Use Cases
Paying for Physical Therapy During a Personal Injury Claim
• 2 min read
PT is critical for recovery but expensive. Funding helps claimants stay consistent.
Physical therapy is critical for orthopedic and soft-tissue recovery, but co-pays, deductibles, and frequency can quickly produce substantial out-of-pocket costs.
Skipping PT to save money hurts both your recovery and your case. Defense attorneys use gaps in treatment to argue you weren't really injured or you've recovered.
Pre-settlement funding can cover PT co-pays and out-of-network charges so you can complete the full recommended program.
AARC funds qualifying cases with no credit check and no monthly payments.
Many claimants use a portion of an advance specifically to keep PT consistent through the recovery period.
Call (800) 297-3834 or apply online to take PT pressure off.
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.
