Pre-Settlement Funding for Car Accidents in Philadelphia
If you were hurt in a car accident in Philadelphia and your case is pending, pre-settlement funding can provide you with funds now to cover your bills while you wait for a fair settlement. At Go Philly Funding, we provide non-recourse pre-settlement funding to car accident plaintiffs across Philadelphia and the surrounding counties. That means if your case does not result in a settlement or verdict, you owe nothing back.
Car accidents are among the most common personal injury cases in Philadelphia, and it is not hard to understand why. Between the stop-and-go gridlock on I-76, high-speed collisions on Roosevelt Boulevard, congestion along I-95, and everyday fender-benders on Broad Street and city side streets, Philadelphians face dangerous driving conditions every day. If an accident left you unable to work and your bills are stacking up, you should know that financial help exists while your attorney fights for what you deserve.
What Makes a Car Accident Case Qualify for Funding?
Even if you think the crash was partly your fault, you may still qualify. Pennsylvania follows a comparative negligence standard, which means you can recover damages even when you share some of the blame, and pre-settlement funding follows the same logic.
Not every car accident case qualifies, but many do. Beyond fault, a few of the main things we look at when reviewing an application:
- You have an attorney handling your case. An attorney must be actively representing you. We work directly with your lawyer to review the case.
- Your case has merit. There needs to be a clear path to a settlement or verdict based on the facts, the injuries, and the available insurance coverage.
Your credit score, employment status, and income do not factor into the decision. Approval is based on the strength of your case, not your financial history.
What Types of Car Accident Injuries Qualify?
Car accidents cause a wide range of injuries, and the severity of the injury often determines how much funding you can receive. Some of the most common car accident injuries we see in funding applications include:
- Whiplash and neck injuries. Rear-end collisions on congested roads like the Schuylkill Expressway frequently cause soft tissue injuries that limit mobility and make it painful to work.
- Broken bones and fractures. High-impact crashes on I-95 or at busy intersections like Broad and Olney can result in fractures that require surgery and months of recovery.
- Spinal cord and back injuries. Herniated discs, bulging discs, and spinal compression injuries often require ongoing treatment, injections, or surgery.
- Traumatic brain injuries (TBI). Even a moderate collision can cause a concussion or more severe brain injury, especially in T-bone or head-on crashes.
- Soft tissue injuries. Sprains, strains, and tears that may not show up on an X-ray but still prevent you from working and living normally.
If your injury is keeping you out of work and requires ongoing medical treatment, your case is likely a strong candidate for funding.
Why Do Car Accident Plaintiffs Need Funding?
A car accident does not just injure your body. It disrupts your entire financial life, often all at once.
You may not be able to drive. If your car was totaled or is in the shop, getting to work, medical appointments, and your kids' school becomes a daily challenge. In Philadelphia, that might mean relying on SEPTA or asking family and friends for rides.
You may not be able to work. Whether you drive for a living, work in a warehouse, stand on your feet in retail, or sit at a desk, many car accident injuries make it impossible to do your job. Lost wages start adding up from the first week.
Your bills do not stop because your paycheck did. Rent, utilities, car payments, groceries, prescriptions, childcare. The accident stopped your income, but it did not stop any of those expenses. And medical bills from the accident itself start arriving on top of everything else.
Insurance companies know this. They know that the longer your case drags on, the more financial pressure builds. That pressure is exactly what leads people to accept lowball settlement offers just to make it stop. Pre-settlement funding can help provide the breathing room to wait for what your case could actually be worth, instead of having to settle for less.
How Does Non-Recourse Funding Protect You?
The key protection here is simple: non-recourse means you only repay the funding if your case wins.
If your car accident case does not result in a settlement or verdict, you owe Go Philly Funding nothing. You have no personal obligation to repay Go Philly Funding from your own assets or income if you lose your case. Go Philly Funding absorbs the funds previously advanced.
This is different from a bank loan or a payday loan. Those come with terms and fine print built to protect the lender, and they require you to repay no matter what happens with your case. Borrowing from family avoids some of that, but it carries a different weight: it can be hard to ask, and it can strain the people closest to you. With non-recourse pre-settlement funding, the repayment comes from your settlement proceeds only after your case resolves, and there are no monthly payments to make while it is pending.
Frequently Asked Questions
Does partial fault disqualify me from pre-settlement funding?
Pennsylvania follows a comparative negligence standard, which means you can still recover damages even if you were partly at fault for the accident. Pre-settlement funding eligibility follows the same logic: if your attorney is pursuing a personal injury claim and the case has merit, partial fault does not automatically disqualify you. We review the specifics with your attorney.
Can I get funding for a rideshare accident (Uber or Lyft)?
Yes. Rideshare accidents qualify the same way other car accident cases do. If you were a passenger in an Uber or Lyft that was involved in a collision, and you have an attorney representing you, your case may qualify for funding. We review the specifics with your attorney just as we would with any other car accident case.
Does my attorney need to approve of me getting funding?
Your attorney is part of the process. We contact your attorney directly to review your case details before approving any funding. We never go around your lawyer. Some attorneys are familiar with pre-settlement funding; others may have questions. We are happy to answer those questions directly.
What happens if I lose my car accident ca
If your case does not result in a settlement or verdict, you owe nothing. You have no personal obligation to repay Go Philly Funding from your own assets or income if you lose your case. Go Philly Funding absorbs the funds previously advanced.
How Do You Apply for Car Accident Funding in Philadelphia?
The process is simple, and we handle most of the work:
- Apply online at gophillyfunding.com/apply. The application takes only a few minutes.
- We contact your attorney directly to review your case details. You do not need to gather paperwork or chase down documents.
- If approved, you can receive funds in as little as 24 hours. No credit checks. No application fees.
Whether your accident happened on the Boulevard, on I-76 during rush hour, in a rideshare on Chestnut Street, or in a parking lot in the Northeast, the application process is the same. If you have a pending car accident case and an attorney representing you, you may qualify.