AARC Blog
Education and guidance for personal injury claimants navigating medical bills, settlements, and pre-settlement funding.
Ohio claimants from Cleveland to Cincinnati use pre-settlement funding to stay current on bills while their personal injury case works through the courts.
Texas claimants use lawsuit loans to bridge the long gap between filing and settlement, especially in venues like Harris and Dallas counties where dockets are crowded.
California's MICRA caps, comparative fault rules, and crowded dockets push case timelines past 18 months. Funding helps claimants wait without settling cheap.
Florida's no-fault PIP system and tort reform changes have made injury cases harder and slower. Pre-settlement funding helps claimants wait it out.
New York's serious-injury threshold and crowded court dockets mean cases can take three years or more. Lawsuit funding helps NYC claimants survive the wait.
Philadelphia, Pittsburgh, and across Pennsylvania, injured claimants use pre-settlement funding to bridge the long wait for trial-friendly venues.
Georgia injury cases tightened under 2023 tort reform but remain plaintiff-friendly in Fulton and DeKalb counties. Funding bridges the wait.
Cook County remains one of the busiest plaintiff venues in the country. Pre-settlement funding lets Illinois claimants wait without folding.
Michigan's 2019 no-fault overhaul reshaped how auto cases work. Pre-settlement funding still bridges the gap for serious injury claims.
New Jersey's verbal threshold and limitation-on-lawsuit election complicate auto cases. Funding helps claimants survive the wait.
North Carolina's strict contributory negligence rule makes injury cases harder to win and slower to settle. Pre-settlement funding bridges the wait.
Like North Carolina, Virginia uses pure contributory negligence. Funding still helps claimants with strong-liability cases wait for fair settlements.
Arizona injury cases benefit from pure comparative fault, but extended timelines still squeeze claimants financially. Funding bridges the wait.
Seattle and King County injury cases face long backlogs. Pre-settlement funding helps Washington claimants stay current on bills during the wait.
Massachusetts injury cases under the no-fault PIP system still produce viable tort claims for serious injuries. Funding helps bridge the wait.
Camp Lejeune water contamination claims under the 2022 Honoring Our PACT Act are working through federal court. Pre-settlement funding bridges the long wait.
Veterans with hearing loss or tinnitus from defective 3M Combat Arms earplugs use pre-settlement funding to bridge the wait for settlement distribution.
Hernia mesh implant failures have produced multi-billion-dollar verdicts. Pre-settlement funding helps claimants weather the long litigation timeline.
Roundup non-Hodgkin's lymphoma claims continue to settle and try in waves. Pre-settlement funding helps claimants stay financially stable during the wait.
Johnson & Johnson talc lawsuits continue through MDL and state court proceedings. Pre-settlement funding helps claimants weather the wait.
Chemical hair relaxer lawsuits alleging uterine and ovarian cancer are consolidated in the Northern District of Illinois. Funding bridges the long wait.
Paraquat herbicide lawsuits allege exposure caused Parkinson's disease. Pre-settlement funding helps claimants manage living expenses during MDL proceedings.
Necrotizing enterocolitis lawsuits against Abbott and Mead Johnson involve premature infants harmed by cow-milk formulas. Funding helps grieving families.
Lawsuits against Meta, TikTok, Snap, and YouTube for youth mental health harms are consolidated in California. Funding helps families manage costs during the wait.
Tylenol autism cases were largely dismissed at the Daubert stage. We're tracking related MDL developments closely — here's the funding landscape.
Rear-end crashes seem simple but often produce long-term whiplash, herniated discs, and TBI claims. Funding bridges the wait.
Head-on collisions produce some of the most severe injury cases. Funding helps catastrophic-injury claimants weather years-long litigation.
Hit-and-run accidents leave claimants relying on their own uninsured motorist coverage. Funding helps while the UM claim is investigated.
Drunk driving cases often involve punitive damages and dram shop claims against bars. Funding helps claimants wait for full recoveries.
When the at-fault driver has no insurance, your UM claim is your only path. Funding bridges the wait while you fight your own carrier.
Pedestrian-versus-vehicle crashes produce some of the most severe injuries. Funding helps survivors wait for full recovery.
Cyclists hit by cars face severe injuries and aggressive defense tactics. Funding helps riders wait for fair recoveries.
Rental e-scooter injuries involve complex liability between riders, vehicles, and scooter companies. Funding bridges the wait.
Uber and Lyft drivers injured on the platform face complex multi-policy claims. Funding bridges the wait while coverage is sorted out.
Gig delivery drivers injured on the job face employment classification fights alongside their injury claim. Funding bridges the gap.
Construction injury cases often involve both workers' comp and third-party claims. Funding bridges the long wait.
Falls from scaffolding produce some of the most severe construction injuries. New York's Labor Law §240 makes them particularly fundable.
Medical malpractice cases take years to resolve. Pre-settlement funding lets patients wait for fair recoveries.
Birth injury cases produce lifelong consequences for child and family. Funding helps families manage immediate needs during long litigation.
Nursing home neglect and elder abuse cases involve vulnerable victims and complex defendants. Funding helps families pursue accountability.
Both promise fast cash, but the structural differences are dramatic. Here's why pre-settlement funding wins for injury claimants.
Maxing credit cards during a long injury case can cost more than a pre-settlement advance. Here's how to think about it.
Home equity lines look cheap on the surface but put your house at risk. Pre-settlement funding doesn't touch your home.
Borrowing from your 401(k) during a lawsuit can trigger taxes, penalties, and decades of lost growth. Pre-settlement funding leaves retirement alone.
Bank personal loans are cheaper if you qualify — but most injured claimants can't get one. Here's the realistic comparison.
The pre-settlement funding industry has its share of bad actors. Use these criteria to separate the reputable from the predatory.
Rates on pre-settlement funding aren't quoted as APR. Here's how to evaluate the real cost and compare across providers.
Most claimants want to know what percentage of the settlement will go to repay the advance. Here's how to estimate it.
Most pre-settlement funding agreements allow early payoff at reduced cost. Here's when it makes sense — and when it doesn't.
Attorneys disburse settlement funds in a standard order. Here's where your pre-settlement advance fits in.
Most claimants think funding requires reams of paperwork. The reality: your attorney provides most of it, not you.
Funding is faster than most claimants expect. Here's the hour-by-hour breakdown of what actually happens.
Almost all reputable funders require attorney representation. Here's why — and what to do if you don't have one yet.
Funders approve based on case merits, not credit. Here's what underwriting actually looks for.
If one funder declines, that doesn't mean every funder will. Here's how to understand the denial and what to do next.
Same-day funding is real but requires a few conditions. Here's how to maximize your odds.
AARC funds amounts from $500 to $100,000+. Here's how to think about the right amount for your situation.
Many claimants take two or three advances over the life of a case. Here's how repeat funding works.
Even after settlement, the check can take 30 to 90 days to arrive. Post-settlement funding bridges that final wait.
Sometimes the right answer is to wait. Here's how to know when — and how to keep your case moving in the meantime.
Insurance carriers ask for recorded statements knowing claimants will hurt their own case. Talk to an attorney first.
Insurance companies hire investigators to surveil claimants and look for activities inconsistent with reported injuries. Be aware.
Posts you think are harmless can be used against you. Here's what to avoid during a personal injury claim.
IME doctors work for the defense, not for you. Here's how to prepare and protect your case.
Insurance carriers anchor low and negotiate up. Knowing the pattern helps claimants hold out for fair value.
Most cases settle before trial, but a meaningful percentage do go all the way. Here's how to think about trial risk.
Liens from health insurers, Medicare, Medicaid, and hospitals reduce your net settlement. Here's how they're managed.
ERISA-controlled health plans can claim full reimbursement under U.S. Airways v McCutchen. Funding decisions account for this.
MSAs can delay settlement payment and reduce net recovery. Funding helps bridge the MSA review period.
Delay is a deliberate carrier tactic. Recognizing it helps claimants stay strong instead of folding.
TBI cases involve complex damages and long recovery. Funding helps survivors and families manage the long wait.
Spinal cord injuries produce lifelong disability and astronomical care costs. Funding helps families during long litigation.
Herniated disc cases hinge on imaging and treatment documentation. Funding helps claimants pursue full recovery.
Whiplash and soft tissue cases face skeptical insurance treatment. Funding helps claimants document thoroughly and wait for fair offers.
Knee injuries from falls and crashes often require surgery and long rehabilitation. Funding bridges the wait.
Burn injuries from electrical accidents, fires, and explosions produce severe damages. Funding helps survivors manage long recovery.
Amputation cases produce some of the largest verdicts and settlements. Funding helps survivors weather long litigation.
Psychological injuries from serious accidents are real and compensable. Funding helps claimants pursue treatment and recovery.
Dental injuries from accidents require costly long-term treatment. Funding bridges the wait for settlement.
Wrongful death cases give surviving families financial stability for life decisions. Pre-settlement funding helps during the long wait.
Each state sets its own deadline to file suit. Missing it ends the case — and any funding eligibility.
Contingency fees let claimants hire experienced attorneys without upfront cost. Here's how the math works.
Insurance carriers use formulas; juries don't. Here's how settlement values are estimated and negotiated.
Punitive damages punish defendants for egregious conduct. They can dramatically increase recoveries in qualifying cases.
Each state's fault rule shapes case value and funding decisions. Here's the breakdown.
Some claims can be handled without an attorney. Most can't. Here's how to tell the difference.
If your attorney isn't communicating or moving the case, you can switch. Here's how it works.
From filing to verdict, trial-track cases take 12 to 30 months. Here's the breakdown.
Most cases that don't settle informally end at mediation. Trial is rare but sometimes necessary.
Structured settlements pay out over time. Lump sums pay now. Both have trade-offs.
Returning to work too early can hurt both your health and your case. Funding helps you wait until you're ready.
PT is critical for recovery but expensive. Funding helps claimants stay consistent.
Pain management, anti-inflammatories, and other post-injury medications add up. Funding helps.
When you can't drive after an injury, getting to appointments becomes its own challenge. Funding helps.
Parents recovering from injuries often need extra childcare. Funding helps cover the cost.
Wheelchair ramps, bathroom modifications, and accessibility upgrades cost real money. Funding helps.
Hand controls, wheelchair lifts, and adaptive equipment can cost tens of thousands. Funding helps.
Therapy and psychiatric care after trauma are critical — and expensive. Funding helps claimants get the care they need.
Bankruptcy during a pending injury claim creates serious complications. Funding can sometimes prevent it.
Months or years of reduced income test any household. Here's how injured claimants make it through.
Misinformation keeps injured claimants from a legitimate financial tool. Here are the most common myths and the reality.
Funding helps a lot of claimants, but it isn't always the right answer. Here's when to skip it.
Personal injury cases come with their own vocabulary. Here are the terms that matter most.
Credit score doesn't factor into pre-settlement funding decisions. Here's why — and what does matter.
Without a job, you can't get a bank loan. Pre-settlement funding doesn't care.
Retirees on fixed income face particular challenges during long injury claims. Funding helps.
SSDI and SSI recipients can take pre-settlement funding without affecting benefits — usually.
Many work injuries have third-party claims alongside workers' comp. Funding bridges the long wait.
Trucking cases produce substantial recoveries but take time. Funding bridges the long wait.
If the at-fault driver has no insurance, your own UM coverage steps in. Funding bridges the wait.
Yes. Many claimants take multiple advances over the life of a case as new financial needs come up.
Insurance companies count on financial pressure to force quick, cheap settlements. Pre-settlement funding takes that leverage away.
The pre-settlement funding industry has its share of bad actors. Here's how AARC's standards are different — and what to look for in any funder.
Most claimants are approved for 10% to 20% of expected case value. Here's how that calculation works in practice.
Non-recourse is the single most important word in pre-settlement funding. It's also the most misunderstood.
Misinformation about pre-settlement funding keeps people from a legitimate financial tool. Here are the myths worth busting.
Most advances close in 24 to 48 hours. Here's exactly what happens between the moment you apply and the moment funds hit your account.
Auto accidents, slip-and-falls, workers' comp, medical malpractice, and more. Here's a quick reference for which case types AARC funds.
Short answer: nothing. You keep the money, and the advance is written off. The full answer is worth understanding.
Pre-settlement funding helps a lot of people, but it isn't for everyone. Run through this checklist before you apply.
Pre-settlement funding looks like a loan on the surface, but five core differences make it a fundamentally safer option for injury claimants.
Most experienced PI attorneys have worked with funding companies and understand exactly why and when an advance makes sense for a client.
Rates aren't quoted as APR because there's no fixed term. Here's how to think about the real cost of an advance.
A plain-English breakdown of pre-settlement funding, how it differs from a loan, and why thousands of injury claimants use it every month.
Applying takes about three minutes. Here's exactly what we ask, why we ask it, and what happens after you submit.
Funding doesn't change who controls your case. Your attorney still calls the legal shots and you retain full decision-making over settlement.
Medical providers don't pause billing because you're in litigation. Here's how injured claimants use pre-settlement funding to keep accounts in good standing.
There's no rule about how you spend your advance, but some uses make more financial sense than others.
The average personal injury case takes 12 to 18 months to settle. Here's why — and how to handle the wait financially.
Gaps in treatment hurt both your recovery and your case. Funding helps claimants stay consistent with appointments, therapy, and prescriptions.
Credit scores have nothing to do with whether your injury case will settle. That's why pre-settlement funding is approved on case merits alone.
Your car is totaled, the other driver's insurance is dragging its feet, and you need to get to work. Here's how funding fills the gap.
Premises liability cases are often contested aggressively. Funding helps claimants stay financially stable through the long fight.
Rideshare cases involve multiple insurance policies and complex liability. Funding helps claimants wait out the inevitable delays.
When you can't work, rent doesn't stop. Pre-settlement funding is one of the most common tools claimants use to avoid eviction during recovery.
Motorcycle accidents tend to cause more severe injuries and longer recovery times. Funding helps riders weather extended time off work.
The financial decisions you make in the first 90 days after an accident can shape your recovery for years. Here are five to avoid.
Dog bite cases can settle quickly or drag on for months depending on the insurance situation. Funding bridges both scenarios.
If you're self-employed, an injury means no paid leave and no disability check. Pre-settlement funding can be a lifeline.
Workers' compensation benefits often replace only a fraction of lost wages. Cash advances help bridge the gap during a contested claim.
Both products help injury claimants, but they serve completely different situations. Here's when each makes sense.
Truck accident cases involve higher policy limits — and longer timelines. Cash advances help injured claimants weather the longer wait.
You agreed on a number, signed the release, and... waited. Here's what's actually happening to your money during those final weeks.
A well-prepared first meeting saves weeks of back-and-forth and can speed up everything that follows — including funding.
Apply in minutes. Funding in as little as 24 hours.