New York Pre-Settlement Funding
Get money now against your pending New York personal injury case.
An New York injury case can take months or years to resolve. A pre-settlement advance turns part of that future settlement into cash today, and it is non-recourse: if your case does not recover, you owe nothing.
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 New York: What Plaintiffs Should Know
How often injuries happen in New York
New York’s crash record shows 1,114 traffic fatalities and 10,508 serious injuries in 2023. The heaviest volume runs through New York City and Buffalo (Erie County). Each injury crash can leave a plaintiff covering costs for months before any payout.
Sources: official New York crash data and NHTSA. See the citations at the foot of this page.
Filing an injury claim in New York
New York City anchors New York filings, followed by Buffalo (Erie County), Rochester (Monroe County). These suits are heard in New York’s Supreme Court (Civil Term). Where your case sits does not change your eligibility for funding, but it does shape how quickly it moves.
New York fault and negligence rules in practice
In practical terms, New York 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.
New York uses pure comparative negligence, meaning you can recover even if you were mostly at fault, with your award trimmed by your share. Because value survives partial fault, more New York claims stay fundable than in states with a hard cutoff. And because New York’s filing deadline for most injury claims is 3 years, an approaching deadline is a common reason to line up counsel and funding early.
Time limits on New York injury claims
The main New York deadline is 3 years; malpractice claims follow 2.5 years from the act (continuous-treatment tolling); Lavern’s Law adds a discovery rule for cancer misdiagnosis capped at 7 years, and wrongful death is 2 years from death. In New York, 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 New York advance is sized
Because funding tracks the projected value of your New York case, generally 10 to 20 percent of the net, the rules and numbers above are not academic, they set your advance. New York 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 New York regulates legal funding, your contract carries the statutory protections described below. See how personal injury advances work for the mechanics. Applying costs nothing, and if your New York claim recovers nothing, you owe nothing.
Qualifying for Funding in New York
Qualifying in New York 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 New York Case
Your case must be filed and active in New York (Supreme Court (Civil Term)); we fund across all 62 counties.
New York Attorney on Contingency
A New York attorney on a contingency agreement is required; we handle the advance paperwork with their office.
Underwritable Case Facts
Approval rides on the New York case, not on you: documented liability, real damages, and a defendant who can pay. Credit and income do not factor in.
New York Case Types We Fund
These are the New York injury cases we advance on most often; each card links to details.
Auto Accidents
Car, truck, motorcycle and rideshare collisions across New York City and the rest of New York.
Medical Malpractice
Botched procedures, missed diagnoses and hospital negligence in New York City and across New York.
Premises & Slip and Fall
Injuries on someone else’s New York property, from wet floors to poor lighting. Premises liability.
Workplace & Construction
Construction and industrial injuries in New York beyond the workers comp system.
Wrongful Death
Support for New York survivors during a wrongful-death case.
Catastrophic Injury
Brain, spinal and severe-burn cases.
New York Pre-Settlement Funding Laws and Regulations
New York’s injury rules shape every funding decision, from the filing deadline to the negligence rule that sets case value. Verify dates and fault percentages with your attorney before relying on anything below.
Statute of Limitations for Personal Injury
- General negligence: 3 years [1]
- Medical malpractice: 2.5 years from the act (continuous-treatment tolling); Lavern’s Law adds a discovery rule for cancer misdiagnosis capped at 7 years
- Wrongful death: 2 years from death
New York 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: $10,000
- Personal Injury Protection (PIP): $50,000 no-fault PIP
New York is a no-fault state, so PIP pays first. Uninsured-motorist coverage is offered and can usually be added.
Negligence Rule
- Pure comparative
- How fault is apportioned in New York directly affects case value.
We weigh this rule when we size a New York advance.
The New York Funding Process Step by Step
The New York process is short: apply, underwriting review, funds. See how it works for detail.
1
Submit Your Case
Start the New York form above or call (800) 961-8924; a few minutes is all it takes.
2
Underwriting Review
We confirm the New York case file with your attorney and review it, usually within a business day.
3
Funds Released
After you sign, the advance is sent by ACH or wire, usually inside 48 hours.
Common Questions From New York Plaintiffs
Does New York’s PIP or injury threshold affect whether I can get funding?
It affects timing, not eligibility. In New York, 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 New York case for an advance.
What protections does New York’s legal funding law give me?
New York regulates consumer legal funding. Consumer Litigation Funding Act, Financial Services Law Art. 10 (eff. 17 Jun 2026): 10-business-day rescission, charges capped at 25% of gross proceeds, bold disclosures, DFS registration by 13 Feb 2027 Our New York 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 New York car accident case?
Advances typically run 10 to 20 percent of expected recovery, from $500 to $250,000+. With New York’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 New York to qualify?
Residency is not the test; venue is. A case filed in New York, say in New York City, can be funded even if you now live elsewhere, as long as your New York attorney is handling it.
Resources
- General injury statute of limitations (3 years) – official New York statute (nysenate.gov).
- New York auto insurance minimums – New York insurance authority (dfs.ny.gov).
- Serious injuries, traffic fatalities (2023): FHWA State Highway Safety Report – source.