Many personal injury cases involve more than one at-fault party. Multi-vehicle accidents, construction site injuries, product liability claims, medical malpractice cases, and commercial negligence lawsuits often include multiple defendants, each represented by separate insurance companies and legal teams.

When liability is shared, cases become more complex—and slower to resolve. Plaintiffs often wonder how this affects pre-settlement funding. The good news is that having multiple defendants does not prevent funding, and in many cases, it can actually strengthen eligibility.

Why Cases With Multiple Defendants Take Longer

Cases involving more than one defendant typically require:

• Determining each party’s percentage of fault

• Coordinating multiple insurance policies

• Resolving disputes between defendants

• Extended discovery and expert analysis

• Separate legal strategies and defenses

• Complex settlement negotiations

Defendants often delay resolution by blaming one another, which prolongs the process and increases financial pressure on plaintiffs.

Does Having Multiple Defendants Affect Funding Eligibility?

No—multiple defendants do not disqualify you from funding.

Pre-settlement funding is based on:

• Overall case strength

• Total potential settlement value

• Liability evidence

• Medical damages

• Attorney confirmation

In fact, multiple defendants may increase available coverage, which can support funding approval when evaluated responsibly.

How Pre-Settlement Funding Works in Multi-Defendant Cases

Pre-settlement funding remains a non-recourse advance, meaning:

• You receive funds before the case resolves

• You repay only if the case settles or wins

• There are no monthly payments

• If the case is unsuccessful, you owe nothing

Funding is tied to the case outcome, not to any single defendant.

Whether the case resolves through:

• One global settlement

• Multiple partial settlements

• Jury verdicts allocating fault

…the funding agreement remains intact.

How Insurance Coverage Factors Into Funding

In cases with multiple defendants, funding providers evaluate:

• Each defendant’s insurance coverage

• Policy limits

• Likelihood of contribution to settlement

• Defense strategies

• Attorney assessment of collectability

If at least one defendant has viable insurance coverage, funding may still be available—even if liability is contested among parties.

Can You Receive Funding Before Fault Is Fully Allocated?

Yes. Fault allocation often happens late in the case—sometimes at trial. Funding does not require final fault determination, only a reasonable expectation of recovery.

Instabridge works with your attorney to assess:

• Preliminary liability evidence

• Strength of claims against each defendant

• Settlement posture

• Risk exposure

This allows funding decisions without waiting years for final allocation.

Why Funding Is Especially Helpful in Multi-Defendant Cases

Cases involving multiple defendants often come with added delays and pressure. Funding helps plaintiffs:

• Stay financially stable during prolonged litigation

• Avoid early settlements that favor one defendant

• Continue medical treatment

• Resist blame-shifting tactics

• Allow attorneys time to negotiate fair allocations

Without funding, plaintiffs may feel forced to accept partial settlements that undervalue the case.

Responsible Funding Protects Your Final Recovery

Multi-defendant cases can produce large settlements—but only when funding is used responsibly. Ethical providers ensure:

• Advances are proportionate to expected recovery

• Attorney fees and liens are considered

• Plaintiffs retain meaningful compensation

• Funding does not over-leverage the case

Instabridge evaluates these cases carefully to protect long-term outcomes.

Why Plaintiffs Trust Instabridge in Complex Liability Cases

Instabridge has experience supporting plaintiffs in cases involving:

• Multiple drivers

• Construction site accidents

• Corporate negligence

• Product liability

• Medical malpractice

• Premises liability

We offer:

• Fast approvals (24–48 hours)

• Flat-rate, transparent pricing

• Non-recourse funding

• Attorney coordination

• Responsible funding limits

We help plaintiffs navigate complexity without sacrificing stability.

Conclusion: Multiple Defendants Don’t Mean Fewer Options

When multiple defendants are involved, cases take longer—but funding remains available. Pre-settlement funding from Instabridge helps plaintiffs stay secure while attorneys untangle liability and pursue fair compensation from all responsible parties.

If your case involves multiple defendants and financial pressure is mounting, contact Instabridge today. We’ll review your situation and help you access funding safely and responsibly.