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Your car is in a storage lot. Your back hurts every morning. The adjuster keeps asking for one more record, and the check that was supposed to fix all of it is still months out. Car accident lawsuit funding can put cash in your hands during that gap. If we can approve the case, you get money now, and your attorney keeps working the claim without a clock on it.
Start with the worst case. A jury decides a low-speed impact could not have caused your injury, or a UIM arbitrator sides with your carrier, and the claim pays nothing. In that situation you owe us nothing. This is not a loan. It is non-recourse, and the settlement is the only place we can ever be paid from. No credit pull, no income check, no payment while you wait. You do need an attorney handling the claim on a contingency fee.
No credit check. No monthly payments. No cost to apply. If your Car Accident case does not recover, you owe us nothing and you keep what we advanced. You must have an attorney handling the claim on contingency.
A car crash claim is often not one claim but two. The at-fault driver's liability policy comes first. If those limits are thin, and plenty of drivers carry the least their state allows, your lawyer then opens a second claim on your own uninsured or underinsured motorist coverage. That usually means notifying your carrier and waiting on its answer first. Your attorney can explain how your policy and your state handle that step.
Usually nothing gets demanded until your treatment settles down. Many doctors will not write a final report until you stop improving, though your own doctor decides the timing, so months of therapy hold the whole file in place. Then the carrier takes its turn: repeat record requests, its own medical exam, an argument that your bumper photos look too clean. Files also change hands, and a new adjuster often restarts the review from the beginning.
You are doing all of this without a car. The property damage side usually closes early and small, rental coverage on most policies has an end date, and the check for a totaled vehicle may not clear what you still owe on the loan. Then you are borrowing rides to therapy two or three times a week, right when a thin medical chart is what the insurer will use against you.
In California? The state's 2026 funding law changes what has to be in your contract, and Los Angeles claims run on their own timetable.
There are no receipts to submit and no restrictions on how you spend it, other than this: funding is for your living expenses, not for paying the costs of the litigation itself.
Never your credit, your income or your job history. Only the claim.
A rear-end hit or a left turn across your lane usually reads as clear fault. An unwitnessed intersection case, a lane change, or a citation issued to both drivers takes longer to review. Your attorney's own read on liability carries real weight here.
A claim rarely pays more than the coverage behind it. We look at the at-fault driver's bodily injury limits, an employer policy if they were working when they hit you, and the uninsured or underinsured motorist coverage on your own household's policies.
Getting checked out the day of the wreck helps. So does imaging, and therapy you kept going to. A stretch of weeks with nothing in your chart is the first thing a defense adjuster circles, and underwriting sees it too.
Health plans, hospital liens, PIP carriers and any earlier advance can all be paid out of the settlement before you see anything. How much each can claim varies by state and plan, which your attorney sorts out. The offer depends on what is realistically left.
Tell us who you are, what happened and who represents you. No credit check, no bank statements, no employment history — the case is the application.
2 minutesWe request the case file from your law firm and handle the paperwork with their staff. Your attorney's involvement is a signature and a few documents — not hours of work.
Same dayOur underwriters look at liability, injuries, treatment and available insurance coverage to decide what your claim can support. Your credit score and income never enter into it.
24 hours (typical)You review a plain-English agreement that states exactly what you will owe at settlement. Sign it and funds go out the same day by direct deposit, wire, or in-person pickup.
Same dayOften it still is, because the claim usually does not end there. Your own uninsured or underinsured motorist coverage may sit behind the at-fault policy, and in some households more than one policy applies. That varies by state and by policy language, and your lawyer is the one to ask. Underwriting looks at the total coverage realistically available, not just the first policy.
Usually those are handled separately, but read before you sign anything. The property damage payment covers the vehicle. The bodily injury claim is its own negotiation with its own release.
Some releases are written broadly, so your attorney should review any document the carrier sends before you cash a check. A property damage payment on its own does not normally close the injury side, and it does not block a funding request.
Sometimes, yes. Many states still allow a recovery when fault is shared, with your share subtracted, and a few are much harsher. How that plays out depends on the jurisdiction, so ask your attorney. A report is also an officer's opinion, not a verdict, and they do get corrected. Expect a longer review and a more conservative decision when fault is genuinely contested.
That argument is common on low-speed impacts, and carriers lean on repair photos to make it. What tends to answer it is the record: care that started right after the crash, imaging showing something objective, and treatment you actually kept up with. We read the file the way a defense lawyer would. A soft-tissue case with a clean, consistent chart can still be funded. One with thin documentation is harder.
It can. No-fault systems route early medical bills through your own PIP or med-pay coverage, and some states require you to clear a threshold before you can pursue the at-fault driver at all. Those rules differ a lot from state to state, so ask your attorney where your claim stands. Many people apply right after that coverage runs out, because the bills keep arriving after it does.
When you do apply, your attorney's office sends the crash report, your records and bills so far, and the declarations pages for the policies involved, so you are not chasing paperwork and it costs their office nothing. A decision typically comes about a day after that file lands, and approved funding usually goes out the day you sign. That is the usual pace, not a guarantee, and one missing declarations page can add days.
Yes, if you have your own attorney working your injury claim on a contingency fee. Passengers are rarely blamed for a crash, so the fault fight between the two drivers usually matters less to your claim than to theirs. Your claim may also reach more than one policy: the driver who hit you, the driver you were riding with, and sometimes uninsured or underinsured coverage in your own household. Which of those you can actually reach turns on the policy language and where the crash happened, so let your attorney map that out.
We fund throughout the US, subject to state law and availability. People often search for a car accident settlement loan. Nothing here is repaid monthly, and nothing is owed unless the claim recovers.
Underwriting looks at the same things across every case type. If yours is not listed anywhere on this site, call or text and ask.
Apply in about two minutes. We contact your attorney, review the case, and if you're approved you can have funds the same day. No credit check, no monthly payments, and if you lose, you owe us nothing.