What Is Legal Protection Insurance?


Quick Answer

Legal protection insurance provides policy holders with access to qualified legal services and personnel as needed in the future, explains Consumers Unified. The types of attorneys and services provided depend on the individual policy, and they can range from simple consultation and advice to representation for such cases as executing wills and settling estates, traffic offenses, domestic disputes and criminal charges. Typical plans also differentiate between personal legal needs and representation for a business.

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Full Answer

Legal protection insurance has been available in Europe for over a century, but it was not an option in the United States until the mid-20th century, according to Consumers Unified. In 1947, Congress passed legislation allowing employers to provide such insurance as a benefit. Group plans became more common in the 1970s. Along with employers, professional associations or groups also offer group plans.

Attorneys partner with insurance providers to offer services, says Consumers Unified. The most extensive plans have contracts with a range of lawyers and a variety of firms, and such plans have a legal mandate to screen any lawyers with whom they partner. When the lawyers apply to become part of the plan, they must offer crucial information that relates to their qualifications, such as their customary rates and the nature of their legal experience and office or firm make-up.

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