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ALTHOUGH I agree with Dr Edmund Lam that contingency fee arrangements are worth considering ("'No win, no fee' arrangement worth considering; Forum Online, Jan 28), I do not think they should be tested out in road traffic accident and medical negligence cases.迷你倉In Britain, such arrangements are typically used to cover all sorts of civil litigation. The client does not have to pay upfront fees or cover the lawyer's costs if the case is lost.However, if he wins, he will pay a "success fee", although this can be no more than 25 per cent of the damages awarded.The rules have encouraged a迷你倉沙田"have-a-go" culture, which has led to many spurious legal claims. For instance, the number of claims for whiplash following a car accident has risen by 25 per cent in the past four years, despite the number of road traffic accidents falling.The claimant may have to cover the defendant's legal costs, should he lose the case. This risk can be mitigated if the claimant is able to obtain insurance cover against losing the case.However, premiums charged in complex medical negligence claims are considerable, so access to the courts to litigate such claims remains difficult.Li Dan Yue (Ms)迷你倉價錢