Personal Injury — No Win No Fee

What Is a Personal Injury Claim?

Direct Answer: A personal injury claim is a legal action brought by someone who has been physically, emotionally, or financially harmed due to another party's negligence. Most personal injury attorneys in the US work on a contingency fee basis, charging 33⅓%–40% of the recovery and no upfront fees.

A personal injury claim arises when a person suffers harm — physical, emotional, or financial — due to the negligence, recklessness, or intentional conduct of another party. The injured person (the plaintiff or claimant) seeks compensation (damages) from the responsible party (the defendant), typically through their liability insurance carrier.

Common Types of Personal Injury Cases

Personal injury law encompasses a broad range of case types, including:

• Auto accidents — the most common category, including car, truck, motorcycle, and pedestrian collisions
• Slip and fall / premises liability — injuries caused by hazardous conditions on someone else's property
• Dog bites — liability varies by state (strict liability vs one-bite rule)
• Construction accidents — injuries on construction sites, often involving OSHA violations
• Nursing home abuse — physical, emotional, or financial abuse of elderly residents
• Wrongful death — fatal injuries caused by another party's negligence

How Contingency Fees Work in Personal Injury

Virtually all personal injury attorneys in the United States offer contingency fee arrangements. The standard fee structure is one-third (33⅓%) of the gross recovery if the case settles before a lawsuit is filed, and 40% if the case is litigated through trial. Some attorneys charge a flat 33⅓% regardless of stage.

The contingency fee is typically calculated on the gross recovery — the total amount received before deductions for medical liens, case costs, and other expenses. However, some attorneys calculate their fee on the net recovery (after costs). This distinction can significantly affect the amount you receive.

Damages in Personal Injury Cases

Damages in personal injury cases generally fall into three categories:

• Economic damages — quantifiable losses such as medical bills, lost wages, property damage, and future care costs
• Non-economic damages — subjective losses such as pain and suffering, emotional distress, loss of enjoyment of life
• Punitive damages — awarded in cases of particularly egregious conduct, intended to punish the defendant (not available in all states, and often capped)

Statute of Limitations

Every state sets its own statute of limitations for personal injury claims. The most common limitation period is 2 years (e.g., California, Texas, Pennsylvania, Illinois) or 3 years (e.g., New York, Maine). Some states are shorter (Kentucky: 1 year) and some longer (Maine: 6 years). The discovery rule may toll the limitation period in cases where the injury was not immediately apparent.