Use Cases
Hit-and-Run Lawsuit Funding Through UM/UIM Claims
• 2 min read
Hit-and-run accidents leave claimants relying on their own uninsured motorist coverage. Funding helps while the UM claim is investigated.
When the at-fault driver flees the scene, your only avenue of recovery is usually your own uninsured motorist (UM) coverage. Those claims involve fighting your own insurance company, which can take months.
AARC funds UM/UIM claims arising from hit-and-run accidents based on case strength and available coverage. No credit check, no monthly payments.
Documentation matters: police report, witness statements, dash cam footage, and any partial vehicle description help establish the UM claim.
Funding decisions on UM cases require confirmation of coverage and policy limits. Cases with strong documentation and adequate coverage support advances in the low to mid five figures.
If the hit-and-run driver is later identified, the case may convert to a standard third-party claim. Existing funding agreements remain in place.
Apply online or call (800) 297-3834 for a same-day decision on your hit-and-run case.
Frequently asked questions
- What can I spend the advance on?
- There are no restrictions. Claimants commonly use funds for rent, groceries, utilities, transportation, childcare, and medical co-pays while their case is pending.
- 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.
