Florida Pre-Settlement Funding
Funds when you need them, on your pending Florida injury claim.
When an Florida lawsuit drags and expenses mount, pre-settlement funding carries you across the gap with cash against your expected recovery. Repayment comes only from a successful settlement or verdict.
Reviewed by Johnny Cavalli, Founder, ECO Pre-Settlement Funding · Last reviewed
✓ Repay $0 If You Lose
✓ $500 to $250,000+
✓ No Credit Check
✓ 24-48 Hr Funding
Apply For Pre-settlement Funding
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Injury Claims in Florida: What Plaintiffs Should Know
Crashes and injuries in Florida
Florida logged 3,396 traffic fatalities and about 16,000 serious injuries in 2023. The heaviest volume runs through Miami (Miami-Dade County) and Tampa (Hillsborough County). Numbers like these are why bridge funding exists for people who cannot wait.
Sources: official Florida crash data and NHTSA. See the citations at the foot of this page.
Which Florida courts hear these cases
Miami (Miami-Dade County) anchors Florida filings, followed by Tampa (Hillsborough County), Orlando (Orange County). The Circuit Court is where Florida personal injury cases are tried. Venue affects timing more than outcome, and timing is what leaves plaintiffs short on cash.
Florida fault and negligence rules in practice
Put simply, Florida runs a no-fault auto system, so your own PIP coverage pays the first medical bills no matter who caused the crash. You can step outside that system and sue the at-fault driver only once your injuries clear the state threshold, which makes early, thorough medical documentation important.
Florida applies modified comparative negligence with a 51% bar. Hit the 51% threshold and you recover nothing; below it your award is trimmed proportionally, which is why Florida liability facts drive case value. And because Florida’s filing deadline for most injury claims is 2 years (claims accruing on or after 24 Mar 2023; 4 years before), an approaching deadline is a common reason to line up counsel and funding early.
Florida filing deadlines
In Florida, the general injury deadline is 2 years (claims accruing on or after 24 Mar 2023; 4 years before). Medical malpractice runs 2 years from incident or discovery, 4-year repose (7 if fraud), and wrongful death is 2 years from death. Missing the Florida deadline usually ends the claim, so confirm the exact date with your lawyer. We can only advance against a case that is filed or still inside its window.
How your Florida advance is sized
Funding on a Florida car accident case scales with expected value, around 10 to 20 percent of the net, so a stronger claim supports a larger advance. Because Florida mandates no bodily-injury liability coverage, the at-fault policy is often small, and many claims settle at the policy limit. See how personal injury advances work for the mechanics. There is no cost to apply, and your Florida advance is repaid solely from a successful outcome.
ECO serves Florida plaintiffs statewide from our Fort Lauderdale office, and works with attorneys in every county.
Qualifying for Funding in Florida
Qualifying in Florida comes down to an active claim, an attorney on contingency, and a deadline (2 years (claims accruing on or after 24 Mar 2023; 4 years before)) that has not passed. We approve on case merit. See who qualifies for lawsuit loans.
Open Florida Case
An open personal injury claim filed in Florida’s Circuit Court. We fund plaintiffs across all 67 counties.
Florida Attorney on Contingency
An attorney licensed in Florida handling your case on a contingency fee. We coordinate the advance directly with your law firm.
Underwritable Case Facts
What matters is a solid Florida case, liability, damages and collectible coverage. Your credit history is never reviewed.
Florida Case Types We Fund
These are the Florida injury cases we advance on most often; each card links to details.
Auto Accidents
Car, truck, motorcycle and rideshare collisions across Miami (Miami-Dade County) and the rest of Florida.
Medical Malpractice
Botched procedures, missed diagnoses and hospital negligence in Miami (Miami-Dade County) and across Florida.
Premises & Slip and Fall
Falls and negligent security on unsafe Florida property. See premises liability.
Workplace & Construction
Florida worksite injuries with a third-party claim, alongside workers compensation.
Wrongful Death
Family claims when a Florida injury turns fatal.
Catastrophic Injury
The most serious Florida harm, from traumatic brain injury to severe burns.
Florida Pre-Settlement Funding Laws and Regulations
Here is how Florida law frames an injury claim. These are the rules we underwrite against; confirm the specifics for your case with your attorney.
Statute of Limitations for Personal Injury
- General negligence: 2 years (claims accruing on or after 24 Mar 2023; 4 years before) [1]
- Medical malpractice: 2 years from incident or discovery, 4-year repose (7 if fraud)
- Wrongful death: 2 years from death
Confirm the exact Florida deadline for your claim type with your attorney; claims against government bodies can run on far shorter notice periods.
Minimum Mandatory Auto Policy Limits
- Bodily Injury Liability: not required by statute [2]
- Property Damage Liability: $10,000
- Personal Injury Protection (PIP): $10,000 PIP
Florida is a no-fault state, so PIP pays first. Uninsured-motorist coverage is offered and can usually be added.
Negligence Rule
- Modified comparative (51% bar); pure comparative for medical negligence
- This rule decides how shared fault changes what you recover in Florida.
In Florida, this is why liability evidence drives the advance amount.
The Florida Funding Process Step by Step
From application to deposit, most Florida files run 24 to 48 hours. Read how it works.
1
Submit Your Case
Start the Florida form above or call (800) 961-8924; a few minutes is all it takes.
2
Case Review
We confirm the Florida case file with your attorney and review it, usually within a business day.
3
Get Funds
After you sign, the advance is sent by ACH or wire, usually inside 48 hours.
Common Questions From Florida Plaintiffs
Does Florida’s PIP or injury threshold affect whether I can get funding?
It affects timing, not eligibility. In Florida, PIP pays your first medical costs, and your claim against the at-fault driver opens once your injuries meet the state threshold. As soon as that liability claim is active and your attorney can value it, we can review your Florida case for an advance.
What happens to my advance if I’m 30% at fault in Florida?
At 30 percent you are under Florida’s 51-percent bar, so you still recover, with your award cut by 30 percent. We build that reduction into the advance, which is why an early, realistic fault estimate from your Florida attorney helps us offer the right amount.
How much can I get on a Florida car accident case?
Advances usually run 10 to 20 percent of your expected recovery, from $500 to $250,000+. Because Florida does not mandate bodily-injury liability coverage, the at-fault driver’s policy can be small, so policy-limits cases are common and we base the offer on the recovery your attorney realistically projects.
Do I have to live in Florida to qualify?
Residency is not the test; venue is. A case filed in Florida, say in Miami (Miami-Dade County), can be funded even if you now live elsewhere, as long as your Florida attorney is handling it.
Resources
- General injury statute of limitations (2 years) – official Florida statute (leg.state.fl.us).
- Florida auto insurance minimums – Florida insurance authority (flhsmv.gov).
- Serious injuries, traffic fatalities (2023): FHWA State Highway Safety Report – source.