Eligibility
New Jersey Lawsuit Loans for Auto and Premises Cases
• 2 min read
New Jersey's verbal threshold and limitation-on-lawsuit election complicate auto cases. Funding helps claimants survive the wait.
New Jersey requires most auto accident claimants to choose between the 'limitation on lawsuit' (verbal threshold) and 'no limitation' options when buying PIP coverage. That choice — and the litigation about whether the threshold is met — adds time to most cases.
AARC funds New Jersey personal injury cases statewide with no credit check, no monthly payments, and no recourse against you if the case loses.
Common New Jersey cases funded include Turnpike and Parkway accidents, NJ Transit injuries, slip-and-falls at shopping centers, dog bites, and medical malpractice claims.
Funding decisions are typically same-day once your attorney returns the case file. Wires hit your account within 24 hours of accepting the agreement.
Verbal threshold litigation can add 6 to 12 months to a case. Pre-settlement funding gives claimants breathing room to wait for the right resolution.
Apply online or call (800) 297-3834 for a same-day decision.
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.
