awesome!
The other part of this section is for the most serious and unfortunate situations that people may go through in life. Your Provided Law Firm will defend you or your covered family members who are any children under 18 living at home, under 21 in college, any dependent that you have legal custody of, and any person who is mentally or physically challenge living at home. The Law Firm will cover your family when you are charged with Manslaughter, Involuntary Manslaughter, Negligent Homicide, or Vehicular Homicide, at no added cost to you. This all of course if there is no alcohol or drugs involved in the incident. A great example of this situation happen to a 18 year old girl who got in a accident coming home from a get together and the driver of the other vehicle died. Her mother who was about to cancel the membership called the 24 hour part of the service and the Law Firm helped them out and they didn't have to pay for anything and she was cleared of any charges and never spent a night in jail. I know that anyone in this situation who spend anything they had to keep their child out of jail and is other reason why I am so glad that I have this membership. You never know if something like this will happen to you, but it is nice to know that if it did that you would be covered.

Tuesday, December 8, 2009

Title 1 coverage in Pre-Paid Legal, Part 2

Part 2 to the title 1 Preventive coverage to the membership is the contract and document review and Will preparation. Video

Contract and Document Review-
In this section you have the ability to have a unlimited number of personal documents review for you at no charge. The limit of pages is ten, but after using the free consultation the attorney could narrow down the ten pages he or she really needs to help your situation. This really helped us on a couple of issues with over charges and other situations we needed there advice on. We walked away pleased with how they handled everything.

Will Preparation-
With your membership you are provided with a standard will that will meet most of any one's needs. Then you can have it reviewed and update the will each year at no charge. A normal will on-line with Legal Zoom or even from an attorney can cost anywhere from $50 to $100 or more. With this membership you get it for free. All you need to do is fill out the Will questionnaire which will include a living Will, Power of Attorney, and a Minors Trust.

When my wife and I saw this membership, we wanted primarily for this part of membership because we didn't want the State to dictate where are children would go if something were to happen to the both of us. Our children were 3 and 1 1/2 at the time. We didn't have much to fill out on the questionnaire but got back about a 80 page document that covered every legal matter we had encase something did happen to us. Since most people do not think of having a will until they wished they had one. We didn't want that to be us and are glad we made the decision to get the membership.

Monday, December 7, 2009

Pre Paid Legal Services Title 1 coverage

Title 1 in the Pre-Paid Legal membership plan covers many areas of normal life situations that we normally wouldn't think of as being a legal issue because of money. This Preventive legal section of the membership is just that, to prevent the legal issue that you have from becoming bigger. Under the Legal Consultation and Advice, a member can call the law firm for legal advice on everyday issues as well as important decisions like buying a house or a car. You get this advice without the huge legal bill in the mail. You also get answers on pre-existing conditions that happen before you got the service.
I have use this one section in my four years of having the service about three to five times a year from information on patents to copyrights, and other legal issues that I will talk about in the next section. I have also have members who have had great experiences with this one area and have said it had saved them hundreds of dollars in legal fees because this section is covered in the membership. The flip side of some bad experiences or just high expectations of the attorney's advice left them puzzled. The good part about a bad experience with an attorney in this membership is that you can simply call customer service and demand to talk to another attorney for free. If you were paying for an attorney and were having a bad experience or think he wasn't giving you the answers you like. Would most people just call up another attorney and pay more money for consultation and put more money down to sit with them and pay by the hour to get your answers.
The next section to the Title 1 benefit is the Letter and Phone calls that are made on your behalf for any subject matter. Business owners get up to 2 business letters or calls made on your behalf each year. This section alone was worth the money for me, because of the times where you know you are getting ripped off by a company and have been put on hold to many times. All you want is a refund or a respectful response from the company instead of the run around. My wife have discovered that a pest control company had taken one more payment out of our account than they were suppose to and so after all the research of evidence my wife collected. The customer service people handling the call made my wife cry and feel like was wrong for even calling. Then after I had heard about what happen I told her to call the law firm. She used the Consultation part of the membership and talked to an attorney who told her to fax the info and that he would used this section of the Title 1 benefit to the company. The letter was sent on a Friday and on the Monday she called the company and even before she could tell them her name, they responded with "Hello Mrs. Kaustinen, how can I help you today?" Needless to say the situation went in our favor and moved on with our lives. The question I would like to ask you that read this post. Would you call your local attorney and pay 2 or $300 to solve this problem? The best part for us is that we didn't get a bill in the mail and the money we saved on the issue paid for membership for the year.
This is only half of the Title 1 benefit your family gets for less than a cup of coffee a day. The second half of title 1 will be discussed on the next post. For more information about this service go to Legal Help and see what else you get.

Sunday, December 6, 2009

National Survey on American Revolution

National SurveyThe American Revolution Center commissioned the first national survey to assess adult knowledge of the American Revolution. The results show that an alarming 83 percent of Americans failed a basic test on knowledge of the American Revolution and the principles that have united all Americans... Read More »»