What Is Legal Insurance?

Legal Insurance 101

  • 1 Minute Read
  • Shares

Legal Insurance 101

Legal insurance is an in-demand benefit across the world. See how it works in the U.S. — and how it can help you address common legal issues.


Legal Insurance 101

What Is It:

  • Legal Insurance provides coverage for fees associated with everyday legal events.

People with Legal Insurance Around the Globe

(Stand-Alone & Add-On Policies)

90%: Sweden

62%: United Kingdom

44%: Germany

32%: France

14%: United States

64/99 -U.S. rank for accessibility & affordability of justice compared to other countries.

How Does It Work?

  1. Experience Legal Event
  2. Call or Meet with Network Attorney, Receive Expert Advice & Representation
  3. File Claim with Insurance Co.
  4. Insurance Co. Handles Billing
  5. Worry-Free Life

If you decide to work with an out-of-network attorney, you are reimbursed for a portion of the cost of service.

Why Have It?

  • 87% of people with legal insurance feel it reduces their stress.

Legal Insurance Checklist

When choosing a legal insurance provider, make sure you compare policy features to find the right one for you.

  • Does the policy have 100% paid-in-full coverage, or just discount services?
  • Does the policy cover meetings with attorneys, or just phone calls?
  • Does the insurance provider ensure attorneys are credentialed?
  • What legal issues are covred by the policy? What are NOT covered?

Attorney fees for most legal events are 100% paid-in-full.

Average Legal Fees Without Legal Insurance:

  • Attorney Fees, $323 hourly
  • Debt Collection Issues, $2,717
  • Neighbor Dispute, $1,534
  • Driving Privilege Protection, $2,584
  • Standard Will Preparation, $969

Attorney Legal Fees With Legal Insurance: $0


All Topics

View a list of all our legal topics.

Product Updates

Sign up to get the latest ARAG coverage and service announcements.