Education
Staying Financially Stable During a Long Personal Injury Claim
• 2 min read
Months or years of reduced income test any household. Here's how injured claimants make it through.
Personal injury claims commonly take 12 to 24 months — sometimes longer. Reduced income, mounting medical bills, and ongoing living expenses all add up.
Prioritize bills with the worst consequences: housing first (eviction and foreclosure are years-long damage), then transportation, then medical, then everything else.
Explore no-cost options first: hardship arrangements with landlords, payment plans with medical providers, utility assistance programs, food assistance.
Pre-settlement funding fills the gap when no-cost options run out. Non-recourse, no credit check, no monthly payments.
AARC funds qualifying cases with same-day decisions in most cases.
Call (800) 297-3834 or apply online to see what funding can do for your situation.
Frequently asked questions
- Will taking an advance reduce my settlement?
- The advance plus its flat fee is repaid out of the settlement, so your net proceeds are reduced by that amount. It does not affect the gross value your attorney negotiates.
- 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.
