Welcome to the Caresso Law Frequently Asked Questions
Every case is different and we pride ourselves on a highly professional and flexible service that best accommodates your needs. We achieve this by listening to you, offering advice and help, allowing you to decide whether to proceed with a claim.
Our most frequently asked questions are answered below. If your question is not answered here, then please do not hesitate to contact us and one of our expert Solicitors will provide you with the information you need.
Is your service really no win, no fee - and what does that really mean?
We specialise in fully funded, automatically insured (where appropriate and required, dependent upon your needs and circumstances), business and consumer litigation.
All legal costs, disbursements, court costs, counsel fees etc are funded in full, on a true no win - no fee* basis. Unlike typical third party litigation funding, there is no interest charge, underwriting or delays.
This ensures that you will not be charged unless your claim is successful. Customers typically pay a success fee represented as a percentage of the amount that is recovered. This will be discussed with you when your claim is reviewed by one of our Solicitors.
Is it true that you also offer no win, no fee for professional negligence, business and commercial claims?
Yes. We believe that we are unique because we do not differentiate between consumer personal injury and complex professional, commercial and business litigation. In addition, we believe that we are unique in our Solicitors ability to offer immediate and automatic insurance cover for almost all forms of personal, business and commercial litigation from Day 1. This has been exclusively negotiated between one of the worlds leading litigation insurance providers, ARAG plc, and Caresso Law Firms, and it is not available elsewhere.
If I have suffered from Personal Injury - How much money will I receive, what is involved and how long will it take?
This is difficult to assess without a review of your claim, any injuries or compensation, out of pocket expenses and any possible ongoing losses or costs that you may suffer. In respect of personal injury, you can obtain an indication of the ranges of compensation here. Please note that these amounts do not include any longer terms care or other non-damages based losses and other costs which would be added on top.
You will need to undergo an expert medical examination in order to establish the extent and nature of your injuries, even if you have seen your own GP or been to the hospital. Your Solicitor will arrange this on your behalf. You will not have to pay for this, or any other costs, until your claim is successfully concluded, unless you have failed to cooperate with your Solicitor or have acted fraudulently.
Relatively straight forward, uncomplicated personal injury cases can settle within a few months, however each claim is unique and the time taken to settle will depend upon the individual circumstances.
If you are unsure if you are entitled or able to claim, speak to one of our specialist Solicitors who will guide you in the right direction, with free initial legal advice.
Should I accept an offer made to be by my opponent?
Whilst this is a matter entirely for you to decide, it is worth speaking to one of our specialist Solicitors. They will be able to give you free initial legal advice. As this is without obligation or cost, you will then have all the available facts to hand in order that you can make a properly informed decision. If you are mindful of accepting an offer, please bear in mind that you may seriously prejudice or deny yourself the ability to re-open negotiations at a later stage.
In the case of personal injury, medical and clinical negligence, if you find yourself in a position where you need cash to pay for urgent treatment, living or other out of pocket expenses, you should definitely speak to one our of our friendly specialist Solicitors, we may be able to arrange private medical treatment, rehabilitation and a loan against your damages of up to £200,000 to support living expenses and other essential out of pocket costs. The interest and capital is only repayable if and when you win – with the interest included as part of your claim.
We can also usually secure an interim payment (typically at least £1,000) shortly after we take your instructions where liability is established.
Is it true that you also offer Loans against compensation?
Yes we do, up to £200,000**. We believe that this service allows us to ensure that people of all walks of life can not only gain access to justice, but without running into debt that they cannot repay. The loans are secured against your damages to support living expenses and other essential out of pocket costs. The interest and capital is only repayable if and when you win – with the interest included as part of your claim.
Will I need to visit my Solicitor?
We have Solicitors operating across the entire UK, and expanding out into other parts of the World. Our service takes advantage of the latest technology and does not require you to visit your Solicitor. In most cases, if your Solicitor needs to see you, then they will arrange to visit you at your convenience.
Is there a time limit for pursuing a claim?
Generally speaking, the time limit with respect to personal injury claims is 3 years from the date of the incident or time that you became aware of the loss.
In the case of Professional Negligence claims, you generally have up to 6 years to bring a claim.
Litigating Professional Negligence claims
One of our specialist areas of litigation is personal professional negligence and business professional negligence. Our Solicitors are here to remedy wrongs against you or your business. Again, all professional negligence claims are operated on a no win, no fee* basis, and typically involve situations where you have suffered a loss as a result of a professional mistake.
This may be as a result of a mistake by a range of professionals, including: Solicitors, Accountants, Auditors, Medical and Clinical professionals, Veterinary surgeons, Architects, Surveyors, Builders, Insurance Brokers, Financial Advisors, Appointed Representatives, Conveyancers and so on.
We will fund your claim on a no win, no fee* basis and offer you free initial legal advice in order you can consider the best course of action to suit your own particular personal or business circumstances.
How long does it take to underwrite and insure my complex commercial litigation?
Unlike other Solicitors who generally will have to first underwrite your claim, then if appropriate go to a broker or the insurance market and present your case for insurance cover, our Solicitors have the advantage of being able to offer you immediate cover on our delegated scheme with arguably one of the worlds leading litigation insurance providers, ARAG plc.
This means that your claim is not subject to additional upfront costs or delays involved in packaging the risk to an insurer, nor will you be in a position where you cannot get insured when a court hearing may be looming, meaning you may have to under settle or back out altogether.
If you have already started a commercial claim, and your insurance needs have not been properly assessed, or you have not been offered insurance, you may have a case for professional negligence against your existing Solicitor, in which case you should contact us as a matter of urgency.
If I am paying 'on the clock' in a litigious matter, can I transfer the matter to you, on a no win, no fee basis and acquire your exclusive insurance?
It is likely that subject to prospects remaining sufficient, that we can take over your existing litigation, fund all further work, all court, barristers and experts costs. We will also gladly give you initial free legal advice on the merits of bringing a claim against your existing Solicitor, should you require it, if they have failed to give you full and proper advice. If you want free legal advice and a review of your circumstances, either personally or in a commercial capacity, do not hesitate to contact us right away.
*After The Event (ATE) insurance is typically required and provided on a ‘day one’ basis where you have no existing Before The Event (BTE) insurance in place. Cover is provided by ARAG plc, the premium for which is fully self-insuring and deferred until successful conclusion of the claim, save as for a deposit premium typically ranging from £2,700 to £4,700 payable under our exclusive commercial scheme only. No deposit premium is payable with respect to personal injury or clinical and medical negligence claims.
** Loans are underwritten by a third party supplier, subject to the Consumer Credit Act and status. This is not an offer or guarantee of finance.