Tips For Finding An Affordable Insurance Lawyer Near You

Tips for Finding an Affordable Insurance Lawyer Near You – navigating the legal system after an accident or insurance dispute can feel overwhelming, especially when you’re worried about legal fees. Finding the right lawyer who understands your situation and won’t break the bank is key. This guide breaks down how to find affordable legal help, from understanding different fee structures to utilizing online resources and exploring legal aid options.

We’ll cover everything you need to know to find a great lawyer without emptying your wallet.

This isn’t about sacrificing quality for affordability; it’s about smart shopping. We’ll walk you through strategies for comparing lawyers, negotiating fees, and understanding the various ways lawyers charge. Think of it as finding the best value – a lawyer who’s experienced, effective, and fits your budget. We’ll also cover some less obvious options, like legal aid societies and pro bono services, which can be lifesavers for those with limited resources.

Let’s get started!

Defining “Affordable”

Figuring out what “affordable” means when it comes to an insurance lawyer can be tricky. It depends heavily on your specific situation, the complexity of your case, and the lawyer’s experience and location. There’s no magic number, but understanding the factors involved will help you make an informed decision.The cost of legal representation in insurance disputes varies widely.

Several factors contribute to the overall expense. Understanding these factors is crucial in determining what constitutes a reasonable fee for your needs.

Price Ranges for Insurance Lawyer Services

Insurance lawyer fees are usually structured in a few different ways. Hourly rates are common, with costs ranging from $150 to $500+ per hour, depending on the lawyer’s experience and location. Some lawyers may offer flat fees for specific services, like reviewing your policy or negotiating a settlement. These flat fees can range from a few hundred dollars to several thousand, again depending on the complexity of the task.

Contingency fees, where the lawyer’s fee is a percentage of any settlement or judgment won, are also possible, but these are less common in straightforward insurance claims. For example, a simple claim involving a minor car accident might cost a few hundred dollars in flat fees for representation, whereas a complex medical malpractice case could involve tens of thousands of dollars in hourly fees.

Factors Influencing the Cost of Legal Representation

Several things affect how much an insurance lawyer will charge. The lawyer’s experience and reputation are major factors; more experienced lawyers with a proven track record often command higher fees. The complexity of your case also plays a significant role; a simple claim will cost less than a complex, multi-party dispute. The amount of time and effort required to handle your case, including investigation, document review, negotiations, and potential litigation, will significantly influence the total cost.

The lawyer’s location also matters; lawyers in major metropolitan areas tend to charge more than those in smaller towns. Finally, the type of insurance claim (auto, health, homeowners, etc.) can influence costs, with more specialized areas of law usually commanding higher fees.

Distinguishing Legitimate Cost Savings from Inferior Service

Finding an affordable lawyer doesn’t mean settling for subpar service. While lower fees can be appealing, it’s crucial to avoid lawyers who seem suspiciously cheap. A lawyer who consistently undercuts their competitors might lack the experience or resources to effectively handle your case. Look for lawyers with positive reviews and testimonials from satisfied clients. Check their credentials and experience.

A free consultation is a great way to assess a lawyer’s expertise and communication style and to get a better understanding of their fee structure before committing. Don’t hesitate to ask questions about their experience with similar cases, their fee structure, and their approach to your specific situation. Transparency is key; a reputable lawyer will be open and upfront about their fees and the anticipated costs involved in your case.

Remember, investing in a skilled and experienced lawyer can often save you money in the long run by securing a better settlement or avoiding costly mistakes.

Utilizing Online Resources

Finding an affordable insurance lawyer can feel like navigating a maze, but online resources can be your trusty map and compass. These tools offer a wealth of information and help you narrow down your search efficiently, saving you both time and money. Smart use of these resources is key to finding the right legal representation without breaking the bank.

Online legal directories are a fantastic starting point for your search. They aggregate information from various sources, allowing you to compare lawyers based on their experience, fees, and client reviews. However, it’s crucial to approach these resources strategically and critically evaluate the information presented.

Step-by-Step Guide to Using Online Legal Directories

Here’s a practical guide to help you effectively use online legal directories to find affordable insurance lawyers:

1. Specify your location: Most directories allow you to filter results by geographic area (city, state, zip code). This ensures you find lawyers conveniently located near you.
2. Define your legal needs: Clearly state your insurance-related legal issue (e.g., car accident claim, medical malpractice, property damage). This helps you target lawyers specializing in your specific area.
3. Filter by lawyer type and experience: Many directories let you filter by lawyer type (e.g., personal injury, insurance defense) and years of experience. This ensures you find a lawyer with the relevant expertise.
4. Review lawyer profiles: Carefully examine each lawyer’s profile, paying attention to their background, experience, and areas of practice. Look for information on their fees or fee structures, if available.
5. Check client reviews and ratings: Client reviews provide valuable insights into a lawyer’s communication style, professionalism, and results. However, remember that reviews are subjective and should be considered alongside other factors.
6. Compare multiple lawyers: Don’t settle for the first lawyer you find. Compare several profiles before making a decision. Consider factors such as experience, fees, and client feedback.
7. Contact shortlisted lawyers: Once you’ve narrowed down your options, contact several lawyers to discuss your case and inquire about their fees. This allows you to get a better sense of their approach and whether they are a good fit for you.

Comparison of Online Legal Resources

Several online resources can assist in your search for an affordable insurance lawyer. Each has its strengths and weaknesses. Consider these factors when choosing your resource.

Resource	Pros	Cons	Cost
Avvo	Large database, lawyer ratings, client reviews	Some lawyer profiles may be incomplete; rating system can be subjective	Free (basic); paid options for enhanced features
FindLaw	Extensive lawyer directory, legal articles and resources	Can be overwhelming due to its size; not all lawyers are verified	Free (basic); paid options for lawyer listings
Martindale-Hubbell	Long-standing reputation, peer reviews, lawyer ratings	May be less focused on affordability; can be expensive for enhanced features	Free (limited access); paid subscriptions for full access
Your State Bar Association Website	Provides verified lawyer information within your state; often has disciplinary information	May not have detailed client reviews or fee information; search functionality may be less sophisticated than other directories	Usually free

Verifying Lawyer Credentials and Online Reviews

While online resources are helpful, it’s crucial to independently verify the information you find. Don’t solely rely on online reviews or self-reported information.

Always check a lawyer’s credentials with your state’s bar association website. This will confirm their license status, any disciplinary actions, and their years of practice. Furthermore, be aware that online reviews can be manipulated or biased. Look for patterns in reviews and consider the number of reviews available. A few glowing reviews might not be as reliable as many reviews with a mixed but overall positive sentiment.

Always approach online information critically and do your due diligence to ensure you are hiring a qualified and ethical lawyer.

Leveraging Local Networks

Finding an affordable insurance lawyer can sometimes feel like searching for a needle in a haystack. But tapping into your local network can significantly streamline the process, leading you to reliable professionals who might even offer more flexible payment options than you’d find through online searches alone. Word-of-mouth recommendations often prove invaluable, offering a personal touch that online reviews can’t always replicate.Your existing relationships are a goldmine of information.

Leveraging these connections can save you time and potentially money by accessing vetted professionals within your community. Think of it as crowdsourcing your legal search, benefiting from the experiences and insights of people you trust.

Referrals from Trusted Sources

Reaching out to your friends, family, and colleagues for referrals is a straightforward yet powerful strategy. These individuals have likely navigated similar situations and can offer personalized recommendations based on their direct experiences. When asking for a referral, be specific about your needs. For instance, mentioning that you’re looking for an affordable lawyer specializing in auto insurance claims will yield more targeted recommendations than a general inquiry.

Don’t be shy about asking about their experience with the lawyer’s fees and payment plans. Their feedback on the lawyer’s responsiveness, communication style, and overall professionalism is also invaluable.

Local Community Organizations

Many local community organizations provide legal aid or referral services, often at reduced costs or even for free, depending on your financial situation. These organizations typically work with a network of lawyers committed to providing accessible legal assistance. Examples include local bar associations, legal aid societies, community centers, and non-profit organizations focused on consumer protection or financial literacy.

Contacting these organizations is a great way to discover lawyers who understand the financial constraints faced by many individuals and are willing to work with them to find affordable solutions. They can often provide a list of lawyers who participate in pro bono programs or offer sliding-scale fees based on income.

Understanding Fee Structures: Tips For Finding An Affordable Insurance Lawyer Near You

Navigating the world of legal fees can feel like wading through a swamp, especially when you’re already dealing with the stress of an insurance claim. Understanding how insurance lawyers structure their fees is crucial for finding one that fits your budget. Different lawyers use different methods, and knowing the options will empower you to make an informed decision.Different fee structures exist for insurance lawyers, each with its own set of pros and cons.

Choosing the right one depends heavily on the specifics of your case and your financial situation. Let’s break down the common types and what to consider.

Hourly Rates

Many lawyers charge by the hour. This means you’ll receive a bill for the time they spend working on your case, including phone calls, research, and court appearances. The hourly rate varies greatly depending on the lawyer’s experience and location. For example, a seasoned lawyer in a major city might charge $300-$500 per hour, while a newer lawyer in a smaller town might charge $150-$250.

The predictability of hourly billing is a benefit for some, as you have a clear understanding of how costs accumulate. However, it can also lead to unexpectedly high bills if the case becomes complex or drawn out.

Contingency Fees

With a contingency fee arrangement, the lawyer’s fee is a percentage of the settlement or judgment you receive. This is a common structure in personal injury cases. For instance, a lawyer might charge 33% of your settlement, meaning that if you receive $100,000, their fee would be $33,000. While this eliminates upfront costs, it also means the lawyer’s financial incentive is directly tied to the outcome of your case.

Contingency fees can be attractive if you have limited financial resources, but it’s important to understand exactly what percentage will be charged and what expenses are covered (or not covered) within the agreement.

Flat Fees

Some lawyers offer flat fees for specific services, such as reviewing your insurance policy or drafting a demand letter. This is beneficial because it provides a predictable cost upfront, eliminating the uncertainty of hourly billing. However, this type of arrangement is less common for complex cases requiring extensive work. A flat fee might be suitable for simpler tasks, like initial consultations or document review.

For example, a lawyer might charge a flat fee of $500 to review your policy and advise on your options.

Questions to Ask About Billing Practices

Knowing what questions to ask is half the battle in finding an affordable lawyer. Asking about their fee structure is critical, but equally important are questions about potential additional costs.What is your hourly rate (if applicable)?What are your fees for different services? (e.g., phone calls, emails, court appearances)Are there any additional costs beyond your stated fees (e.g., filing fees, expert witness fees)?What payment methods do you accept?Do you offer payment plans or installments?What is your policy on billing and payment schedules?

Negotiating Fees

Negotiating fees is perfectly acceptable and often possible. Many lawyers are willing to work with clients to find a payment arrangement that works.Be upfront about your financial limitations.Explore different fee structures. If hourly billing seems too risky, see if a flat fee or contingency fee is an option.Inquire about payment plans. Some lawyers offer flexible payment options to make legal representation more accessible.Consider a reduced scope of representation.

If you need assistance with only specific aspects of your case, a smaller scope of work could translate to lower overall costs.Shop around and compare fees. Don’t be afraid to get multiple quotes from different lawyers to see who offers the best value.

Evaluating Lawyer Qualifications

Finding an affordable insurance lawyer is only half the battle; ensuring they’re qualified to handle your specific case is equally crucial. Choosing the wrong lawyer can lead to lost time, wasted money, and a less favorable outcome. Thoroughly vetting potential lawyers is a critical step in protecting your interests.Experience in insurance law is paramount. Insurance policies are complex legal documents, and navigating the intricacies of claims, denials, and litigation requires specialized knowledge.

A lawyer with extensive experience in this field will possess a deep understanding of relevant laws, regulations, and precedents, giving them a significant advantage in your case. They’ll also likely have established relationships with insurance adjusters and other key players, potentially leading to a more efficient and effective resolution.

Lawyer Experience and Certifications

The level of experience a lawyer has directly impacts their ability to effectively represent you. Look for lawyers with a demonstrable track record of success in handling cases similar to yours. This could involve reviewing their website for case summaries (if permitted by client confidentiality), contacting the lawyer’s office for references, or researching their experience through online legal directories.

While years of experience are important, consider the types of cases they’ve handled and their success rate. For example, a lawyer with 10 years of experience solely in personal injury might not be the best choice for a complex homeowner’s insurance dispute. Specific certifications, while not always mandatory, can also signal a higher level of expertise. Some lawyers may hold certifications in areas like mediation or arbitration, which can be beneficial in resolving insurance disputes outside of court.

The American Bar Association (ABA) is a good resource for verifying lawyer credentials.

Checklist for Evaluating Lawyer Expertise

Before you commit to hiring an insurance lawyer, use this checklist to help you evaluate their expertise and suitability for your case:

• Years of experience in insurance law: How many years has the lawyer dedicated to this specific area of law? Consider the volume and types of cases they’ve handled.
• Case success rate: While not always readily available, inquire about their overall success rate in handling similar cases. Be wary of lawyers who make unrealistic promises.
• Relevant certifications or specializations: Does the lawyer hold any certifications or specializations related to insurance law, mediation, or arbitration?
• Client testimonials or references: Request references or review online testimonials (but remember that these are subjective). Look for patterns in positive and negative feedback.
• Understanding of your specific case: Does the lawyer demonstrate a thorough understanding of the complexities of your particular insurance claim or dispute? Can they clearly explain their strategy?
• Communication style and responsiveness: Does the lawyer communicate effectively and respond promptly to your inquiries? Good communication is essential throughout the legal process.

Considering Legal Aid Options

Legal aid societies offer a lifeline for individuals facing legal challenges who can’t afford private attorneys. These non-profit organizations provide free or low-cost legal services to those who meet specific income and asset requirements. Understanding their eligibility criteria and application processes is crucial for anyone seeking affordable legal representation in insurance disputes.Eligibility for legal aid varies depending on the organization and your specific circumstances.

Generally, eligibility is determined by assessing your income, assets, and the nature of your legal issue. Many legal aid programs have income limits, often based on a percentage of the federal poverty guidelines. They may also consider your assets, such as savings accounts and the equity in your home. The type of legal problem you’re facing also plays a role; some legal aid organizations specialize in specific areas of law, like family law or housing law, while others may have broader scopes of practice.

The application process typically involves completing an application form, providing documentation to verify your income and assets, and possibly attending an intake interview.

Eligibility Requirements and Application Processes for Legal Aid Organizations

The specific requirements and application processes for legal aid organizations vary widely. Some organizations might have online applications, while others may require in-person visits. It’s important to contact the specific legal aid organization you’re interested in to learn about their specific requirements and how to apply. Generally, you’ll need to provide proof of income (pay stubs, tax returns), proof of assets (bank statements), and a detailed description of your legal issue.

Be prepared to answer questions about your financial situation and the circumstances surrounding your case. Some organizations may also require you to complete a means test to determine your eligibility.

Resources for Finding Legal Aid Services Specializing in Insurance Cases

Finding legal aid that handles insurance disputes might require some research. A good starting point is the Legal Services Corporation (LSC) website. The LSC is a federal agency that funds legal aid organizations across the country. Their website provides a directory of legal aid providers, allowing you to search by location and area of law. Additionally, you can search online for “[your state] legal aid insurance” to find local organizations specializing in insurance-related cases.

State bar associations often maintain referral services that can connect you with attorneys, including those offering pro bono or reduced-fee services for low-income individuals. Finally, local community organizations, such as churches or social service agencies, may be aware of legal aid providers in your area.

Potential Limitations and Benefits of Utilizing Legal Aid Services

Legal aid services offer a significant benefit: access to legal representation for those who otherwise couldn’t afford it. However, it’s important to understand their limitations. Due to high demand and limited resources, legal aid organizations often have long wait times. The scope of representation may also be limited, meaning they might not be able to handle every aspect of your case.

For example, they might focus on getting you a settlement rather than pursuing a full trial. Despite these limitations, the benefits of having legal representation, even with limitations, often outweigh the drawbacks, especially in complex insurance disputes. A legal aid attorney can provide invaluable guidance and support throughout the process, ensuring your rights are protected and helping you navigate the complexities of the insurance system.

For instance, they can help you understand your policy, negotiate with the insurance company, and, if necessary, represent you in court.

Negotiating Payment Plans

Negotiating a payment plan with an insurance lawyer can significantly ease the financial burden of legal representation. Many lawyers understand that clients face diverse financial situations and are often willing to work out payment arrangements. Successful negotiation requires clear communication, realistic expectations, and a well-structured proposal.Effective negotiation involves presenting your financial situation honestly and transparently. Highlighting your commitment to paying the legal fees while demonstrating your current limitations is key.

For example, you could explain that you have a limited income but are willing to commit a specific amount each month. You could also suggest a payment plan that aligns with your anticipated insurance settlement or other expected income. Providing concrete financial documentation, such as pay stubs or bank statements, can strengthen your position. Don’t be afraid to propose alternative payment methods, such as splitting the payments into smaller installments over a longer period or offering a larger upfront payment to reduce the monthly amount.

Finding an affordable insurance lawyer can be tricky, but totally worth it. Knowing your rights is key, and that includes understanding how to negotiate a settlement. Check out this helpful guide on Tips for Negotiating a Fair Settlement in Car Insurance Claims to get a leg up. Armed with this knowledge, you’ll be better prepared to work with your lawyer to get the best possible outcome for your case.

So, do your research and find that affordable legal expert!

Remember, a collaborative approach is often more successful than a confrontational one.

Payment Plan Agreement Template

A written agreement protects both you and the lawyer. It should clearly Artikel the total fees, the agreed-upon payment schedule, the method of payment, and the consequences of default. Here’s a sample template:

Payment Plan AgreementThis agreement is made between [Client Name], residing at [Client Address], and [Law Firm Name], represented by [Lawyer Name], residing at [Law Firm Address], on [Date].

So, you’re hunting for an affordable insurance lawyer? Finding the right one can be tricky, but knowing your needs is key. For example, understanding the legalities around liability insurance is crucial, especially if you’re a small business owner; check out this helpful guide on How Small Businesses Can Navigate Liability Insurance Legalities to get a better grasp.

Once you have a clearer picture of your insurance needs, finding an affordable lawyer who specializes in that area will be much easier.

1. Legal Services

[Law Firm Name] agrees to provide legal services to [Client Name] for the case of [Case Name or Brief Description].

2. Total Fees

The total fee for these services is [Total Fee Amount].

3. Payment Schedule

[Client Name] agrees to pay [Total Fee Amount] according to the following schedule:* [Payment 1 Amount] on [Date]

• [Payment 2 Amount] on [Date]
• [Payment 3 Amount] on [Date]
• …and so on…

4. Payment Method

Payments will be made via [Method of Payment, e.g., check, electronic transfer].

5. Default

In the event of a missed payment, [Client Name] agrees to [Consequences of Default, e.g., a late fee of X%, suspension of services, etc.].

6. Governing Law

This agreement shall be governed by the laws of [State]. Client Signature: _________________________ Date: _____________ Lawyer Signature: _________________________ Date: _____________

Consequences of Defaulting on a Payment Plan

Failing to adhere to a payment plan can have serious repercussions. The lawyer may suspend legal services, potentially jeopardizing your case. They may also pursue legal action to recover the outstanding balance, which could include additional fees and court costs. Your credit rating could be negatively affected, making it harder to obtain credit in the future. In some instances, the lawyer may refer the unpaid debt to a collections agency.

Therefore, maintaining open communication with your lawyer and promptly addressing any difficulties in making payments is crucial to avoid these consequences.

Pro Bono Services

Finding an affordable insurance lawyer can be tough, but sometimes, completely free legal help is available. Pro bono services, offered by many organizations and individual lawyers, provide legal assistance to those who can’t afford it. Understanding how these services work and their limitations is key to determining if they’re the right option for you.Pro bono legal services for insurance-related matters are provided by various non-profit organizations and individual attorneys committed to providing access to justice.

These services are typically offered on a limited basis, depending on the organization’s resources and the lawyer’s availability. Eligibility often hinges on factors like income level and the nature of the insurance dispute.

Organizations Offering Pro Bono Services, Tips for Finding an Affordable Insurance Lawyer Near You

Many bar associations, legal aid societies, and non-profit organizations offer pro bono legal assistance. For example, the American Bar Association (ABA) has a large network of lawyers who volunteer their time to help individuals with various legal issues, including those involving insurance. Local bar associations often maintain similar programs, connecting individuals with attorneys in their area. You can also find numerous non-profit organizations dedicated to assisting individuals with insurance claims or disputes, often focusing on specific areas like medical malpractice or disability insurance.

These organizations often have websites listing their services and application procedures.

Application Process and Eligibility Criteria

The application process for pro bono legal services varies depending on the organization. Generally, it involves completing an application form that requests information about your financial situation, the nature of your insurance dispute, and relevant supporting documentation. Eligibility criteria typically involve demonstrating a financial need, meaning your income falls below a certain threshold. The specific income limits vary depending on the organization and your location, often reflecting the cost of living in the area.

Additionally, some organizations may prioritize cases based on the severity of the issue or the potential impact on the applicant’s well-being. Some pro bono programs may focus on specific types of insurance disputes, such as those involving medical malpractice or disability claims.

Limitations of Pro Bono Services

While pro bono services are invaluable, it’s important to be aware of their limitations. Because they rely on the volunteer efforts of lawyers, availability can be limited, and there may be significant wait times before you can receive assistance. The scope of representation may also be restricted, meaning the pro bono attorney may not be able to handle all aspects of your case.

For example, they may only be able to assist with initial consultations or specific tasks, such as drafting a demand letter. Furthermore, pro bono lawyers, while dedicated, often have limited resources, potentially affecting the depth of investigation or the ability to pursue complex litigation. Finally, the selection process can be competitive, and not all applicants are accepted for assistance.

Preparing for Your Consultation

Landing that initial consultation with an affordable insurance lawyer is a big step! Now, you need to make the most of it to ensure you get the information and direction you need. Preparation is key to a productive meeting and getting the best possible outcome. Think of it like an important exam – the more you study beforehand, the better you’ll perform.

A successful consultation hinges on clear communication and strategic questioning. By organizing your thoughts and anticipating potential discussion points, you’ll walk away feeling confident and informed about your next steps. Remember, this is your opportunity to assess the lawyer’s suitability and build rapport, so being prepared will significantly improve the experience.

Essential Questions for the Consultation

Before your consultation, compile a list of questions to guide the discussion. Don’t be shy – this is your chance to get clarity on everything from fees to their experience handling similar cases. The more information you gather, the better you can assess if they’re the right fit for you.

• What is your experience handling cases similar to mine?
• What is your fee structure, and what are the potential additional costs?
• What is your estimated timeline for resolving my case?
• What is your success rate in cases like mine?
• Can you provide references from previous clients?
• What is your communication style and how often will I receive updates?
• What is your approach to settlement negotiations?
• What are the potential outcomes of my case, and what are the associated risks?
• What are the next steps if we decide to work together?

Consultation Notes Template

Creating a structured template for taking notes will help you stay organized and remember key details from each consultation. This will allow for easy comparison of different lawyers and their approaches to your case.

Lawyer Name	Contact Information	Experience (Years, Specific Cases)	Fee Structure (Hourly, Contingency, etc.)	Estimated Timeline	Success Rate (If Provided)	Communication Style	Overall Impression	Next Steps	Notes

Effective Communication of Needs and Expectations

Clearly articulating your needs and expectations is crucial for a productive consultation. The lawyer needs a complete understanding of your situation to provide effective legal counsel. Avoid ambiguity and be prepared to provide specific details about your case.

For example, instead of saying “I need help with my insurance claim,” you should say, “My insurance company denied my claim for [specific reason], and I believe they are in violation of [specific policy or law]. I need a lawyer to help me [specific desired outcome, e.g., appeal the decision, negotiate a settlement].” Providing specific details like dates, names, and policy numbers will further aid the lawyer in understanding your situation and formulating a strategy.

Final Wrap-Up

Finding an affordable insurance lawyer doesn’t have to be a stressful process. By using online resources, tapping into your local network, understanding fee structures, and exploring legal aid options, you can find qualified legal representation that fits your budget. Remember to carefully evaluate each lawyer’s qualifications, experience, and communication style to ensure a comfortable and productive working relationship. With a little research and planning, you can confidently navigate the legal landscape and get the representation you deserve without breaking the bank.

Good luck!

Questions Often Asked

What if I can’t afford
-any* lawyer?

Many legal aid organizations offer free or low-cost services to those who qualify based on income. Check online for local options.

How do I know if a lawyer is truly experienced?

Look for lawyers specializing in insurance law, check their online reviews (but be critical!), and ask about their experience with similar cases during your consultation.

Can I pay a lawyer in installments?

Absolutely! Many lawyers are willing to work out payment plans. Be upfront about your financial situation and negotiate a plan that works for both of you. Get it in writing!

What’s the difference between a contingency fee and an hourly rate?

Contingency fees mean the lawyer only gets paid if they win your case, usually a percentage of the settlement. Hourly rates mean you pay for their time regardless of the outcome.