Drop it.
We carried a legal insurance plan about 15-18 years ago (only because a friend sold the plan). We dropped it after maybe 2-3 years, because the first time we tried to use it, we couldn't get the referred attorney to do anything. The amount in dispute was less than $300, so he wouldn't write a letter or give us advice re: small claims or do ANYTHING. He told us to "forget about" the $300.
We never did get our $300, and the $500-$700 in premiums we'd paid for the plan were lost also. (a few years later we won and were paid for a judgment in small claims court for >$1000, now the internet can tell you how to do this)
If your liability insurance is sufficient, they will pay for legal costs if you are sued. Other than that, I don't worry about legal costs because I think I'm very unlikely to incur them.