Help with a Riddle :)

I actually don't know the answer, my mom is looking for the answer for a contest.

So it usually helps if you get the entire riddle right! Here it is....

I hope you never have one and if you do I hope you never lose one . It is expensive, but it can give you money in the end, only if you win it. it has two sides
what is it

HINT _ _ W _ _ I_

lawsuit


Whim

Thank You !!!