Welcome to No Win No Fee
What does no win no fee really mean?
Have you ever rushed to the internet after seeing a television advert featuring huge personal cheques and a no risk guarantee? Were you able to read the small print scrolling across the screen? UK personal injury law can be confusing, especially if you have never dealt with it before. Below, you can take a closer look at adverts for personal injury claims and how they work.
1. Common Phrases
Two of the most common phrases used in adverts for personal injury claims are "no win no fee" and "100% compensation". These phrases have two distinct meanings. No win no fee compensation claims mean you do not need to pay your solicitor fees if you lose your case. 100% compensation means you receive the full compensation amount you are entitled to if you win your case. It is important to note that these clauses are not always available. Availability typically depends on your personal claim type and your local legal procedures.
Get more information on what no win no fee means for you.
2. Taking on Cases
Adverts for UK personal injury claims promise to give every case no win no fee and 100% compensation clauses. Of course, the adverts are not lying to you. Instead, they are leaving a few vital pieces of information out. The no win no fee solicitors will offer these clauses to every case they actually take on. If they cannot work your case on a no win no fee or 100% compensation basis, they simply won't take on your case.
Before divulging all of your personal injury information to a solicitor, ask whether he or she can take on your compensation claim type. Otherwise, you could be unnecessarily giving away your personal details. You can usually check the bottom of a website or advert for more information on the case types a solicitor will take on. In the small print, the solicitor will give you the cold, hard facts.
3. Small Print
You know reading the small print is essential. Would you sign a lease agreement without reading all of the clauses? Would you sign a legally binding employment agreement without reading it front to back? Not likely. Reading the small print for personal injury claims is just as important!
Solicitors will typically point you in the direction of the terms and conditions of your agreement. The mistake many people make is not reading those terms and conditions. Solicitors go out of their way to make you aware of the terms and conditions because the solicitors must protect themselves in the event of a legal disagreement. If you continue without reading the terms and conditions, you cannot argue against them in the future.
Some solicitors are not as forthcoming as they should be with terms and conditions. You now know that you should always read the small print, but this is especially true if you have to ask to see the terms and conditions. Typically, those who do not immediately present you with the terms and conditions have something worth hiding in the small print. So, protect yourself from further injury by simply reading the small print!
So, with no win no fee claims, win or lose, I don't have to pay?
It is important to remember from above that the phrases "no win no fee" and "100% compensation" do not mean the same thing. Some solicitors will offer you neither, one or the other, or both. Remember, no win no fee means that you do not have to pay fees if you lose. 100% compensation, on the other hand, means you will receive the full amount if you win. Before you sign an agreement, check with the solicitor to ensure he or she is promising both a no win no fee clause and a 100% compensation clause.
What if there is no 100% compensation clause?
If there is no 100% compensation clause, you might be asked to sign a conditional fee agreement. A conditional fee agreement can require that you pay up to 25% of your compensation to the solicitor. In this case, you still will not have to pay if you lose your case. Instead of receiving 100% of the compensation, however, you may only receive 75% of the compensation.
Read more on 100% compensation with no win no fee claims.
Why do some no win no fee solicitors ask you to purchase an insurance policy?
Some solicitors ask you to purchase an insurance policy to cover legal costs if you lose your case. Although legal insurance policies range from £200 to £900, most policies are self-underwritten. If a legal insurance policy is self-underwritten, it means that if the case loses, you will not have to pay the cost of the insurance policy either. In the end, you still will not have to pay a fee if you lose your case.
What are the no win no fee claim options like in my region?
In England and Wales, few solicitors offer the option of both no win no fee and 100% compensation clauses and most will not offer one or both of the clauses for criminal injury and medical negligence cases. In the case of criminal injury or medical negligence, some firms may ask for upfront payment.
In Scotland, conditional fee agreements are very common, regardless of your claim type. This means that you are less likely to receive 100% compensation if you make your claim in Scotland. You are likely to still receive a no win no fee clause, however. Unfortunately, that is just how the legal system in Scotland works.
Find out more about no win no fee claims in Scotland.
How do I get started?
Call us freephone on 0800 234 6438, or fill out our simple online claim form, to speak to a solicitor who will be directly responsible for your case. Be sure to ask all of the necessary questions about his or her no win no fee and 100% compensation clauses. Clearly ask whether there will be a fee if you win or lose. You want to ensure there will be no surprises along the way. Get the facts, read the small print and get the compensation you deserve!