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Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for money. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Most car accident attorneys charge clients in a fairly unique way -- as opposed to the hourly fee that many firms charge in other types of cases. The typical auto accident lawyer will charge a "contingency fee" to take an injury case. A contingency fee means that the firm will not get paid any attorney’s fees unless you recover money in your case. The lawyer or law firm will get paid a percentage of money received from any insurance settlement or jury verdict.