Legal Plan: Does Your Family Need Legal Protection?

We all know that America is home to the most litigious society on the planet. A woman spills a cup of coffee on herself and sues the restaurant claiming it was too hot. Or how about the Judge that sued the cleaners for $54 million for losing a suit. If that’s not crazy enough, how about the concert goer, who several years after the incident, sued the rock star for falling on her and injuring her with his buttocks. You can Google “outrageous law suits” and get over 3 million results that include stories even more ludicrous than these. When you consider that there are 3 lawsuits filed in America every second, is it any wonder why legal plans are becoming a big part of the financial and security protection for families and small businesses? Remember, sixty years ago it was uncommon to own a health plan. Today it is uncommon not to have one. And today, many European countries have as much as an 80% participation rate with legal plans. But in America, and Canada for that matter, less than 10% of people have a legal plan.

So a law suit is one thing, but what about the everyday common things that can cause our veins to pop out of our heads. Here’s one:

A father pays for his daughter’s wedding reception to be held at very nice ball room. A few hours into the event, the plumbing goes out. He calls the event manager to request emergency services, and they arrive with a port-a-potty. After the event, when he calls to register a complaint, they offer a small refund of about $100, about ten percent, arguing that the event was almost over anyway. They haggle back and forth, and the owner basically says take it or leave it. The father calls his legal plan provider law firm for assistance. After the law firm writes a letter on his behalf to the business owner, the father receives a refund in the mail for over half of the cost.

Here’s another:

While a neighbor is walking his rottweiler dog, he lets it loose to run and it attacks and kills another a chihuahua dog that was in its own yard. The neighbor quickly retrieves his dog and disappears. When the police are called, they basically tell the dead dog’s owners that there really isn’t much they can do, and that maybe they should call the county animal control. The deceased dog’s owner makes a call to the legal plan provider attorney, and is advised to request that the police take a report and to have the incident on record, and then call animal control with that report number to have them investigate. Subsequently, when animal control does investigate, they find that the attacking dog is not registered, takes it into custody, fines the owner and requires that they register their dog to get it back. Also, a the legal plan law firm writes a letter to the owner demanding a monetary amount for full restoration of the dead dog. The attacking dog’s owner complies.

Having a legal plan to address the small legal issues like these can be quite beneficial to families, especially for the relatively small cost that they charge. Most charge a monthly fee, with the average daily cost being less than the price of a cup of coffee at the local convenience store.

Most legal plan companies will generally provide you with the basics, like phone consultation, letters and phone calls on your behalf, contract and document review, and a general will. And some of the legal plan companies provide more extensive plans that will cover you, at no extra cost, for representation for things like motor vehicle moving violations, IRS Audits, and trial defense services. And even a few provide Identity Theft Protection.

Having legal representation in court for vehicle moving violations – lets call it what it is, speeding – can really be valuable when it comes to car insurance premiums. As it was described to me years ago, “It’s the points, dummy.”. For we all know that for every point on your driving record, or your teenager’s driving record for that matter, your insurance premium will go up – if they don’t drop you altogether. If you can find a plan that offers this coverage – and there are some out there – it could be a huge plus for you pockets.

I won’t even go into depth about dealing with an IRS audit. Plain and simple, when Uncle Sam comes calling, you better answer with a tax attorney.

And as you already read earlier, law suits are getting crazier by the day. And more are being filed than ever before.

So, in summary, when you know that the odds are greater that one will be in court than in the hospital in the next year, the question isn’t “Does your family need legal protection?”, the question is “Can your family afford not to have a legal plan?” After all, with these odds, it goes to say that it’s not if you are going to need an attorney, but quite frankly, when you are going to need one.

Online sports betting sites in the United States

Welcome to the new world of legal sports betting in the United States. The Supreme Court in May 2018 struck down PASPA, the federal law banning single-game wagering. Each state now can set its own rules for online sports betting unless Congress passes a new law. That appears unlikely but not impossible at this point.

Online sports betting sites in the United States

It’s important to pay attention to the laws in each state. Not all that allow legal sports betting will choose to use online or mobile wagering platforms. Some states require that all bets be placed in a land-based casino or by mobile device while within a casino. Some have rules that allow online and mobile wagering anywhere within state lines.

Just because you download an app that is legal in one state doesn’t mean it will work in another. Smartphone apps will verify your location within a legal betting area before allowing you to wager. You will be rejected from betting if outside the legal borders.

Legalization of Drugs – The Addiction Treatment and Education Alternatives

Prohibition may not work, but making drugs legal is no guarantee either. A better strategy might be to fully utilize addiction treatment services.

More and more groups are forming to push the legalization of drugs. There is even a prominent group of law enforcement officials who think that taking drugs should not be against the law. It’s understandable that people, like the police, who fight the never-ending battle against drugs would want to see an end to it. But it’s possible that the real problem is not the drugs, but how we treat, or, more to the point, don’t treat drugs addicts.

According to Law Enforcement Against Prohibition (LEAP), the war on drugs has cost taxpayers more than a trillion dollars since it began nearly forty years ago. There have also been 37 million arrests of non-violent drug offenders, and our prison population has quadrupled. We arrest almost 2 million more offenders every year and, according to LEAP, $69 million will be spent every year this war continues.

Despite our efforts, and all the money being spent, drugs are an even bigger problem than they were when the war began.

Consequently, LEAP members, and many others, believe we should legalize drugs. While not having to track down, arrest and incarcerate drug dealers and drug users would arguably save billions, LEAP also claims that fewer people would take drugs if they were legal. This is clearly an assumption: no one really knows what would happen if drugs were freely available.

It is possible that those who take drugs only because they’re not supposed to – like a child or teenager who will do something merely because their parents said they couldn’t – won’t take them. But it is also possible that those people are few and far between.

However, there are alternatives. The RAND corporation released reports as far back as 1994 showing that drug treatment and education were seven times more cost effective as going through the criminal justice system.

Despite this fact, and even with drug courts being implemented in many states, few non-violent drug offenders arrested ever get drug treatment so they can kick the habit. Some statistics say fewer than 5%.

Getting someone through a drug rehab program, especially at a good addiction treatment center, not only increases their chances of staying off drugs and turns them into productive citizens, it also saves a lot of money – just like the RAND corporation said. It costs about $6,000 to get an offender through drug rehab, and about $26,000 to incarcerate them.

Aside from these direct cost savings, we also save money on repeat offenses. According to recent statistics, incarcerating offenders for the second or third time eats up the lion’s share of the budget. If drug offenders were no longer on drugs, and no longer committing drug-related crimes, the chances of them going back to jail would be greatly reduced.

But there’s something wrong with how the drug court system is being used. Reading about the various courts and their graduates, you often see numbers like ‘eight’, or ‘forty-five.’ How can so few people be enrolled in these programs when they have proven to be so successful and when we have a problem of gargantuan proportions?

With two million people a year being arrested, it seems unlikely that only single or double digits would wind up in drug court rehab programs. And what about the millions already incarcerated – why aren’t those non-violent drug offenders being diverted to drug rehab programs?

Concerned parents and other citizens should demand changes in this system. Getting drug offenders off the street temporarily isn’t enough. As long as there’s a market for drugs, there will be suppliers. Only when we rehabilitate drug offenders and users will we truly turn the corner in the war on drugs.