Meeting a compensation solicitor, Redhead: step by step

There's a difference between talking to a solicitor and engaging one. A first conversation lets you both work out whether they can help. Engaging them is the step where you agree, in writing, that they'll work on your claim and how their costs will be dealt with. Until you sign that agreement, you're generally free to take your time, ask questions or speak with someone else.

Some people engage a solicitor after months of handling the claim themselves. Others do it in the first weeks after a serious crash. Either way, the start is similar. Before the first contact, jot down the key dates, what the insurer has decided and what you're hoping the solicitor can help with. It makes the conversation shorter and more useful for both of you.

A common worry is that engaging a solicitor will upset the insurer. It generally shouldn't. Insurers deal with solicitors all the time, and in many claims correspondence simply starts going to the solicitor instead of to you. Decisions are still made under the scheme rules. What changes is that someone familiar with those rules reads each letter before you act on it.

You can usually still speak to your case manager about everyday things, such as treatment requests, payment dates or travel costs. For anything more formal, like a request for a statement, an assessment or a signature, check with your solicitor first. It also helps to tell them about any calls you've had with the insurer, so their file stays complete.

Think of the costs disclosure as the explanation and the costs agreement as the binding part. The disclosure is usually given first, in writing, and tells you how fees and other expenses are calculated and what the whole matter might cost. It exists so you can make an informed choice. Keep a copy with your other claim papers, because you may want to refer back to it later.

Before you sign a costs agreement, check that it matches what you were told at the first meeting and in the disclosure. Look at how fees are calculated, what other expenses might be charged and what happens if the arrangement ends early. Some agreements are described as no win, no fee, and the terms vary, so read the detail. If anything is unclear, ask and get the answer in writing.

Meeting remotely doesn't mean a lesser service. The solicitor still needs the full story and the documents, and you still get to ask every question you have. What changes is logistics: documents are emailed or uploaded before the call, and anything to sign is sent to you afterwards. If you can't scan, clear phone photos are generally accepted.

If you'd prefer to meet in person, ask. Some solicitors can arrange it, although it may mean travelling. For most people, though, a phone or video meeting followed by documents sent electronically is simpler. Keep copies of everything you sign and send, in one folder or email thread, so you can find them again quickly.

Expect the first meeting to feel more like a structured conversation than an interview. The solicitor needs enough of the story to judge whether they can help, and enough of the paperwork to spot any deadline that's close. They'll often take notes as you talk and ask to keep copies of your documents. It's also your chance to ask how they would approach the claim.

It's normal to feel a little overwhelmed at a first meeting, especially soon after a crash. A few simple habits help: keep your documents in one folder, bring a short timeline of what's happened, and write down your questions before you start. If there's anything you'd rather discuss privately, you can ask for part of the meeting to be just you and the solicitor.

• Confirms the accident date and which rules apply
• Reads the insurer's letters and decisions
• Notes which records are missing
• Explains how their costs are worked out

The first weeks after you engage a solicitor are mostly about gathering information. They'll usually ask you to sign authorities so they can request records from hospitals, your GP and other treating practitioners. They may also ask for records of your earnings. Some requests take time to come back, so this stage can feel quiet. That doesn't generally mean nothing is happening.

By the end of the first few weeks, you should generally have a clearer idea of the plan. That might include which records are still to come, which decisions could be challenged, what medical evidence may be needed and when the next contact will be. If you haven't heard anything about next steps, it's reasonable to ask. A short email is usually enough.

• Requests to hospitals, your GP and treating practitioners
• A request to the insurer for copies of its file
• Questions about your earnings before the accident
• A written outline of the next steps