Massachusetts Pre-Settlement Funding

PIP gets you to the courthouse. Funding gets you through the wait.

Massachusetts runs a no-fault auto insurance system, which means PIP coverage pays first regardless of who caused the crash. The state allows plaintiffs to sue beyond PIP for pain and suffering, but only after medical bills cross the $2,000 threshold or specific serious injuries are documented. By the time a case meets that threshold and gets filed, months have usually passed. Bills don’t stop during that time. Massachusetts pre-settlement funding closes the gap by advancing cash against your active personal injury claim. Repayment is contingent on a recovery. A defense verdict ends the obligation. A lawsuit advance keeps Massachusetts plaintiffs financially steady through long no-fault transitions.

✓ Repay $0 If You Lose

✓ $500 to $250,000+

✓ No Credit Check

Apply For Pre-settlement Funding

Massachusetts Qualification Requirements

Three baseline pieces have to align before our underwriting team will move on a Massachusetts funding application. Your case must be a personal injury action actively filed in Massachusetts, your attorney needs to be running it on contingency, and your filing must still be inside Massachusetts’s three-year statute under Mass. Gen. Laws ch. 260, § 2A. Anything missing parks the file.

Filed Massachusetts Case

A personal injury case actively filed in Massachusetts Superior Court, Massachusetts District Court, or the federal District of Massachusetts. Our funding covers plaintiffs across all 14 Massachusetts counties, from Suffolk and Middlesex through Berkshire and Nantucket.

Bar-Licensed Contingency Counsel

Your attorney has to be admitted to the Massachusetts Bar and working the case on a contingency fee. The lawsuit advance documentation moves between us and your law firm. The applicant rarely needs to handle paperwork beyond signing the final agreement.

Solid Underwriting Profile

Documented liability, real damages on the record, and a defendant with insurance or assets to back a judgment. Those are the underwriting pieces that matter. Credit history, income, and employment status don’t factor in.

Massachusetts Case Categories Under Our Funding

Six categories cover the bulk of Massachusetts personal injury filings. Each one goes through the same underwriting framework with case-specific tweaks.

Auto Accidents

I-93 and Mass Pike collisions, MBTA bus and T-train incidents, semi-truck wrecks on I-90, and pedestrian injuries in dense urban Boston neighborhoods.

Medical Malpractice

Surgical errors at Mass General, Brigham and Women’s, and Boston Children’s, anesthesia complications, diagnostic failures, and elder care complaints.

Premises & Slip and Fall

Slip and fall claims at retail and university campus properties, winter weather-related incidents, and security failures at apartment complexes.

Workplace & Biotech

Construction accidents in Boston development zones, biotech and pharmaceutical industry injuries, and third-party claims outside Massachusetts workers’ compensation.

Wrongful Death

Personal representative actions under Mass. Gen. Laws ch. 229, § 2 following a fatal injury caused by another party’s negligence.

Mass Tort & Product Liability

MDL filings for defective pharmaceuticals and medical devices, plus environmental contamination cases tied to Massachusetts industrial and federal operations.

Move your Massachusetts lawsuit funding application forward this week

Get Started

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

Massachusetts Pre-Settlement Funding Laws and Regulations

Massachusetts operates a no-fault auto insurance system with mandatory PIP, but plaintiffs can still sue for pain and suffering when injuries meet specific thresholds. Modified comparative negligence at the 51 percent bar applies to non-PIP cases. The state’s three-year statute of limitations gives plaintiffs reasonable time to file, but specific deadlines apply to medical malpractice and government claims. Each Massachusetts lawsuit funding decision works within these rules, so confirm specifics with your attorney before relying on the figures below.

Statute of Limitations for Personal Injury

General negligence: 3 years from the date of injury under Mass. Gen. Laws ch. 260, § 2A ^[1]
Medical malpractice: 3 years from cause of action, 7-year statute of repose under Mass. Gen. Laws ch. 260, § 4
Wrongful death: 3 years from the date of death under Mass. Gen. Laws ch. 229, § 2
Product liability: 3 years from injury

Massachusetts applies a 7-year absolute statute of repose for medical malpractice claims, which cuts off cases regardless of discovery date. State government tort claims need notice within 2 years under the Massachusetts Tort Claims Act, while municipal notice requirements vary by jurisdiction.

Minimum Mandatory Auto Policy Limits

Bodily Injury Liability (BI): $20,000 per person / $40,000 per accident ^[2]
Property Damage Liability (PD): $5,000
Personal Injury Protection (PIP): $8,000 (required, no-fault state)
Uninsured/Underinsured Motorist (UM/UIM): $20,000 per person / $40,000 per accident (required)

Massachusetts is a true no-fault state. PIP coverage at $8,000 pays first for medical bills and lost wages regardless of fault. To sue beyond PIP for pain and suffering, medical bills must exceed $2,000 or specific serious injury thresholds must be met. UM and UIM coverage is required at the same limits as bodily injury liability. Around 4 percent of Massachusetts drivers carry no insurance, the lowest rate in the country.

Comparative Negligence Rule

Modified comparative negligence with a 51 percent bar under Mass. Gen. Laws ch. 231, § 85
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 fault share

Massachusetts Application Flow

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

Send Case

Submit case details through the form at the top of this page, or call (800) 961-8924 to start by phone. Most Massachusetts applications take under five minutes.

Document Pull

Our team contacts your Massachusetts 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 Sent

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

Massachusetts Plaintiff FAQ

How does Massachusetts no-fault affect funding eligibility?

It affects timing more than eligibility. PIP pays first for medical bills and partial lost wages up to $8,000. To file a tort claim beyond PIP for pain and suffering, medical bills must exceed $2,000 or specific serious injuries must be documented. We fund cases that have crossed that threshold and are pursuing additional damages.

Are MBTA and transit cases eligible?

Yes. T-train accidents, MBTA bus injuries, and other public transit cases all qualify. These cases face specific notice requirements when the MBTA is a defendant, so timing matters. The faster you file and submit a funding application, the more flexibility we have on the offer.

What’s the typical advance size in Massachusetts?

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

What if my Massachusetts case ends in a defense verdict?

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

Submit your Massachusetts lawsuit loan paperwork today