Montana Pre-Settlement Funding
Funds when you need them, on your pending Montana injury claim.
Waiting on an injury settlement in Montana can stretch for months. Pre-settlement funding puts cash in your pocket now against a pending personal injury claim, so bills do not pile up while the case works through court. You repay only if you win or settle; lose at trial and the obligation goes away.
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
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Injury Claims in Montana: What Plaintiffs Should Know
Crashes and injuries in Montana
Across Montana, the tally reached 208 traffic fatalities and 776 serious injuries in 2023. Most of that falls in and around Billings (Yellowstone County). Numbers like these are why bridge funding exists for people who cannot wait.
Sources: official Montana crash data and NHTSA. See the citations at the foot of this page.
Which Montana courts hear these cases
Montana injury suits concentrate around Billings (Yellowstone County), Missoula, Great Falls. Personal injury actions proceed in the District Court in Montana. Court backlogs vary by county, which is one reason plaintiffs seek an advance while they wait.
How Montana’s rules change your case
In practical terms, Montana is an at-fault (tort) state, so you pursue the driver who caused the crash and their insurer directly. Clear liability evidence, police reports, witnesses, and photos, moves a Montana case forward and moves an advance with it.
Montana applies modified comparative negligence with a 51% bar. Reach that share of fault and you recover nothing; below it, your award drops by your percentage. A realistic fault estimate from your Montana attorney shapes the advance we can offer. And because Montana’s filing deadline for most injury claims is 3 years, an approaching deadline is a common reason to line up counsel and funding early.
The clock on your Montana case
In Montana, the general injury deadline is 3 years. Medical malpractice runs 2 years from injury or discovery, 5-year repose, and wrongful death is 3 years from death. In Montana, letting the deadline pass usually forecloses the claim, so confirm it with counsel. An advance is possible only against a live, timely filing.
How your Montana advance is sized
Funding on a Montana car accident case scales with expected value, around 10 to 20 percent of the net, so a stronger claim supports a larger advance. Montana sets bodily-injury minimums at $25,000 per person, so a low-limit policy can limit recovery, and we factor that into the offer. And because Montana regulates legal funding, your contract carries the statutory protections described below. See how personal injury advances work for the mechanics. The review is free, and repayment on a Montana advance is owed only out of a recovery.
Qualifying for Funding in Montana
Qualifying in Montana comes down to an active claim, an attorney on contingency, and a deadline (3 years) that has not passed. We approve on case merit. See who qualifies for lawsuit loans.
Open Montana Case
An open personal injury claim filed in Montana’s District Court. We fund plaintiffs across all 56 counties.
Montana Attorney on Contingency
Representation by a Montana-barred lawyer working on contingency. We deal with your firm on the funding, not you.
Underwritable Case Facts
Approval rides on the Montana case, not on you: documented liability, real damages, and a defendant who can pay. Credit and income do not factor in.
Montana Case Types We Fund
If it is an individual injury claim under Montana law, it is likely fundable. The main types are below.
Auto Accidents
Car, truck, motorcycle and rideshare collisions across Billings (Yellowstone County) and the rest of Montana.
Medical Malpractice
Botched procedures, missed diagnoses and hospital negligence in Billings (Yellowstone County) and across Montana.
Premises & Slip and Fall
Unsafe conditions at Montana stores, apartments and businesses. Premises claims.
Workplace & Construction
Third-party job-site injury claims outside Montana workers compensation.
Wrongful Death
Family claims when a Montana injury turns fatal.
Catastrophic Injury
Life-changing Montana injuries: brain trauma, spinal damage and burns.
Montana Pre-Settlement Funding Laws and Regulations
Here is how Montana 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: 3 years [1]
- Medical malpractice: 2 years from injury or discovery, 5-year repose
- Wrongful death: 3 years from death
Montana applies different limits to malpractice and wrongful death, and government claims can carry short notice deadlines. Verify dates with counsel.
Minimum Mandatory Auto Policy Limits
- Bodily Injury Liability: $25,000 per person / $50,000 per accident [2]
- Property Damage Liability: $20,000
- Personal Injury Protection (PIP): not required
Montana is an at-fault (tort) state, not no-fault. Uninsured-motorist coverage is offered and can usually be added.
Negligence Rule
- Modified comparative (51% bar)
- This rule decides how shared fault changes what you recover in Montana.
We weigh this rule when we size a Montana advance.
The Montana Funding Process Step by Step
The Montana process is short: apply, underwriting review, funds. See how it works for detail.
1
Apply
Send case details through the form above or call (800) 961-8924. It takes about five minutes.
2
Attorney Verification
Your Montana lawyer sends the file; we check liability and value, often deciding in a day.
3
Funds Released
After you sign, the advance is sent by ACH or wire, usually inside 48 hours.
Common Questions From Montana Plaintiffs
What happens to my advance if I’m 30% at fault in Montana?
At 30 percent you are under Montana’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 Montana attorney helps us offer the right amount.
What protections does Montana’s legal funding law give me?
Montana regulates consumer legal funding. MCA Title 31 ch. 4 (2023, amended 2025): Secretary of State registration, charges capped at the legal rate, funder may not recover more than 25% of the award Our Montana contracts are written to meet those requirements, so the terms you sign already reflect the state’s plaintiff protections.
How much can I get on a Montana car accident case?
Advances typically run 10 to 20 percent of expected recovery, from $500 to $250,000+. With Montana’s minimum bodily-injury limits at $25,000 per person, a small policy can cap value, so we anchor the advance to your attorney’s projected settlement rather than a flat number.
Do I have to live in Montana to qualify?
You need a case filed in Montana, not a Montana address. Plenty of clients live out of state while their Montana claim proceeds; we work through their attorney either way.
Resources
- General injury statute of limitations (3 years) – official Montana statute (mca.legmt.gov).
- Montana auto insurance minimums – Montana insurance authority (csimt.gov).
- Serious injuries, traffic fatalities (2023): FHWA State Highway Safety Report – source.