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The Dangers of Settling Too Soon in An Auto Accident Claim

You recently got injured in a car accident. Now, you have lots of medical bills to pay for your treatment as well as damage to your car that you’re going to have to cover. Instead of paying for everything out of pocket, you want to seek a settlement from the other driver’s insurance company.

However, you don’t want to settle too soon. Here are some reasons why.

You Won’t Get the Settlement You Deserve

While it’s a good idea to try to get a settlement from the responsible party, you should keep in mind that their insurance company is going to offer you the lowest settlement possible. Their first offer is going to be low.

They figure that perhaps you’re worried and anxious and you’ll take whatever they provide you. Or maybe they think you are inexperienced and don’t know any better. If you settle immediately, then you won’t be able to negotiate for a higher settlement later on, even if you find out that you have to cover more costs than you bargained for.

Note: You should never settle with a driver, either. They may offer you cash to keep the insurance companies out of it. But if you accept this, you’ll definitely get less than you deserve.  

Your Injuries Could Get Worse

Let’s say you suffered from whiplash or back pain as a result of your accident. You think: this isn’t so bad. I’ll just take whatever settlement the insurance company offers me because my injuries will heal on their own.

But if you do that, you’re taking a big risk, because your injuries could get worse over time. They may seem to “go away,” but then suddenly flare up down the line. And then, you’ll be stuck with those medical bills if you aren’t actively involved in a lawsuit. You know, of course, how expensive medical treatment can be.

Instead of taking that first settlement offer, it’s a good idea to get treatment for your injuries for as long as you need. When you feel better, your lawyer can pursue a proper settlement to pay for your medical bills and associated costs.

You May Not Factor in Other Damages

You know that you could get a settlement for your medical bills and the damage to your car. But did you know that you could also receive money for damages like pain and suffering, loss of wages, and loss of enjoyment of life?

For instance, if you have to take off work to go to doctors’ appointments, you’d lose money from your job. That could be factored into your settlement. Or, if you can no longer partake in your favorite hobbies, that could be considered a loss of enjoyment of life, and you could get money to cover that as well. If you settle too early, you won’t be able to include these kinds of damages.

What If I Can’t Afford Medical Treatment?

You may want to settle because you can’t afford medical treatment. If this is the case, you could receive care through your personal injury attorney’s network of providers. They will use a medical lien to cover the cost of your care, and then when you receive a settlement, your lawyer will pay your providers back first before giving you your share. You could also choose to go through your own insurance and then reimburse yourself when your case settles.

What If You Can’t Afford a Personal Injury Lawyer?

If you’ve never been involved in a personal injury case, you may not know how payment to your lawyer works. Personal injury lawyers work on a contingency basis, which means that you won’t pay them anything unless you win. In your first meeting with your lawyer – which is typically a free consultation – you will learn about the terms and conditions involved with retaining legal representation with their firm. This way, there are no surprises later on and you won’t have to pay anything upfront.

Increasing Your Chances of Getting a Settlement

Make sure that when you meet with your personal injury lawyer, you bring all proof you have that the accident wasn’t your fault, including photographs of the scene, witness statements, and a police record. Also, hand over your medical records or let them know where you received treatment so they can collect them.

Stay on top of your care by going to your appointments, getting recommended tests done, and taking prescriptions, if necessary. This will show the insurance company that your injuries are serious.

If you have questions at any point during the process, reach out to your personal injury lawyer for help. And if you aren’t happy with the settlement you’re set to receive, you can always ask your personal injury lawyer how they came to that amount or if it’s possible to renegotiate for a higher amount.

Receiving Pre-Settlement Funding While Waiting for a Fair Settlement

For many car accident victims, the idea of waiting several months or longer to get their settlement money seems untenable to say the least. With the bills piling up and the inability to go back to work for a while, they just can’t afford to wait – they need their money now. This is exactly why lawsuit funding was created.

Lawsuit loans, also known as pre-settlement loans or pre-settlement funding, are upfront cash advances that are secured by the borrower’s eventual settlement. Lawsuit advances are non-recourse, which means that you only have to pay it back if you recover compensation from your lawsuit. If you lose your case, you owe nothing.

During auto accident cases, it always seems that the insurance companies have the upper hand. Their adjusters are professionals who handle claims week in and week out, and they know that injury victims are most often motivated to get their settlement money quickly. This is why they typically give an insultingly low offer in the beginning; because they are hoping that you will take the fast money and be done with your case.

With a car accident loan, you can turn the tables on the insurance company. By receiving a portion of your settlement upfront, you will have the money you need to cover your immediate expenses while your attorney builds a strong case on your behalf and negotiates the best possible settlement with the insurer.

If for some reason the insurance carrier is not willing to negotiate in good faith, you will be a lot less concerned about the protracted timeframe involved with going to trial. Juries can be unpredictable, but oftentimes, they rule heavily in the favor of injured parties and award large amounts in damages. A pre-settlement loan will make it a lot more feasible for you to take the time to go through litigation if that’s the direction your case goes.

Get the Best Deal on a Pre-settlement Loan through Direct Legal Funding

If you are interested in a car accident lawsuit loan, Direct Legal Funding is here to help! We provide lawsuit cash advances at the most competitive interest rates in the industry, and your funds can be in your bank account within 24 hours after approval.

There are no credit checks and there is no collateral required to obtain pre-settlement funding. You just need to be working with an attorney, and our underwriters will need to have a short conversation with your attorney to verify some information about your case.

To learn more about car accident loans and/or to start your application, call us today at (866) 941-5588 or apply online. We look forward to serving you!

Car Accidents in Gary, Indiana

If you have ever been in a car accident in Gary, Indiana, you may need the help of a reliable lawsuit loan to get you through the tough times until a verdict or settlement is reached. The majority of people who get seriously injured in car crashes are not able to work for a long time following it. However, that doesn’t mean they stop needing money to pay their bills.

While you are waiting to get a settlement offer or jury award on your case, and money is tight, you can apply for a lawsuit loan. It won’t only help finance your personal expenses but could also result in you not having to settle your case for far less than what you rightfully deserve. 

A lawsuit loan or a lawsuit cash advance in Gary, Indiana, allows you to take an advance on the potential monetary compensation of your case. In relation to this, in order to get the most out of this advance, it’s important to choose the right provider.

The Steps to Obtain Settlement Funding in Gary, Indiana

Even though it’s referred to as a “loan”, applying for a lawsuit cash advance is nothing like applying for a car loan or home loan. For starters, the loan providers don’t need to check your current financial state or credit rating to evaluate your eligibility. Secondly, the process is a very short one; once you fill out the application, it only takes 2-3 days for you to get the money (if your application is approved).

Here’s how it goes:

Step 1: You can fill out the application online or the loan provider company takes your application over the phone.

Step 2: The provider asks you if your attorney is authorized to talk with them, then they contact your attorney to get the information pertaining to your case.

Step 3: Once they review your case, they will call you back to let you know whether you’re eligible to get the loan.

Step 4: If approved, they will send you the money between 24-48 hours via an overnight check, Western Union, or a wire transfer.

State Law Regarding Pre-Settlement Loans in Gary, IN

Indiana has a “comparative fault” rule for personal injury cases, which means that when the plaintiff (injured person) is found to be partially responsible for the accident, the damages they can claim could be reduced. For example, let’s say you were driving a couple of miles per hour over the speed limit, and another driver makes a sudden turn and crashes into you. If it’s determined that the crash was 25% your fault, the other driver bears 75% of the responsibility. 

According to Indiana’s law, your damages compensation will be reduced by 25%. Stemming from this, if your total damages in the above instance were $20,000, you’d be able to collect $15,000 (i.e., 75% of the total).

As long as your responsibility for the accident is below 50%, Indiana laws state you will be able to receive compensation for your injuries.

Previous Personal Injury Cases in Indiana

Car and truck collisions are, unfortunately, a common occurrence throughout Indiana. In one case, a 20-year-old woman suffered debilitating injuries after being hit by a semi-trailer truck on I-65. The jury found that the truck only hit the woman’s car because it spun out of control on an icy road and was blocking the truck’s lane of traffic. After determining her fault to be 50% in the case, the jury awarded her $5 million in damages.

Statistics on Car Accidents in Indiana

In recent years, more than 100 fatalities have occurred each year in thousands of accidents in Indiana. About 2,681 collisions occurred in 2019 alone in which 101 people lost their lives. The pandemic did lower these numbers to a degree; crashes involving injuries and fatalities have declined about 7% annually since 2014. Still, Indiana has a long way to go in traffic and road safety.

Average Time It Takes to Get a Lawsuit Loan in Gary, Indiana

The majority of applications for lawsuit advances are approved or rejected within 48 hours of submitting the application. If approved, you can have the money in your bank account within 1-2 days. Of course, the duration of this process also depends on your lending provider. At Direct Legal Funding, we pride ourselves on having the fastest loan approval process in Indiana to provide financial assistance to those who need it the most.

Factors That Can Expedite or Delay the Loan Approval Process

You can make sure your application goes through the motions smoothly by letting your attorney know about your plans.

Before you contact the lender, talk to your lawyer and let them know that you’re going to be applying for a loan. The most critical part of the application approval process is the lending provider talking to your lawyer to obtain the case details. And lawyers are busy people – if your lawyer doesn’t have your entire case information ready at hand, this step can take several days. 

If you have not hired an attorney yet because you’re thinking of filing your personal injury claim on your own, please know that you can’t apply for a lawsuit loan in Gary, Indiana, without having a lawyer. To fast-track your application, please retain one before applying.

Major Intersections and Roads in Gary, IN where Accidents Occur

If you’ve lived in Indiana for a while, you know that the roads here are some of the most dangerous in the nation. The city of Gary is no exception. As a driver in this part of the country, you must practice defensive driving and be attentive at all times, especially when you are driving on the following roads:

  • Interstate 65
  • Interstate 70 
  • Interstate 80/94 (Borman Expressway)
  • Interstate 90
  • Highway 60 (infamously referred to as “Death Row”)

Leading Hospitals and Medical Centers in Gary, IN

For most injuries resulting from a vehicle collision, you should get an imaging exam to determine the severity and extent of your injuries. There are some great healthcare providers in Gary that offer round-the-clock medical care for minor and major accident injuries, including:

  • Methodist Hospitals (Midlake Campus and Northlake Campus)
  • Methodist Physician Group
  • St. Catherine Hospital
  • St. Mary Medical center
  • Franciscan Health Munster
  • Pinnacle Hospital

The Average Cost of Healthcare in Gary, IN

Insurance premiums and out-of-pocket health care costs in Gary are lower compared to the average nationwide as well as in other cities in Indiana. If you are a single adult, you can expect to pay around $3,558 per year for healthcare, compared to $3,830 across Indiana and $4,260 across the country.

Let Direct Legal Funding Help You Get Back Up On Your Feet Again

Our pre-settlement advances can help cover your medical bills and provide for your family until your personal injury case reaches a resolution. We don’t need to check your credit rating or your employment status to approve your application.

You might be asking “what’s the catch?” There is none! We provide this legal funding against a pre-determined percentage of the settlement you’ll receive in the future. If you lose the case and don’t receive any compensation, you won’t have to worry about paying us back. The loss will be ours alone to bear.

To apply for no-collateral, no-risk, quick-approval lawsuit funding in Indiana, fill out this form online. If you have any questions, you can call the dedicated team at Direct Legal Funding at 866-941-5588 or contact us online.

Car Accidents in Baton Rouge, LA

Approximately 6 million vehicle collisions occur every year in the United States, according to the National Highway Traffic Safety Administration. That comes down to over 11 accidents every minute and almost 16,500 every day. These accidents result in 2.35 million injuries and 37,000 deaths. Considering these statistics, it wouldn’t be a stretch to say that we all know someone who has been in a car crash.

If you are in a similar situation right now, i.e., injured due to someone else’s reckless actions on the road, and waiting for a settlement, a no-risk lawsuit advance from Direct Legal Funding might be able to help.

Since car accident injury settlements can extend over several weeks, pre-settlement funding can help you get through financially tough times with ease.

How to Obtain Lawsuit Funding in Baton Rouge, Louisiana

In the state of Louisiana, getting a pre-settlement loan is really easy. All you need to do is fill out the short online form or contact the lending company over the phone to start the process. They only need some basic information like yours and your attorney’s contact information to get started on your car accident loan.

Then the intake specialist will call you to chat about your claim. Next, they will call your attorney to request your case files – this step is crucial in helping the lender determine whether you should be approved for the lawsuit advance. The clearer your case is and the more chances you have of winning your case, the better your chances of securing pre-settlement funding.

If the lending provider figures out you have a decent chance of getting a settlement offer (or jury award if the case goes to court), they will approve your application and provide you with the lawsuit settlement loan you requested. They will send over a contract that will need to be signed by you and your attorney, and then deposit the cash in your bank account or send you an overnight check within 24 hours.

State Law Regarding Pre-Settlement Loans in Louisiana 

There are some unique elements regarding personal injury law and lawsuit funding in each state; the same is true for Louisiana.

Louisiana is a “comparative fault” state, which means anyone who sustains injury in an accident has their damages lowered by the percentage of “fault” (responsibility) they were found to have in the accident.

For example, if a negligent driver runs a red light and hits your car but you were also driving a bit over the speed limit, the court may decide that the crash was 10% your fault. So, if the damages are $30,000 in your case, you’d receive $27,000 (90% of $30,000).

You also need to have an attorney if you want to apply for a car accident loan in Louisiana. While you are legally entitled to file your own auto accident lawsuit, you can’t represent yourself if you want to obtain a lawsuit advance.

Previous Personal Injury Cases in Baton Rouge, LA

Car accidents can happen at any time, anywhere, no matter where you are. However, they have become alarmingly common on highways and interstates in Louisiana. Just last year, a Baton Rouge resident was riding in the backseat when the vehicle was violently hit in the rear by an 18-wheeler. His vertebra was severely fractured in five places, making him unable to lead a normal life in the future. He was awarded $2.12 million in damages.

Statistics on Car Accidents and Injuries in Baton Rouge, LA

Did you know that car insurance rates in Baton Rouge are about 47% higher compared to other areas in Louisiana because of the high number of vehicle collisions? East Baton Rouge is actually leading all parishes in the state in terms of fatal crashes. In 2021, a total of 247 people lost their lives in road accidents in East Baton Rouge alone.

The Orleans Parish used to have more traffic casualties, but ever since the coronavirus pandemic began, more people have died on roads in Baton Rouge than in any other city in Louisiana.

Average Time It Takes to Get a Lawsuit Settlement Loan in Baton Rouge, LA

As explained earlier, getting a lawsuit advance against your future settlement is an easy process, and most of that is handled by your attorney and the loan provider. Here at Direct Legal Funding, most of our applicants are approved within 48 hours of attorney verification. After the approval, you will usually get the car accident loan within 24 hours.

How to Expedite Your Pre-Settlement Loan Approval Process

Is there something you can do to make sure we process your application faster? Absolutely!

Look, at the end of the day, you can get lawsuit funding if you have a good lawsuit. To build a rock-solid case, you need to have a good lawyer on your side.

Choosing an experienced car accident lawyer can help you gain an increased amount of settlement. So, when we see that you’re working with a good lawyer, it gives us more confidence in your ability to win the claim.

Once you’ve got that covered, make sure your lawyer is expecting our call. They should have your case details on hand so the call goes smoothly, otherwise, it can take a few days to coordinate as lawyers are busy people.

One more thing: it goes without saying but make sure the other party (or parties) responsible for your injury have an insurance policy or other available assets for a settlement. If they don’t, might not qualify for the car accident loan. 

The Most Dangerous Roads in Baton Rouge for Drivers and Bicyclists

If you’ve lived here for a while, you have probably become used to the city’s busy traffic. Baton Rouge also happens to be the second deadliest city for drivers in the US, ranking behind Detroit. Research shows that the majority of accidents occur on the following roads:

  • Staring Lane from Highland Road to Perkins Road
  • Nicholson Drive
  • O’Neal Lane from Harrell’s Ferry Road & I-12
  • Burbank Drive from Lee Drive to Bluebonnet Drive
  • Highland Road from Perkins Road to Airline Highway

Leading Hospitals and Health Clinics in Baton Rouge for Car Accident Injuries

If you have been in any sort of vehicle crash, you should get checked out by a medical professional right away even though you don’t think you suffered any serious injuries. In many cases, accident injuries can be internal, which can only be diagnosed by a physician and advanced imaging tests.

You can visit any of the following centers in Baton Rouge to get a thorough physical examination and receive the right medical care:

  • Baton Rouge General – Bluebonnet
  • Baton Rouge General – Mid City
  • Our Lady of the Lake Regional Medical Center
  • Ochsner Medical Center
  • Promise Hospital of Baton Rouge
  • St Brendan Specialty Hospital
  • Sage Specialty Hospital
  • The Spine Hospital of Louisiana at the NeuroMedical Center

The Average Cost of Healthcare in Louisiana

The most affordable health insurance plan (Silver Plan) in Louisiana that covers dental and vision care for a single individual cost $669 per month, which is more than $8,000 per year. Healthcare is pretty expensive in the state compared to most other parts of the country and it’s not getting cheaper. Of course, this cost can get even higher when you need more complicated surgical care or rehabilitative care on an ongoing basis after being injured in an accident.  

Don’t Let the Insurance Company Bully You: Get a No-Risk Lawsuit Advance Within 24 Hours

If you are involved in a car accident injury lawsuit, and you’re struggling with paying rent or putting food on the table, fill out our application within a few minutes and you should receive your pre-settlement funding within a couple of days. A Direct Legal Funding lawsuit funding specialist will get back to you as soon as possible for a quick chat. 

Remember, the process is easy – we never check an applicant’s financial history, employment history, or credit score to determine their eligibility. All we need to give you the money is having retained an attorney and a good case. Call us at 866-941-5588 or send us a message online if you have any questions about how to obtain a pre-settlement loan.

Lawsuit Loans for Car Accidents in El Paso, Texas

Getting involved in a car accident in El Paso, TX can be a traumatic experience. The resultant pain and suffering, medical expenses, and loss of income can worsen the situation. You might need pre-settlement financial help to cover the mounting medical costs and general household expenses when you are injured and away from work. El Paso car accidents can inflict serious physical and emotional damage, and you may need a cash advance on your car accident case in this time of crisis.

What is a lawsuit loan for car accidents in El Paso, Texas?

A personal injury lawsuit loan in El Paso, TX is available to those involved in an auto collision occurring due to another party’s negligence. A pre-settlement litigation loan isn’t really a loan in the technical sense, but a cash advance that will be based on your estimated future settlement value.

Car collisions can be seriously damaging and expensive. The settlement can take years. The longer the prospect of receiving a settlement, the more you might be tempted to accept a lower settlement offer from the at-fault party. In this situation, a car accident lawsuit loan in El Paso, TX gives you the financial support you need to cover your costs while you pursue your maximum rightful settlement.

Statistics related to car accidents in El Paso

In 2020, there were 12,483 car crashes in El Paso alone. As many as 135 people sustained serious injuries, while 55 people were killed in these car accidents. A large number of El Paso crashes were triggered by speeding drivers, or drivers not attentive to the road while driving. Drunk driving also played a role in several of these accidents.

Dangerous intersections located in El Paso

Traffic in El Paso is always too busy, and there is a significant risk of accidents. The far eastern part of El Paso has the highest number of car wrecks. The area around Joe Battle is especially dangerous. The three most dangerous intersections in El Paso, TX area:

  • Montwood and Joe Battle
  • N. Zaragoza and Joe Battle
  • Edgemere and Joe Battle

The Montwood and Joe Battle intersection was cited as the most dangerous intersection across all of Texas. This was based on a study conducted by a law firm in Houston after analyzing four years of car collision data obtained from TxDOT.

Leading medical centers and hospitals in El Paso, Texas

  • Medical center at Las Palmas
  • Cobalt Rehabilitation Hospital, El Paso
  • The LTAC Hospital, El Paso
  • Foundation Surgical Hospital, El Paso
  • Highlands Rehabilitation Hospital
  • Providence East Campus & Tenet Healthcare Hospitals

Key reasons for car accidents in El Paso, Texas

Distracted driving

The number one reason for car accidents in El Paso is distracted driving. Distracted drivers do not have their full attention present on the road. They could be focused on their cell phone, a co-passenger, or even a message on a billboard. Remember, if you are driving, your main job is to ensure that you reach your destination safely. Distracted drivers have usually been driving long distances and believe they can multitask. Never allow yourself to believe this mindset.


Many drivers rush past us on highways, even at higher speeds than us. People often drive 15, 10, or even 20 miles over the posted speed limit. The faster the speed, the lesser will be the time to react. If you happen to be driving 20 miles over the speed limit, preventing a car accident would be quite difficult.

Drunk driving

Persons who drink and drive represent a danger not just to themselves but also to others around them. Cognitive functions and senses are dulled when you drink. Reaction times get slower, and your decision-making abilities get compromised. Make sure to find someone sober to take you home if you are drunk.

Reckless driving

Examples of reckless driving include cutting other drivers off, tailgating, and weaving in and out of traffic. All of these can cause severe car accidents. If you see someone driving this way, keep a distance and be careful when you drive. You cannot make a reckless driver drive safely. So, it is best to protect and keep yourself safe. Based on this, you should report the driver.

Bad weather

Bad weather such as snowstorms or heavy rain can create dangerous situations for driving. Water can create slippery roadways, and your car could slide without any warning. If you are in a rainstorm, be sure to drive more carefully. You can have a misconception that your car tires are adhering properly to the ground, but on a slippery road, there is no telling. Be sure to drive more slowly. With cold weather and snow, the road could form ice on it, and this could cause the car to slide if you need to apply the brakes suddenly.

Running intersections

Running through stop signs and red lights can be a major reason for car accidents. Red lights indicate the driver has to stop. Yellow light means you need to slow down, and not immediately speed up waiting for the light to turn green. Many people get tempted to run stop signs in the vicinity of their homes, but you don’t have to do this. You can wait 10 seconds more if it means saving your life.

Improper turns

Make sure to be in the proper car lane, according to your destination of travel. If you are in the straight lane and want to take a turn, be sure to keep driving straight. You can turn around the block later, in a parking lot or someone else’s driveway. That is much safer compared to cutting lanes.

Get your lawsuit cash advance from Direct Legal Funding until your El Paso, TX car accident settlement comes through

Car accidents can be a harrowing experience. Settlement durations can vary from months to even years. You don’t have to keep waiting without money until you receive your rightful settlement. At Direct Legal Funding, we try to provide you with El Paso, car accident settlement loans in as little as 24 hours, with no credit checks needed. No need to wait. Just fill out our online application form or call us at 866-941-5588 for pre-settlement funding assistance.