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Why Legal Funding Companies Fund Insurance Claims

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    The Role of Legal Funding Companies in Insurance Claims

    Legal funding companies provide a valuable service to individuals who are trapped in lengthy insurance claim disputes. Often, claimants face financial hardship while they wait for their claims to resolve. This can take months or even years.

    Legal funding companies step in and offer claimants immediate financial relief by advancing them a portion of their anticipated settlement amount. This money can be used to cover day-to-day living expenses, medical bills, or any other urgent financial needs.

    This type of funding is non-recourse, meaning if claimants don’t win their case, they don’t owe anything back to the funding company. By investing in insurance claims, legal funding companies offer a safety net for individuals in distressing financial situations due to unresolved insurance claims.

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    Insurance Coverage and Legal Funding

    For insurance legal funding, policy limits are a maximum for your case value. Often, as in the case with auto insurance, limits are expressed as two numbers. The first is a per person maximum, the second is a per-incident maximum.

    For example, if you’re hit by a car with a $50k / $100k policy, and three passengers, all four injured parties are paid out of the $100k, with a $50k limit on the payout to any single party.

    For most other general personal injury case types, insurance has a single limit (say, $1 million).

    Sometimes, the policy includes umbrella coverage. Umbrella insurance coverage only kicks in once you exhaust the policy. Put simply, if you have more than $1 million of damages, and the policy is $1 million with an umbrella of another $1 million, the maximum case value may be as much as $2 million.

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    Assessing Insurance Coverage

    Sometimes, policy limits are clear from the outset of a case. However, in some cases, you may have to wait until discovery, after filing your case.

    Unfortunately, if your case is not against a commercial policyholder, this might make it tough to get funding early on if you have serious injuries.

    Thankfully, there is minimum coverage in most states. This means that if you know a party has insurance, you can often assume a baseline for coverage.

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    Legal Funding Companies Avoid Cases Directly Against People or Small Businesses

    Even if you have a strong case against the person or business, or if a judgment is in your favor, collection can be an issue.

    Firstly, the defendant may not have the assets to pay you. Secondly, they may decide not to pay for various reasons, or file an appeal.

    In any case, funding companies like predictable cases with likely payback.

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    Uplift Legal Funding

    Uplift Legal Funding helps plaintiffs nationwide fight back against insurance companies with insurance legal funding. If you or a loved one is in need of funding, apply online or give us a call at (800) 385-3660.

    To learn more about the funding process, visit our how legal funding works page.

    Our Satisfied Customers

    Jeremy H testimonial avatar

    Jeremy H

    5 Star Customer Review

    While waiting on my settlement I found myself in a bind. A quick Google search and a couple minutes later I was on the phone with Holly from Uplift. Two days later I had the funds I needed. I’m so glad I chose Uplift for my funding needs.

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    Emily S

    5 Star Customer Review

    I was going through a really tough financial situation. I contacted Uplift Legal Funding and they were so quick to help me. Within hours of asking for help, they deposited the money directly to my account. It means a lot when someone understands what you are going through and helps you right away.

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    Brianna M

    5 Star Customer Review

    I couldn’t recommend Uplift Legal Funding more! Holly and Jared made the process so easy and pain free! All I had to do was email them and they were on it. I can go on and on about how much I recommend them! Thanks again Holly, Jared, and the whole Uplift Legal Funding team!

    These testimonials are from real, satisfied customers that we reached out to after they left positive reviews of Uplift Legal Funding online. They were compensated for the use of their name, likeness, and the honest reviews of our services that you see above.

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