Motorcycle accidents tend to cause more severe injuries and longer recovery times. Funding helps riders weather extended time off work.
Bias against riders in jury pools and from insurance adjusters means motorcycle cases often take longer to resolve and require trial preparation more often than standard auto cases.
Severe injuries — fractures, road rash, traumatic brain injuries — mean longer recoveries and bigger medical bills.
Many motorcycle claimants are self-employed or hourly workers without paid leave. A few months off work without income is financially catastrophic.
Pre-settlement funding addresses all three pressures: time, bills, and lost income, without requiring repayment until the case resolves.
Why motorcycle cases take longer
Insurance adjusters and jurors often carry bias against riders, assuming the rider must have been speeding, weaving, or otherwise contributing to the crash.
Defense attorneys exploit that bias, which means motorcycle cases more often need to be prepared for trial rather than settling quickly.
Why injuries tend to be severe
Riders have no airbags, no crumple zones, and no seatbelts. Even a low-speed collision can produce fractures, road rash, traumatic brain injuries, or worse.
Severe injuries mean longer recoveries, more medical bills, and longer time out of work — exactly the scenario funding is designed for.
Lost income hits riders harder
A disproportionate share of motorcycle owners are self-employed tradespeople, gig workers, or hourly employees without paid leave.
When they cannot work, there is no employer-sponsored disability and no PTO. Income simply stops.
Insurance coverage considerations
When the at-fault driver has minimum-limit coverage, the case may run primarily against your own underinsured motorist coverage — which can complicate timing and recovery amounts.
AARC funds both at-fault and UIM-driven recoveries. Talk to your attorney about which coverages are in play.
Talk to AARC before you make a financial move you'll regret
Every situation is different, and the right answer depends on the specifics of your case, your timeline, and what you need the money for. The single best thing you can do is have a short, no-pressure conversation with someone who funds these cases every day.
Call AARC at (800) 297-3834 or apply online in about three minutes. There is no credit check, no obligation, and no cost to find out what you qualify for. If a cash advance isn't the right tool for your situation, we'll tell you that too.
