Dude, I pay $16/month to cover unlimited traffic ticket defenses. Any county, any state, anyone in my household. The insurance has to be in effect before a person's next ticket, to get court representation at no cost................which could cost you a bunch otherwise.
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You ask: "Cover ALL the costs that you would incur?"
................they cover attorney/ticket-trial costs and unlimited legal consultations.
They don't pay your impound fee, bail money, towing fees, drug charges, and the multitude of manure a person could get into, but you need to talk to John, in my sig. He is the agent.

They did a great job taking care of my red light ticket, where a crash was involved, and where they had a witness for the other side. I paid nothing for the consultations and the representations, no traffic school, no cost of court, no points on license, no insurance increase, and I never had to appear in court, and further, I paid nothing to any insurance company, for the other guys car damage, and did not get sued, since I was "not guilty as charged".

Don't talk to me about how it works, Talk to the agent. they have several plans. I got the cheapest one.-Bob