I've used this coverage multiple times. Once sued a big corporation trying to take advantage of the little guy, and I've used it for multiple speeding tickets. I haven't got any speeding tickets convictions since using this benefit. This benefit is so easy to use just call the lawyer, and he/she handles all of the paperwork. Basically just a phone call. And yes we have multiple firms in our network. And in this particular situation now we don't even need to call the lawyer now that he knows that she has free access to a lawyer. He complied. When I sued the big corporation it was a great benefit. My lawyer would send letters to the corporation and they didn't reply. He stated the court procedures, and they ended up settling in mediation. Defiantly use this benefit if you have it.