Just because you're dying today, would that mean you don't need life insurance? Or how about if you never been a car accident, does that mean you won't need auto insurance? What if you never been severely sick or been to a hospital before/never needed prescribed medication? Does that mean you don't need health insurance? Of course not! Because you want to make sure you and your loved ones are insured for such matters as these. Now, if it make sense to have Life, Auto and Health Insurance for you and your family's protection and livelihood, would it not make even more sense to have Legal Insurance for you and your family's legal matters? We want to insure, empower and protect you before unexpected legal issues happen.
Landlord/Tenant
Common Examples:
Any legal issue involving the agreement between a landlord and tenant. This could be questions either the landlord or tenant have on their rights regarding the rental of commercial or residential properties. *Only applies to landlords under applicable business plans.
Eviction (Tenant)
Rental (Landlord or Tenant)
Damages or repairs to home (Landlord or Tenant)
Rights to belongings in rental home (Tenant)
Refund of deposit (Tenant)
Wrongful eviction (Tenant)
Steps to eviction (Landlord)
Review of lease agreement (Landlord or Tenant)
Collection for past due rent (Landlord)
Breach of rental agreement (Landlord or Tenant)
Consumer/Finance
Common Examples:
Any legal matter involving a dispute with a purchase or service from a company, bankruptcies, foreclosures, vacating of home, rights of avoiding foreclosure, or business issues.
Vehicle Financing Issues- Issues financing vehicle, options if a vehicle is financed, cost to finance a vehicle
Billing Disputes- Cell phone, medical, student loan, credit card bills
Credit Reports and Repair- Review of credit reports, ways to repair credit, copies of credit report
Payday Loans/Title Loans- How do I get a payday loan? How much do I qualify for on a loan? Do I have the option of a title loan or payday loan and which is better?
Traffic
Traffic laws and regulations vary from place to place. In many countries, the rules of the road are codified, setting out the legal requirements and punishments for breaking them. In the U.S., traffic laws are regulated by the states and municipalities through the respective traffic codes.
Common Examples:
Any legal issue involving a moving or parking citation (i.e., wrong turn, following too close, window tinting, negligence, impeding traffic)
Driving record
Driver's license suspensions
Traffic tickets
Property damage
Parking ticket
Driver's license reinstatement
Driver's suspension
Motor vehicle accidents
Rights to fight a citation recieved
Rights as a CDL driver
Points violations
Speeding tickets
Heavy load
Real Estate
Any legal issue involving purchasing or selling, renting or leasing real estate or questions pertaining to land and anything permanently affixed to land, such as buildings, fences and things attached to buildings.
Common Examples:
Purchase of a home
Selling of a home
Review of purchase agreement
Rights to home in a divorce
Air rights above the land and underground rights below (for real or physical property)
Real estate closing
Review of residential loan documents
Construction
Oil and gas
Zoning permits
Employment
A broad area that encompasses the employee and employer relationship. *Available on applicable personal and business service plans.
Common Examples:
Right to privacy
Compensation
Freedom from discrimination
Non-discriminating policies
Job applicant rights
Employment protection
Differences between employment and labor laws
Rights as an employer
Employment law and compliance
Sexual harassment
OSHA
-What rights do I have with it?
Wrongful termination
Worker's compensation
Employee pay
Employee benefits
Employee safety
Public service- Any legal issue involving employment within a government system (especially in the civil service)
Collection
Any legal issue involving collection of monies owed or if a collection agency is demanding payment from a member or covered business.
Common Examples:
Debt collection letters
Credit card collection
Student loan collection
Wage assignments
Garnishment of wages
Judgement collections
Civil Litigation
Any legal issue where an individual, entity, company, or corporation files a lawsuit in a court of law against another individual person, entity, company or corporation. When two or more parties become involved in a legal dispute, seeking money or another specific interpretation rather then criminal sanctions.
Family Law
Family law consists of a body of laws related to domestic relations and family-related issues.
Common Examples:
Adoption
Child support issues
Child guardianship/custody/visitation
Divorce
Divorce uncontested
Legal separation
Grandparent's rights
Alienation of affection
Name change
Paternity
Uncontested adoption
Juvenile
Criminal
Any legal issue involving a charge filed against an individual who has allegedly committed a criminal offense. Actual laws, statues and rules that define acts and conduct that are prohibited by the government because they threaten and harm public safety and welfare and establish punishments for each type of crime. Crimes are usually categorized as felonies or misdemeanors based on their nature and the maximum punishment that can be imposed.
Common Examples:
DUI
Criminal records
Drug possession
Domestic violence
Automobile Accident
Any legal matter involving an automobile accident. This can involve personal injury and/or damages.
Common Examples:
Reckless driving
Improper driving
Hit and run
Unsafe lane change
Tailgating
Improper turns
General Law
Many times issues arise, and you may not be sure of the specific legal area, Consultation with your lawyer is always best to understand your course of legal action (if there is one that you can take).
Common Examples:
A hairdresser damages your hair with harsh chemicals
You are refused service at a restaurant
You take a vacation and your room has a view of the trash dumpster
Contract
Any legal issue involving a contract review, creating a new contract or revision of a contract. A contract is defined as an oral or written agreement associated with the exchange of goods and services, money and properties.
Common Examples:
Employment contracts
Lease agreements
Intellectual property agreements
Mineral right owner agreements
Custody agreements
Probate
Any legal issue involving assistance in the settlement of a deceased person's estate. The action or process of proving before a competent judicial authority that a document offered for official recognition and registration as the Last Will and Testament of a deceased person, or the judicial determination of a validity of a will.
Common Examples:
Authenticating the Last Will and Testament
Locating the decedent's assets
Determining date of death values
Identifying known creditors
Paying of the bills
Preparing and filing income tax returns
Distributing the balance of the estate to the beneficiaries
Business
A business is an activity or enterprise entered into for a profit. It does not mean it is a company, a corporation or partnership or have any such formal organization, but it has a large range of areas that are applicable. Business licenses are required for virtually all businesses. Many businesses are required to have state as well as city or county licenses, and federal licenses may even be required for some businesses.
Common Examples:
Types of license
Filing for a license
State and Federal differences
Insurance
Any legal issue involving a problem or dispute with an insurance company. Insurance is a form called an insurance policy in which the insurer agrees to pay the insured party all or a portion of any loss suffered by accident for a fee referred to as an insurance premium.
Common Examples:
Homeowner's insurance
Car insurance
Health insurance
Life insurance
Property damage loss from an accident
Fire
Theft
Tax
Any legal issue involving state and federal tax law that deals with the rules and regulations imposed by tax agencies, compliance measures and disputes over taxes. It is a governmental assessment upon property value, transfers and sales, or income.
Common Examples:
Gambling winnings/reporting
College credit
Penalties
Audits
Back Taxes
Other
Legal issues that arise outside of a specific legal area. Consultation with your attorney is always best to understand your course of legal action (if there is one that you can take.)
Common Examples:
Your neighbor's dog barks for hours every night
You are cheated by a door-to-door salesman
Your livestock trample a neighbor's garden
Divorce
Divorce is a legal proceeding governed by state law that terminates a marriage relationship. Divorce is referred to in some states a dissolution of marriage. Grounds for divorce vary by state statues, with some states allowing divorce based on fault and no-fault grounds.
Common Examples:
Uncontested divorce
Contested divorce
Bankruptcy
Bankruptcy is for individuals who have no alternative but to make a fresh financial start. It is a federal court procedure that helps consumers and businesses get rid of their debts and repay their creditors. If you can prove that you are entitled to it, the bankruptcy court will protect you during your bankruptcy proceeding. In general, bankruptcies can be categorized into two types- "liquidations" and "reorganizations."
Common Examples:
Bankruptcy under Chapter 7, 11 and 13
Estate Planning
If you were to pass with no Will, the state where you reside would determine what to do with your assets. Not ideal. Wills are included in our service plans and can be updated yearly. You can start the process from the LegalShield app!
Common Examples:
Any legal issue involving Will preparation
Will review or Will revision
Simple Will
Healthcare Power of Attorney Directive
Power of Attorney
-How do I get Power of Attorney?
-Steps in becoming Power of Attorney
-What are my rights if I'm name Power of Attorney?
Living Will
-What am I entitled to with a Living Will?
Trust
Special Needs Trust
Guardianship/Conservatorship