What Underwriters Look For
- Liability. A police report assigning fault to the other driver is the gold standard. Witness statements, photos, and dashcam footage also help.
- Injuries. Documented medical treatment is essential. The more comprehensive the records, the stronger the case.
- Insurance coverage. The defendant's policy limits — and your own underinsured motorist coverage — define what a fair settlement can be.
Cases That Qualify Easily
- Rear-end collisions with clear liability.
- DUI-involved accidents.
- Commercial vehicle accidents.
- Hit-and-run cases where UM coverage applies.
Cases That Take More Work
- Disputed-liability intersection cases.
- Soft-tissue-only injuries with limited treatment.
- Minimum-policy-limit cases against uninsured defendants.
How Much Funding Can You Get?
Most plaintiffs receive between 10% and 20% of their case's estimated settlement value. A case worth $100,000 might qualify for $10,000–$20,000 in funding. See how much funding can I receive for the full breakdown.
What If I'm Partially at Fault?
Depends on your state. Comparative-fault states reduce recovery proportionally; a few states (like North Carolina) bar recovery entirely if you are even slightly at fault. Funding underwriters factor this in.
Sources & Further Reading
For broader context, see National Highway Traffic Safety Administration — traffic safety facts. This article is general educational information and does not constitute legal or financial advice.
Frequently Asked Questions
Yes, though terms may be better once treatment is documented and a demand letter has been issued.
Your own underinsured/uninsured motorist coverage applies. UM cases are routinely funded.