Our word has become more and more dangerous over the years. Driving down the freeway on our way to work we pass by collisions on a weekly basis. Turning on your local news station will give you even more accident news. With the number of tragedies that strike everyday there is a need for medical and legal resources.

Damage control is something that we naturally do as Americans. We purchase car insurance, home insurance, renters insurance and for some prepaid legal service.

Although an army of attorneys at your beck and call could be nice, there are a number of people that will find prepaid legal service to be a waste of money. If you are injured in a serious accident it would be a good idea to retain a skilled personal injury lawyer. Most personal injury lawyers will offer free consultations and work on a contingency fee. In this situation a prepaid legal service is not the best solution.

For those who are handling their own legal matters, a prepaid legal plain may be a good choice. These plains usually work similar to your medical benefits. You or your employer pay an annual fee and in exchange you are provided with specific legal services which are dependent on your specific plan.

Plans provided can vary. Some plans could include an office consultation, phone consultations and help preparing legal documents. More extensive plans may cover trials and dispute resolutions.

There are two types of prepaid legal plan available to consumers. The first is the basic access plan for employees. This is where a member can easily access legal services through the telephone.

The second type is the comprehensive prepaid legal plan. Aside from the consultation services, a comprehensive plan will usually allow a member to receive employer-funded benefits. Benefits can include negotiations with parties, preparing legal documents and representation in court. Some companies offer legal service coverage for families too.

The big question that everyone wants to know here is this. Is it worth it to purchase a prepaid legal plan? Not knowing what the future holds can be a scary situation for most people. When considering one of these plans I use the following logic. If I were to need legal advice I might purchase the prepaid legal plan but only after I considered other options. Try calling a few law firms to see if you can schedule a free consultation. If that doesn’t help a prepaid legal plan maybe just what you need. Still there may be other situation where you can handle your own claim yourself. The number of self-help articles out there and books available online make it possible for you to gain the knowledge you need at a fraction of the cost.