New Jersey Pre-Settlement Funding
More highway miles per square mile than any other state. More injury claims, too. Cash advances while your case is pending.
New Jersey packs more highway miles per square mile than any other state in the country. When a crash on the Turnpike, a dock accident at Port Newark, or a surgical error at a Bergen County hospital takes you out of work, your rent and medical bills don’t pause. A New Jersey pre-settlement funding puts cash in your account while your attorney pushes the case forward. It’s non-recourse. You repay only if you recover. Lose, and the balance disappears.
✓ Repay $0 If You Lose
✓ $500 to $250,000+
✓ Decision in 24 Hours
Apply For Pre-settlement Funding
On this page
How New Jersey Funding Works
New Jersey lawsuit funding is non-recourse. That’s the most important thing to understand before you apply. There’s no monthly payment, no credit check, and no obligation if your case doesn’t win. The advance gets repaid from the settlement or verdict. Nothing comes from your personal assets. To open a file, underwriting needs three things confirmed. Your case must be a personal injury action actively filed in New Jersey. Your attorney must be working it on contingency. And the claim has to fall within the applicable statute of limitations. From there, the review turns to liability, coverage, and damages. On auto cases, your insurance tier selection and whether you’re subject to the verbal threshold factor into the valuation as well.
Active Personal Injury Case
A personal injury case on file in a New Jersey Superior Court or the U.S. District Court for the District of New Jersey. The court location doesn’t affect eligibility. We fund plaintiffs in all 21 New Jersey counties, from Hudson and Bergen down to Atlantic and Cape May.
Contingency Representation
Your attorney is licensed in New Jersey and handling the case on a no-win, no-fee basis. Our underwriting team works directly with the law firm. Out-of-state plaintiffs injured in New Jersey qualify the same way as local filers, provided a New Jersey-licensed attorney is on record.
Clear Liability Picture
Identifiable fault on the opposing side, documented injuries, and a defendant with accessible coverage or assets. Income, employment status, and credit history play no part in the decision. The case is the collateral, nothing else.
Cases We Fund in New Jersey
New Jersey’s economy produces injury claims that are different in character from most other states. These are the six categories our underwriting handles most often.
Turnpike and Highway Crashes
Multi-vehicle pileups on the New Jersey Turnpike, rear-end collisions on the Garden State Parkway, tractor-trailer accidents on I-78 and I-95, and Route 1 crashes near the distribution corridor between Edison and Trenton.
Port and Logistics Injuries
Third-party personal injury claims from dock accidents at Port Newark-Elizabeth, forklift injuries at warehouses in Carteret, South Brunswick, and Robbinsville, and loading dock incidents at the Amazon and FedEx distribution centers along the Route 1 and I-287 corridors.
Pharmaceutical Mass Torts
Product liability filings in the District of New Jersey against Johnson and Johnson, Merck, Novo Nordisk, and other pharma companies headquartered along the Route 1 corridor. The D.N.J. handles one of the largest MDL dockets in the country.
Construction and Worksite Injuries
Third-party claims from the Hudson County waterfront redevelopment zone, Newark and Jersey City construction sites, and infrastructure projects throughout the state. Workers’ compensation doesn’t block a third-party personal injury claim against a negligent contractor or property owner.
Medical Malpractice
Surgical errors, misdiagnosis, and birth injury cases at Hackensack University Medical Center, Robert Wood Johnson University Hospital, AtlantiCare Regional Medical Center, and hospital systems across all 21 New Jersey counties.
Premises and Slip-and-Fall
Inadequate maintenance, negligent security, and slip-and-fall claims at Atlantic City casino properties, commercial properties, shopping centers, and residential buildings across the state.
New Jersey Pre-Settlement Funding Laws and Regulations
A few things about New Jersey personal injury law don’t show up anywhere else. The state runs a two-tier auto insurance system where a policyholder’s right to sue for pain and suffering depends on a coverage election they made when they bought the policy, sometimes years before the accident happened. New Jersey lawsuit funding accounts for this in every auto case underwriting review. Beyond auto, the state’s modified comparative fault rule cuts off recovery entirely if the plaintiff’s fault share exceeds 50 percent. The data below is a reference summary. Check everything with your attorney before relying on it.
Statutes of Limitations
- Personal injury (general): 2 years from the date of injury, N.J.S.A. 2A:14-2 [1]
- Medical malpractice: 2 years, with a discovery rule that starts the clock at the point of reasonable discovery
- Wrongful death: 2 years from date of death under N.J.S.A. 2A:31-3
- Claims against public entities: written notice of claim required within 90 days, N.J.S.A. 59:8-8
The 90-day government notice rule catches many NJ plaintiffs off guard. If your injury involves a public road, transit system, or municipal property, the notice deadline may hit well before you’ve finished treatment. Speak with your attorney immediately.
New Jersey’s Two-Tier Auto System
- Standard policy: minimum $15,000 PIP, $15,000/$30,000 BI, $5,000 PD [2]
- Basic policy: no mandatory bodily injury liability; PIP covers medical only
- Verbal threshold option (N.J.S.A. 39:6A-8): limits pain-and-suffering claims to injuries meeting a statutory serious standard
- Zero threshold option: preserves the full right to sue for non-economic damages
The verbal threshold doesn’t bar you from getting funded. It affects how we value the non-economic portion of the claim. Strong economic damages can support an advance even when the verbal threshold narrows pain-and-suffering recovery.
Comparative Negligence
- Modified comparative fault under N.J.S.A. 2A:15-5.2
- Recovery is barred if the plaintiff’s share of fault is greater than the combined fault attributed to defendants
- At 50% or below, damages are reduced by the plaintiff’s percentage of fault
- Shared fault between multiple defendants is apportioned under joint and several liability rules
How to Apply for New Jersey Pre-Settlement Funding
The process is short. Most NJ applicants have a decision before the next business day ends.
1
Submit Your Application
Fill out the form at the top of this page or call (800) 961-8924. Tell us your case type, the county where it’s filed, and your attorney’s contact. It takes five minutes.
2
Underwriting Review
We reach out to your attorney’s office and request the case documents we need. Liability, coverage, and damages are reviewed. On auto cases, insurance tier and lawsuit option election come into that review. Most files close within one business day.
3
Receive Your Funds
You and your attorney sign the funding agreement. We send the ACH the same day. Most New Jersey plaintiffs see the deposit hit their account within 24 hours of signing.
Questions from New Jersey Plaintiffs
My auto policy has the verbal threshold. Can I still get funded?
Yes. The verbal threshold affects how much of your claim is recoverable, not whether you qualify for an advance. Underwriting focuses on the overall damages picture, including economic losses like lost wages and medical bills. A strong economic damages case can support a meaningful advance even when the verbal threshold limits the non-economic piece. Your attorney can clarify which category your injury falls into.
My case is part of a federal MDL in the District of New Jersey. Does that change anything?
Not for eligibility. MDL cases in the D.N.J. often take longer to resolve than standard state court personal injury filings, which is exactly why many MDL plaintiffs need funding in the first place. Underwriting reviews the individual case facts, not the MDL designation. If you’ve got documented injuries and liability is clear, the case is fundable.
I was hurt at work and have both a workers’ comp claim and a third-party lawsuit. Which can be funded?
The third-party personal injury lawsuit. Workers’ comp in New Jersey is an exclusive remedy against the employer. But if a third party, like a negligent contractor, equipment manufacturer, or property owner, contributed to your injury, you can still file a separate civil claim. That’s the case we can advance against. Ask your attorney whether a third-party claim exists alongside your comp case.
What does repayment actually look like when the case settles?
When your case settles, your attorney’s office handles the disbursement. The funding company is repaid directly from the settlement proceeds before you receive your net check. The amount repaid is the original advance plus the agreed fee, which your attorney reviewed and signed off on before the money was sent. You don’t write a check, and there’s no payment schedule to manage while the case is open.
Resources
- N.J.S.A. 2A:14-2: New Jersey two-year personal injury statute of limitations. Source: New Jersey Legislature, njleg.state.nj.us.
- New Jersey auto insurance minimum coverage requirements. Source: New Jersey Motor Vehicle Commission, nj.gov/mvc.