Many personal injury claims are dealt with by solicitors acting on a “no win, no fee” agreement. The solicitor only gets paid at the end of the case and only if you win (which would include “out of court” settlements). The solicitors firm gets paid most of its fees by the defendant or their insurance company.

Your agreement with the solicitor if you lose is that you do not pay their fees. Hence no win no fee. However in addition to their fees they may have spent money on supporting documents and reports, such as medical reports or police accident reports.  You are liable for the cost of these; however it is possible to arrange insurance to cover these costs. This is after the event insurance because it is taken out after the “event” happened.