$500–$25,000 while your auto-injury case works its way to settlement. Non-recourse. Funded in 24 hours.
Car accidents are the most common personal-injury case we fund. If your lawsuit is against another driver, a commercial fleet, a rideshare company, or a defective-vehicle manufacturer, and your attorney can verify the case, we can typically fund you within 24 hours of the underwriting call. This page walks through how funding actually works for an auto case, what a typical Ohio car-accident lawsuit timeline looks like, and the questions plaintiffs ask us most often.
A car-accident lawsuit begins after settlement negotiations with the at-fault driver's insurer stall — usually because the insurer's offer is too low, the injuries are more serious than the policy limits, or liability is disputed. Once you and your attorney file suit, the case can take 12–36 months to resolve in Ohio. Pre-settlement funding is a non-recourse cash advance against the future settlement of that lawsuit. It is not a personal loan. If you lose the case, you owe us nothing — repayment only comes out of the settlement.
Very common Ohio case. Two-year statute; MRI usually needed within 90 days to preserve the causation argument. If policy limits are only $25K–$50K and the medicals exceed that, most Ohio attorneys will file suit within 90 days of demand. Funding decisions on this profile are usually straightforward if a treating physician has documented the injury.
Trucking cases (FMCSR violations, hours-of-service, logbook issues) can be higher-value but slower — often 18–36 months. We fund these regularly; underwriting looks at the trucking company's coverage stack (typically $1M primary + excess) and the case's liability posture.
Rideshare cases are governed by specific insurance periods (App off / App on, no passenger / Passenger in vehicle). Ohio follows the Transportation Network Company Act. Plaintiffs are often surprised by how quickly rideshare insurers move once liability is clear — we structure funding advances with this timing in mind.
Ohio's statute of limitations for bodily injury from a motor-vehicle accident is two years from the date of the crash (Ohio Rev. Code § 2305.10). Property-damage claims have a longer window (four years, § 2305.09). If your accident happened outside Ohio, the statute in the state where it happened controls.
Ohio car-accident settlements vary widely with injury severity. Soft-tissue-only cases with completed treatment commonly settle in the $10,000–$50,000 range; cases involving surgery, disc herniation, or long-term impairment routinely exceed $100,000; catastrophic cases (traumatic brain injury, spinal cord, wrongful death) can reach the low millions when policy limits and umbrella coverage permit. Instabridge underwrites the specific case, not category averages.
For a car-accident case we ask your attorney for the complaint (or demand letter if pre-suit), the OH-1 crash report, current medical bills and records, and a short case memo — nothing more. Most attorneys can produce this in under 30 minutes. Underwriting typically takes 2–6 hours after we receive the file. Approved plaintiffs are wired the same or next business day.
You'll need an attorney of record first. Most funding companies (including us) require a signed representation agreement before we can begin underwriting, because we need your attorney's cooperation on the case memo and case file. If you haven't retained counsel yet, that's step one.
Uninsured/underinsured-motorist (UM/UIM) claims are absolutely fundable. Your own auto policy's UM/UIM coverage becomes the defendant. Ohio requires insurers to offer UM/UIM in equal amounts to your liability coverage, and Ohio courts treat UM/UIM claims like third-party liability claims for funding purposes.
No. The advance is between you and Instabridge; defendants and their insurers cannot use it against you at trial (it is generally inadmissible under Ohio evidence rules). Some states require disclosure to the defense — Ohio does not currently mandate it.
The typical advance we approve is 8–15% of the conservative projected settlement, with an absolute cap of $25,000 to protect your recovery. A case with a $60K expected settlement typically supports $5K–$9K of funding. We deliberately cap to leave you the majority of your recovery.
The fee accrues over time, capped and disclosed up front in your contract. On a car-accident case that settles at 36 months, our total cost is typically less than the equivalent of a 20-month payday-loan roll. Every applicant sees the full multi-year cost schedule before signing.
Instabridge offerings that support car accident cases.
car accident cases we've funded across Ohio.