Eligibility
Florida Pre-Settlement Funding for Auto and Premises Liability Cases
• 2 min read
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.
Florida personal injury cases became more complex after the 2023 tort reform package (HB 837), which shortened the statute of limitations on negligence claims from four years to two and adopted modified comparative negligence. Litigation strategies have shifted, and timelines have generally stretched.
Florida's no-fault system covers initial medical care up to PIP limits ($10,000 typically), but serious injuries quickly exceed those limits and push claimants into third-party tort claims that can take 18 months or longer to resolve.
AARC funds Florida injury claims — auto, motorcycle, slip-and-fall, premises liability, and more — based on case strength, not credit. There are no monthly payments and you owe nothing if the case loses.
Common Florida cases we fund include rear-end crashes on I-95 and I-4, scooter and bicycle collisions in Miami and Orlando, tourist slip-and-falls at hotels and theme parks, and nursing home neglect claims.
Hurricane-related construction injuries and condo-deck collapse cases have also been funded in growing numbers over the past two years as litigation works through Florida's courts.
Apply online or call (800) 297-3834 to see what your Florida case qualifies for — same-day decisions are routine.
Frequently asked questions
- What do I need to apply?
- An active personal injury claim, an attorney representing you on contingency, and your attorney's contact information. That is it.
- Is a pre-settlement cash advance a loan?
- No. It is non-recourse funding tied to your personal injury claim. There are no monthly payments, and if your case does not recover, you owe nothing.
- Do I need good credit or a job to qualify?
- No. AARC does not run a credit check and does not require employment or income verification. Approval is based on the strength of your claim and your attorney's representation.
- How fast can I get funded?
- Most approved applicants receive funds in as little as 24 hours once AARC has the case documents from your attorney.
- How much does it cost?
- AARC uses a flat fee rather than compounding monthly interest. Typical advances are $500, $750, or $1,000, and the illustrative payoff at settlement is 2x the advance amount.
About the author
Written by the funding team at AARC — Accident Advance & Resource Center. AARC underwrites pre-settlement cash advances for personal injury claimants and works directly with plaintiff attorneys across 45 states. Our team reviews case documentation daily and writes from that firsthand experience.
This article is general information, not legal or financial advice. Always confirm details with your attorney. Contact AARC or call (800) 297-3834 with questions about your specific case.
