Eligibility
Michigan Pre-Settlement Funding After No-Fault Reform
• 2 min read
Michigan's 2019 no-fault overhaul reshaped how auto cases work. Pre-settlement funding still bridges the gap for serious injury claims.
Michigan's 2019 no-fault reform (PA 21 and 22) changed PIP medical caps, fee schedules, and what claimants can recover. Litigation over fee schedule disputes and serious-injury threshold issues has filled court dockets.
Despite reform, Michigan still allows third-party tort recovery for serious impairment of body function. Those cases — especially against commercial defendants — can take 18 months or longer to resolve.
AARC funds Michigan personal injury cases with no credit check and same-day funding decisions on most applications.
Common Michigan case types we fund include auto accidents on I-75 and I-94, commercial trucking crashes, premises liability against Michigan retailers, dog bites, and workers' compensation third-party claims.
Detroit, Grand Rapids, Lansing, Flint, and across the state — funding is available based on case strength, not zip code.
Call (800) 297-3834 or apply online for a fast decision on your Michigan case.
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.
