Use Cases
Uninsured Motorist Claim Funding: What You Need to Know
• 2 min read
When the at-fault driver has no insurance, your UM claim is your only path. Funding bridges the wait while you fight your own carrier.
Approximately 1 in 8 drivers nationwide is uninsured. When one of them hits you, your own uninsured motorist coverage becomes your sole avenue of recovery.
UM claims are technically against your own insurance company. Despite paying premiums for the coverage, you often face the same delays and lowball offers as a third-party claim.
AARC funds UM claims based on case strength and available coverage. No credit check, no monthly payments, no recourse if the case loses.
Documentation requirements are similar to standard auto cases: police report, photos, medical records, and proof of UM coverage limits.
Funding decisions are typically same-day once your attorney returns the file and coverage is confirmed.
Apply online or call (800) 297-3834 for a same-day decision on your UM claim.
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.
