Louisiana Pre-Settlement Funding

Louisiana’s one-year filing clock won’t pause for your bills.

Louisiana is the only state in the country that runs on civil law instead of common law, which affects how personal injury cases are filed and what deadlines apply. The state calls its filing deadline “prescription,” and it runs out at one year for most injury claims. That short window puts plaintiffs in a tough spot when carriers stall. Louisiana pre-settlement funding takes the immediate financial pressure off by advancing cash against your active claim. The advance is non-recourse, repaid only if you win or settle. A defense verdict ends the obligation outright. A lawsuit advance lets Louisiana plaintiffs hold out for case value instead of folding early.

✓ Repay $0 If You Lose

✓ $500 to $250,000+

✓ No Credit Check

Apply For Pre-settlement Funding

Louisiana Plaintiff Funding Standards

Three pieces have to be in place before our underwriting team will move on a Louisiana funding application. Your case must be a personal injury action currently filed in Louisiana, your attorney has to be running it under a contingency arrangement, and your filing must still be inside Louisiana’s one-year prescription period under La. Civ. Code art. 3492. Anything missing parks the file.

Filed Louisiana Action

A personal injury case actively filed in Louisiana District Court or one of the three federal districts within the state. Our funding works across all 64 Louisiana parishes, from Orleans and East Baton Rouge through Caddo and Calcasieu.

Bar-Member Counsel

Your attorney must be a member of the Louisiana State Bar and working the case on contingency. The lawsuit advance moves through your law firm. The applicant typically doesn’t see paperwork beyond signing the funding agreement.

Approvable Liability Profile

Documented liability, real damages, and a defendant with insurance or assets to back the recovery. Those are the underwriting pieces that matter. Credit history, income, and job status don’t enter the decision.

Louisiana Case Categories We Fund

Six categories cover most Louisiana personal injury filings. Each one runs through the same underwriting process with case-specific adjustments based on the facts.

Auto Accidents

I-10 and I-12 collisions, New Orleans urban crashes, semi-truck wrecks at Port of South Louisiana freight hubs, and rural highway accidents across Acadiana.

Medical Malpractice

Surgical errors, anesthesia mistakes, misdiagnosis claims, and elder care complaints at long-term care facilities.

Premises & Slip and Fall

Slip and fall claims at retail and casino properties, security failures at apartment complexes, and incidents at New Orleans tourist venues.

Workplace & Maritime

Offshore platform injuries under the Jones Act and Outer Continental Shelf Lands Act, petrochemical refinery accidents, port worker injuries, and other third-party claims outside Louisiana workers’ compensation.

Wrongful Death

Survivor actions under La. Civ. Code art. 2315.2 following a fatal injury caused by another party’s fault.

Box Truck & Delivery Van Accidents

Cash advances for urban motor vehicle accidents involving local courier services, box trucks, and last-mile delivery vehicles in New Orleans and Baton Rouge.

Get Louisiana lawsuit funding moving before prescription expires

Get Started

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

Louisiana Pre-Settlement Funding Laws and Regulations

Louisiana stands out from every other U.S. state by running on civil law inherited from the Napoleonic Code, not the common law system used elsewhere. The state uses “prescription” instead of “statute of limitations” and applies a short one-year filing window for most personal injury claims. Pure comparative fault applies under La. Civ. Code art. 2323. Each Louisiana lawsuit funding decision works within these rules, so confirm specifics with your attorney before relying on the figures below.

Prescription Period for Personal Injury

General negligence: 1 year from the date of injury under La. Civ. Code art. 3492 ^[1]
Medical malpractice: 1 year from discovery, 3-year statute of repose under La. Rev. Stat. § 9:5628
Wrongful death: 1 year from the date of death under La. Civ. Code art. 2315.2
Product liability: 1 year from injury

Louisiana refers to filing deadlines as “prescription” rather than statute of limitations under civil law tradition. The one-year window for personal injury is one of the shortest in the country. Medical malpractice cases face an absolute three-year repose limit on top of the one-year discovery rule. Government tort claims have separate notice requirements depending on whether the defendant is a state agency or local political subdivision.

Minimum Mandatory Auto Policy Limits

Bodily Injury Liability (BI): $15,000 per person / $30,000 per accident ^[2]
Property Damage Liability (PD): $25,000
Personal Injury Protection (PIP): not required

Louisiana’s bodily injury minimums are among the lowest in the country. The state operates as a fault-based tort jurisdiction, not no-fault. Uninsured motorist coverage has to be offered by carriers but can be rejected in writing. Around 12 percent of Louisiana drivers carry no insurance, near the national average. The 2020 tort reform package lowered the jury trial threshold from $50,000 to $10,000, which affects how mid-size cases get litigated.

Comparative Fault Rule

Pure comparative fault under La. Civ. Code art. 2323
You can recover damages even if 99 percent at fault, with the award reduced by your share
Louisiana is one of about 13 pure comparative states nationwide

Louisiana Funding From Start to Finish

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

Send Details

Send case details through the form above or call (800) 961-8924 to start by phone. Most Louisiana applications take under five minutes.

Attorney Coordination

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

Wire Execution

After both you and your attorney sign the funding agreement, the wire goes out by ACH. Most Louisiana plaintiffs see the deposit hit their account within 24 hours of execution.

Louisiana Plaintiff Questions and Answers

How does Louisiana civil law affect funding?

Civil law affects case procedure and terminology, not funding eligibility. Louisiana uses “prescription” instead of statute of limitations, applies different evidentiary rules in some matters, and runs its courts on civil law tradition. None of that changes our underwriting criteria, which look at case merit, liability, and damages.

Do offshore and Jones Act cases qualify?

Yes. Jones Act seaman claims, Outer Continental Shelf Lands Act injuries, and other maritime cases filed in Louisiana federal courts all qualify for our funding. These cases often run longer than typical personal injury matters because of complex federal procedure, which makes pre-settlement funding particularly useful.

What advance can I expect on a Louisiana case?

Advances run from $500 to over $250,000. Most Louisiana plaintiffs qualify for between 10 and 20 percent of expected gross settlement. The actual amount depends on case strength, liability picture, and the defendant’s available coverage.

What if my Louisiana case ends in a defense verdict?

You owe nothing. Non-recourse funding means our repayment depends on a recovery. A defense verdict, dismissal, or other no-collection outcome ends the funding obligation entirely. The money already paid out stays with you.

File your Louisiana lawsuit loan application today