Iowa Pre-Settlement Funding

Don’t let an Iowa insurer outwait your bank account.

Insurance carriers writing Iowa policies headquarter in Des Moines, Cedar Rapids, or out of state. Either way, claims adjusters know how to slow-walk negotiations. Months turn into a year, the year turns into eighteen months, and the plaintiff’s bills keep coming due. Iowa pre-settlement funding ends that pressure by advancing cash against your active personal injury claim. Repayment only happens if you win or settle. Lose at trial and the advance disappears. A lawsuit advance gives Iowa plaintiffs the patience that insurance carriers count on you not having.

✓ Repay $0 If You Lose

✓ $500 to $250,000+

✓ No Credit Check

Apply For Pre-settlement Funding

What Iowa Funding Requires

Iowa funding decisions hinge on three baseline pieces. Each one has to check before our underwriting team can move on a file. The personal injury case must be active in Iowa, your attorney must be running it on a contingency basis, and the filing must still be inside the two-year statute under Iowa Code § 614.1(2).

Pending Iowa Case

A personal injury claim filed and active in Iowa District Court or one of the two federal districts. Our funding covers plaintiffs in all 99 Iowa counties, from Polk and Linn through Sioux and Pottawattamie.

Contingency Iowa Attorney

Your attorney has to be licensed by the Iowa State Bar Association and working the case on contingency. The lawsuit advance documentation moves between us and your law firm. The applicant rarely touches the paperwork.

Real Case Foundation

Clear liability, documented damages, and a defendant with insurance or assets to back a recovery. Those three pieces drive approval. Income, credit, and employment status play no role.

Iowa Personal Injury Claim Categories

Six categories capture nearly all of Iowa’s personal injury filings. Each one goes through the same underwriting framework, with case-specific tweaks based on the facts.

Auto Accidents

Highway 30 and I-80 crashes, semi-truck wrecks at agricultural shipping hubs, rural two-lane collisions, and Des Moines metro auto cases.

Medical Malpractice

Misdiagnosis claims, surgical errors at University of Iowa Hospitals and other major systems, anesthesia injuries, and skilled nursing complaints.

Premises & Slip and Fall

Winter slip and fall claims on commercial properties, security failures at apartment complexes, and dog bite cases under Iowa’s strict liability statute.

Workplace & Agricultural

Agricultural injury claims, meatpacking and food processing accidents, wind energy worksite injuries, and third-party claims outside Iowa workers’ compensation.

Wrongful Death

Estate-led actions under Iowa Code § 633.336 following a fatal accident caused by another party’s negligence.

Mass Tort & Product Liability

MDL filings for defective pharmaceuticals and medical devices, plus environmental contamination cases tied to Iowa agricultural operations.

Get Iowa lawsuit funding rolling before the month ends

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Or call us toll-free at (800) 961-8924.

Iowa Pre-Settlement Funding Laws and Regulations

Iowa tort law gives plaintiffs reasonable room to recover, with one major rule change from 2017 affecting medical malpractice cases. Modified comparative negligence at the 51 percent bar applies, so plaintiffs can recover even with significant fault. Medical malpractice noneconomic damages are capped, though catastrophic injury cases face a higher hard cap. Each Iowa lawsuit funding decision reflects these rules, so verify the specifics with your attorney before relying on the numbers below.

Statute of Limitations for Personal Injury

General negligence: 2 years from the date of injury under Iowa Code § 614.1(2) ^[1]
Medical malpractice: 2 years from discovery, 6-year statute of repose under Iowa Code § 614.1(9)
Wrongful death: 2 years from the date of death
Product liability: 2 years from injury with a 15-year statute of repose

Iowa applies the discovery rule for medical malpractice claims, but the 6-year repose cap cuts off claims regardless. Product liability claims face a 15-year repose period. Municipal tort claims need notice within 6 months under Iowa Code § 670.5, while state-level claims under the Iowa Tort Claims Act run on a 2-year window.

Minimum Mandatory Auto Policy Limits

Bodily Injury Liability (BI): $20,000 per person / $40,000 per accident ^[2]
Property Damage Liability (PD): $15,000
Personal Injury Protection (PIP): not required

Iowa is a fault-based tort state. Uninsured motorist coverage must be offered by carriers but can be rejected in writing. Roughly 11 percent of Iowa drivers carry no insurance, below the national average. Rural highway crashes involving farm equipment, animals, or single-vehicle losses produce a heavy share of Iowa injury files.

Comparative Negligence Rule

Modified comparative negligence with a 51 percent bar under Iowa Code § 668.3
If 51 percent or more at fault, recovery is barred entirely
If 50 percent or less at fault, the damages award is reduced by your share

Iowa Funding Path

From application to deposit, the typical Iowa file moves through funding inside 24 to 48 hours.

Drop the Form

Drop case basics into the form at the top of this page, or call (800) 961-8924 to start by phone. The Iowa application takes most plaintiffs under five minutes.

Case Underwriting

Our team contacts your Iowa attorney to gather case documents. The file goes through underwriting on liability, damages, and coverage. Funding offers usually come back within one business day.

Wire Hits

You and your attorney sign the funding agreement, then funds wire out by ACH. Most Iowa plaintiffs see the deposit hit within 24 hours of execution.

Iowa Applicant Common Questions

How does Iowa’s medical malpractice cap affect funding?

Iowa’s 2017 tort reform set noneconomic damages caps for medical malpractice cases, with a hard cap applying for substantial injuries. Economic damages like medical bills and lost wages stay uncapped. The cap affects underwriting math on med mal files since pain and suffering can drive a major portion of case value. Non-malpractice cases aren’t affected by the cap.

Are agricultural injury cases harder to fund?

No. Farm equipment cases, livestock-related injuries, and grain bin accidents all fund under the same criteria as any other Iowa personal injury case. The case value matters more than the industry. Agricultural cases sometimes have lower defendant coverage on file, which we factor in during underwriting.

What advance can I get on an Iowa case?

Advances range from $500 to over $250,000. Most Iowa plaintiffs qualify for 10 to 20 percent of their projected gross settlement. The actual offer depends on liability picture, case value, and available defendant coverage.

What if my Iowa case ends in a defense verdict?

You walk away with no obligation. Non-recourse funding means repayment depends on a recovery. If the jury rules for the defense or the case gets dismissed, the funding obligation disappears. The money already paid out stays in your bank account.

Get your Iowa lawsuit loan request reviewed today