Use Cases
Workers' Comp Third-Party Claims and Pre-Settlement Funding
• 2 min read
Many work injuries have third-party claims alongside workers' comp. Funding bridges the long wait.
Many on-the-job injuries involve a negligent third party (not your employer) — a contractor, equipment manufacturer, property owner, or driver — alongside the workers' comp claim.
WC pays partial wages and medical care quickly but is capped. The third-party claim produces full damages but takes much longer to resolve.
AARC funds third-party work injury claims with no credit check, no monthly payments, and no recourse if the case loses.
Common third-party scenarios: construction injuries involving other contractors, delivery-driver crashes, equipment failures by manufacturers, premises liability against property owners.
WC subrogation liens get satisfied at third-party settlement — typically reducing net recovery. AARC's underwriting accounts for WC liens.
Call (800) 297-3834 or apply online for a same-day decision.
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.
