At Orientation: Legal retainer?

You will see this a lot esp at truck stops. Don't speed and don't get tickets... save your money.

 

well,,,if you are planning on breaking any of the laws, then it mite help. just be safe and save your money

 

If $7.61/week seems expensive, how in the world can you possibly afford health insurance?!

 

Sorry, don't know any particulars. It's a form of insurance really. I don't know anyone personally who subscribes to it, or should I say I don't know anyone personally that admits they do.

 

do some math, at that price what does it cost you a year? How many years do you plan to drive? What is your driving style, or limitations of the truck? If you operate in a sane and sensible manner you are better off saving/keeping your money, and if you ever do get a ticket either hire a lawyer on your own, or use an outfit on a one time basis.

 

That is actual advice, rookie. What do you expect for free, regarding a $30/month expense?

A "legal retainer" might provide an attorney, who might provide an effective defense for a charge of vehicular homicide or something, but for a typical traffic violation you're typically going to lose if Johnny Cochran rose from the dead to defend you before a judge or jury of people who may not be all that bright, and who may know nothing about driving a truck, but they still know how they shouldn't be driven, and that's mostly all they've witnessed from truck drivers their entire lives.

 

I'm wondering the same thing for myself.

I have it, but I don't really know why I'm keeping it.
Last year it was $160 per month just for myself, with pretty basic coverage. It came with a $4,000 deductible. (And that was not disclosed until after I was signed up)
This year it was increased to $200 per month with a $6,000 deductible.
ObamaCare, and affordable health care, anyone?

The thing is, I never go to a doctor.
And if I did get something bad I would have 6 grand to pay before the insurance paid anything. That is a chunk of change that I simply do not have.
Not to mention, if I got something that bad I would probably not be working anymore nor have the money to pay the premiums to keep the insurance.
Money down a rat hole, to say the least.


I did have a drivers legal plan when I first started. It didn't seem like a lot of money.
But after I signed up there seemed to be no way to contact the company, even through their web site. It was all fluff and no substance.
Needless to say, I made sure the payments stopped. But it wasn't by contacting the company to cancel it, because I found no way to do that.

Like others have indicated, it is better to be a safe and legal driver than one that needs legal help.
I've tried to find good things said about these legal plans, but good things are very hard to find.

 

Because that is the only real pertinent advice ... do the math. $400 a year. What's the fine on ticket? Let's say it's $600. So for this to be cost effective you need to get a ticket every 18 months to break even.

And it doesn't matter if they get you off or not. The fact of getting a ticket will still count against your CSA score, the company will still hold it against you ... at the rate you would have to get tickets for it to be cost effective, you will be fired anyway and #### near unhirable.