Legal Insurance

[equinox]

I believe in having insurance against large catastrophic expenses. For example, I have no idea why you need insurance to have your teeth cleaned. However, if i get arrested or if I need a lawyer whose cost isn't covered by,say, homeowner's or Automobile insurance, that could be a financial catastrophe. Why don't we have insurance to protect us from exorbitant lawyer's fees? Maybe there is such a thing and I don't know about it. In fact, If all citizens were required to carry legal insurance, would that not eliminate the need for public defenders paid for by the taxpayers? Am I wrong? If this turns out to be a good idea, I claim it. I want to have the first legal insurance company, so don't steal my idea!

[equinox]

Or I'll sue you!

[Dougles]

What you talk about was the oringinal purpose to insurance. It wasn't to cover your doc or dentist visits, it was to cover a heart attack, major dental work and other things.

But then, someone crazy group decided that the poor couldn't afford these services on their own and mandated they be covered. Again it was a case of screwing 90% of people to please 10%... a liberals motto!

We should go to a sinlge payer (private with govt oversight) system for catastrophic coverage and people should be forced to pay for their day to day care. This would make people more responsible in the costs of HC and the use of it!

[nogods]

Why don't we have insurance to protect us from exorbitant lawyer's fees?

There are Pre-Paid Legal Services Plans available but they mostly cover routine civil matters and minor criminal matters.

The fees you pay to keep your freedom when charged with a serious crime are not "exorbitant" - they are the best you can afford, and even then they are sometimes not enough. Leona Helmsly and Martha Stewart had way more resources than most of us could ever expect to have, and both ended up convicted.

Personally, I'm all for prepaid legal service plans covering all legal services, including felony charges, and to keep costs reasonable per person, everyone would have to be required by law to participate.

[equinox]

There are Pre-Paid Legal Services Plans available but they mostly cover routine civil matters and minor criminal matters.

The fees you pay to keep your freedom when charged with a serious crime are not "exorbitant" - they are the best you can afford, and even then they are sometimes not enough. Leona Helmsly and Martha Stewart had way more resources than most of us could ever expect to have, and both ended up convicted.

Personally, I'm all for prepaid legal service plans covering all legal services, including felony charges, and to keep costs reasonable per person, everyone would have to be required by law to participate.

See how lovely bipartisanship is. We are different, but we've found common ground. My faith is restored. Personally, the fees I pay to keep my health are not exorbitant. I want to pay for my day-to-day health care. Short term drug therapy. I want to insure myself against the things I could never afford....major trauma, cancer, cardiovascular disease.

[nogods]

I've always been for universal health care and universal legal care.

The United States has long since passed the point where we should have been providing health and justice to all.

[equinox]

So they tell you that a lawyer will be appointed if you cannot afford one. How is it verified that you cannot "afford" one. If a lawyer is assigned, I presume the taxpayers pay his fee. Who determines the fee? Is it like doctors and worker's comp?

[Sylvan]

Why bother with insurance of any kind? Life itself has its expenses. Isnt it the job of a parent to teach children the ethics of work and finanial security? Isnt the parent and loved ones supposed to teach children the wisdom of life and how and what to prepare for?

Screw your insurance! Get a clue and some ambition, work, and pay for what lifes journey brings you!

There are too many entitlement minded deadbeats in this country with no ethics, reasonable principles, and values that are half ass and backwards.

The more and more that we as a culture go on "treating symptoms" instead of "curing causes" the worse life and liberty is going to get for all of us.

We already went from republic to democracy, and now democracy is going into socialism. Doesnt take long after that with a culture full of lazy incompetents for communism to be in authority then tyrany then totalitarianism. Any idiot knows this cycle to be fact by researching basic history so why dont you idiots have the courage to prevent it?

Insurance is socialism/communism!

[nogods]

Why bother with insurance of any kind? Life itself has its expenses. Isnt it the job of a parent to teach children the ethics of work and finanial security? Isnt the parent and loved ones supposed to teach children the wisdom of life and how and what to prepare for?

Screw your insurance! Get a clue and some ambition, work, and pay for what lifes journey brings you!

There are too many entitlement minded deadbeats in this country with no ethics, reasonable principles, and values that are half ass and backwards.

The more and more that we as a culture go on "treating symptoms" instead of "curing causes" the worse life and liberty is going to get for all of us.

We already went from republic to democracy, and now democracy is going into socialism. Doesnt take long after that with a culture full of lazy incompetents for communism to be in authority then tyrany then totalitarianism. Any idiot knows this cycle to be fact by researching basic history so why dont you idiots have the courage to prevent it?

Insurance is socialism/communism!

Were you the person I had a conversation with yesterday? It went like this:

Me: What do you think of all the March Madness bracket busting?

You: It was caused by socialism!

Me: Then what about the Sabers making the playoffs?

You: It is unconstitutional!

Me: Let's try something else, what do you think about the change in the NFL's overtime rules?

You: It's the road to communism.

[Sylvan]

Were you the person I had a conversation with yesterday? It went like this:

Me: What do you think of all the March Madness bracket busting?

You: It was caused by socialism!

Me: Then what about the Sabers making the playoffs?

You: It is unconstitutional!

Me: Let's try something else, what do you think about the change in the NFL's overtime rules?

You: It's the road to communism.

ha ha, youre funny.

Insurance is for sissies and extortionists.
The only reason I buy certain policies is because its authoritarian mandated for income and getting around. Ive never filed a claim so it has been proven that I dont need it! Ive been extorted for 25 years and Im sick of it. That money could have gone to better use.

[mesue]

I wonder how many in Congress are lawyers.

[Sylvan]

I wonder how many in Congress are lawyers.

Theyre ALL pigs and worms!

[FMD]

ha ha, youre funny.

Insurance is for sissies and extortionists.
The only reason I buy certain policies is because its authoritarian mandated for income and getting around. Ive never filed a claim so it has been proven that I dont need it! Ive been extorted for 25 years and Im sick of it. That money could have gone to better use.

So. since you have never needed it, then you dont need it...

Say for instance, your driving home from work... and something happens, a car accident, a simple accident, that anyone could make... who ever you collide with is going to sue you, for EVERYTHING you own, and will try their damnedest to take everything you have ever worked for in your life...

Now you need a personal civil defense lawyer, and they arnt cheap

With insurance, they may settle for your insurance money... in which case, that insurance just saved your lifes work.

anyone who owns their home or anything of real value should carry atleast a $1 mill umbrella... their cheap at about $200 a year.

[Sylvan]

So. since you have never needed it, then you dont need it...

Say for instance, your driving home from work... and something happens, a car accident, a simple accident, that anyone could make... who ever you collide with is going to sue you, for EVERYTHING you own, and will try their damnedest to take everything you have ever worked for in your life...

Now you need a personal civil defense lawyer, and they arnt cheap

With insurance, they may settle for your insurance money... in which case, that insurance just saved your lifes work.

anyone who owns their home or anything of real value should carry atleast a $1 mill umbrella... their cheap at about $200 a year.

Your point is well taken and youre right. But it also shows how screwed up this culture is when there are people willing to take everything from someone else.

Some people dont collide, house doesnt burn, and they dont get sick so why bother with all the other individual policies when all that is needed would be an umbrella, whether 1 mill, 2, or 3, or 5, or 10 mill.

Are there umbrellas that cover auto, home, health, etc., all for one premium?

[nogods]

Your point is well taken and youre right. But it also shows how screwed up this culture is when there are people willing to take everything from someone else.

Some people dont collide, house doesnt burn, and they dont get sick so why bother with all the other individual policies when all that is needed would be an umbrella, whether 1 mill, 2, or 3, or 5, or 10 mill.

Are there umbrellas that cover auto, home, health, etc., all for one premium?

An umbrella policy is an excess policy - it kicks in after your underlying coverage. It is not a substitute for the underlying coverage.