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Has anyone actually used the coverage? If so, what was your experience?

I've read stories indicating that many folks have paid premiums, some of them for several years, and when the need arrived to use the service the company was not forthcoming with the stated protection.

Being new to CHL and awaiting my license I've been spending a lot of time reading all that I can about the many topics that are necessary to understand. One of the topics I have come across is prepaid legal services. I read much on internet blogs about the suspicion that there are scams out there. Law suits have been filed by many customers who claim that when the time came to take advantage of the service that had been paying for (some had been paying premiums for several years) the services were not forthcoming. Have any of you had a first hand experience being defended by a prepaid legal service? If so, would you please relate your experience.