Head-on Collision Accident Lawsuit Loans

Overview of Lawsuit Loans for Head-on Collisions

Legal disputes can be time-consuming and expensive, especially when dealing with head-on collision cases. Uplift Legal Funding can help ease your worries. We offer lawsuit loans specifically designed for such situations. These loans provide the financial assistance needed while awaiting a verdict or settlement.

Lawsuit loans are a type of non-recourse funding. What does that mean? Well, you only repay the loan if you win the lawsuit. If you lose, you owe us nothing. This helps take the pressure off plaintiffs, allowing them to focus on legal proceedings and personal recovery rather than financial strain.

Another major benefit is that obtaining these loans doesn’t depend on your credit score or employment history. The primary criterion is the merit of your case. Apply today and let Uplift Legal Funding shoulder some of your burden during this difficult time.

National statistics and fatalities

According to the Insurance Information Institute, in 2017, there were a total of 3,471 fatal head-on car collisions.

A total of 13,416 fatal collisions in 2017 involved other moving vehicles. Head-on collisions accounted for 10% of all fatal car accidents.

Head-on collisions were second only to angle collisions, which accounted for 18.6% of all fatal crashes.

This means in 2017, at least 3,471 people died as a result of a head-on collision.

Causes of head-on collisions and how to avoid them

Head-on crashes can be caused by a wide variety of factors.

• Dangerous road conditions – In certain weather conditions, roads can become unsafe and dividing lines obscured.
• Drunk driving – Drinking and driving makes people less aware of their surroundings.
• Drowsy driving – Unfortunately, a large number of head-on collisions are due to drivers falling asleep at the wheel and drifting into oncoming traffic.
• Faulty or unused headlights – In most older cars and some newer cars, headlights are manual. Failure to turn on your headlights can make you nearly invisible in some conditions.
• Inattention or distraction – With increased cell phone use, a larger number of head-on collisions are due to texting or talking while driving.
• Speeding – Drivers who drive too fast lose control of the vehicle and skid into oncoming traffic.
• Wrong-way entry – Sometimes a driver will accidentally enter a roadway in the opposite direction of traffic.

Head-on collision avoidance

Thankfully, given the severity of head-on collisions, signage, rumble strips, dividing walls, and center medians are now common preventative measures.

It’s important, however, to remain vigilant on the road, keep your headlights on at all times, and report anyone driving unsafely.

Try not to use cell phones when driving, and do your best to avoid any other distractions. Maintain a safe following distance and slow down if road or weather conditions worsen.

What to do if a car is driving toward you in your lane

If a car is driving in the wrong direction in your lane, it can be very scary. Therefore, we have compiled a list of actions you can take to avoid a head-on collision.

• Slow down – slow your vehicle by easing off the gas and pressing the brake pedal.
• Headlights and horn – flash your headlights and blast the horn as a warning.
• Go right – steer to the right of the oncoming vehicle.
• Clear area – try to steer into any available clear area, like a shoulder.
• Off-road – drive off the road if necessary. Hitting the ditch is better than hitting the other vehicle.

Establishing fault for your head-on collision lawsuit

Directly after a head-on collision, it may be difficult to tell right away who is at fault.

If you choose to pursue a lawsuit, your personal injury attorney may hire an engineer or an accident reconstruction specialist to determine who was mostly at fault.

You will also have to prove that the other party was at fault for the accident. You can do this by establishing the following:

• Duty of care – Every driver has a legal duty to avoid harming others. You will have to prove that the driver was not being careful while on the road.
• Negligence – A driver is negligent if they fail to act as a reasonable person would.
• Cause – You have to prove that your injuries are a direct result of the accident.

Types of fault

Each state has a different system for determining fault. Depending on the fault laws in place, you may not be able to seek compensation, or the amount may be reduced.

Below are the different types of fault systems:

Pure contributory negligence – If you are at fault at all, you will be barred from seeking compensation.

Pure comparative negligence – The percentage of fault assigned to you is deducted from your settlement.

Modified comparative fault (50%) – If you are less than 50% at fault, you can seek compensation.

Modified comparative fault (51%) – If you are less than 51% at fault, you can seek compensation.

No-fault – Regardless of who is at fault, you must go through your auto insurance to seek compensation for your injuries.

The following states are pure contributory states:

• Alabama
• District of Columbia
• Maryland
• North Carolina
• Virginia

Each state below is a pure comparative state:

• Alaska
• Arizona
• California
• Kentucky
• Louisiana
• Mississippi
• Missouri
• New Mexico
• New York
• Rhode Island
• South Dakota
• Washington

The following states have a modified comparative negligence threshold of 50%:

• Arkansas
• Colorado
• Georgia
• Idaho
• Kansas
• Maine
• Nebraska
• North Dakota
• South Carolina
• Tennessee
• Utah
• West Virginia

These states follow a modified comparative negligence threshold of 51%:

• Connecticut
• Delaware
• Florida
• Hawaii
• Illinois
• Indiana
• Iowa
• Massachusetts
• Michigan
• Minnesota
• Montana
• Nevada
• New Hampshire
• New Jersey
• Ohio

The following are no-fault states:

• Florida
• Hawaii
• Kansas
• Kentucky
• Massachusetts
• Michigan
• Minnesota
• New Jersey
• New York
• North Dakota
• Pennsylvania
• Utah

After establishing fault, you must determine which type of fault system your state follows. The course of action you take will vary on a state-by-state basis.

Types of injuries from head-on collisions

Head-on collisions have high fatality rates. If the crash is not fatal, there is a high likelihood of severe injury.

Below, we have listed some of the severe injuries that can result from a head-on collision:

• Spinal cord injuries – damage to the lumbar, thoracic, or cervical parts of the spine, usually resulting in paralysis from the affected section downward
• Traumatic brain injuries – injuries to the brain
• Broken bones – fractures and broken bones are common in head-on collisions
• Lacerations and bruises – cuts from shattered glass and different parts of the crashing vehicles
• Burns – 1st-, 2nd-, and 3rd-degree burns resulting from hot vehicle parts
• Wrongful death – death as a result of the accident

Head-on collisions vs. rear-end collisions

Head-on collisions are typically worse than rear-end collisions. However, rear-end collisions are more common.

The causes of each type of collision differ as well.

Typical causes of rear-end collisions include:

• A driver slamming on the brakes
• A driver following too closely to the vehicle in front
• A driver misjudging the stopping distance

This differs from the common causes of head-on collisions listed above. Rear-end collisions typically result in minor to severe injuries.

Common rear-end injuries include:

• Whiplash – a soft tissue injury that causes pain in the neck from abrupt stopping
• Lacerations and bruises – cuts from the car crashing and shattered glass
• Fractures – bones breaking or fracturing as a result of the accident

FAQs

Below we have answered some common questions about head-on collisions.

What rates does Uplift Legal Funding charge for head-on collisions?

Uplift charges rates between 17.5 and 22.5 percent, non-compounding. This means we never charge interest on already accumulated funds. We always charge based on the original fund amount. Our rates never increase.

Legal funding is expensive! Uplift knows this, which is why we offer rates among the lowest in the industry. We want you to keep the largest portion of your settlement possible.

Does credit history impact head-on collision lawsuit loans?

Credit history has no impact at all on your ability to get a head-on collision accident loan with Uplift. We grant legal funding based on the quality of your case.

This means that if your case meets certain criteria, you will qualify for a cash advance. These are the primary requirements to qualify for Uplift to review your case:

1. You are 18 years or older – Uplift is unable to grant funding to minors.
2. You have an attorney – You must have an attorney to apply for legal funding.
3. You need cash now – You need cash as soon as possible.

If you meet these criteria, then you qualify for legal funding with Uplift. Our personal injury case managers will never check your credit or employment history. Call now at (800) 385-3660 to see if you qualify in as little as 2 minutes.

How long does it take to get a head-on collision accident loan?

The timeline depends on when we receive your case documents from your attorney. Once your file is complete, we can make a funding decision in as little as 24 to 48 hours. If approved, you can receive your funds as soon as the same day. This is because our personal injury case managers work hand in hand with your attorney to get you your funding as quickly as possible.

We keep you informed daily about what step in the process we are on, so you feel confident that we are working hard for you. At Uplift Legal Funding, we know this lawsuit funding is extremely important, and we do everything in our power to make sure you get it as soon as possible.

Your first choice for head-on collision lawsuit funding

Because of the significant damages resulting from head-on crashes, it is more likely that funding companies will focus on liability and coverage when considering your case for a head-on collision lawsuit loan.

If you have any questions or would like to apply for a legal advance on your car accident lawsuit, please call us anytime at (800) 385-3660 or apply online, and a friendly staff member will reach out to you.