Rhode Island Pre-Settlement Funding

From a Point Judith fishing boat to an I-95 crash in Providence. Non-recourse cash while your case plays out.

Rhode Island packs a lot into a small footprint. The I-95 corridor cuts straight through Providence, Narragansett Bay drives a busy maritime economy, and the state’s hospitals and universities draw people from across New England. Serious injuries happen across all of it. When a case lands in Providence County Superior Court, it can take two or three years to resolve, and bills don’t wait. Rhode Island pre-settlement funding bridges that gap. It’s a non-recourse cash advance on your active injury claim. You repay only if the case settles or wins. If it doesn’t, you owe nothing.

✓ No Win, No Repayment

✓ $500 to $250,000+

✓ All RI Case Types

Apply For Pre-settlement Funding

Who Qualifies in Rhode Island

Rhode Island lawsuit funding is available to plaintiffs with an active personal injury case, a contingency attorney, and a claim still inside the statute of limitations. The state gives you three years for most injury claims, so timing is rarely the obstacle here. Underwriting looks at how clear the liability is, what insurance or assets stand behind the defendant, and how well your injuries are documented. We never check your credit, your income, or your job. Rhode Island follows pure comparative negligence, so even a large share of fault on your part won’t automatically end your case. The advance is sized against your expected recovery, which is why your attorney’s read on the case carries weight.

Active Rhode Island Filing

A personal injury case filed in a Rhode Island superior or district court, or in the U.S. District Court for the District of Rhode Island. We fund plaintiffs in all five counties, from Providence and Kent to Washington, Newport, and Bristol.

Contingency Attorney

You’re represented by a Rhode Island-licensed attorney working on contingency. Underwriting coordinates with the firm to pull the records it needs. If you live elsewhere but were injured in Rhode Island, you still qualify as long as a Rhode Island attorney is handling the case.

Documented Damages

Fault that points to the other side, medical records that back up the injury, and a defendant with reachable insurance or assets. Under Rhode Island’s pure comparative rule, a plaintiff who shares some fault can still hold a fundable case, with the recovery adjusted for their share.

Personal Injury Cases We Fund in Rhode Island

The bay, the city density, and a major healthcare sector shape the injuries we see here. These are the six case types our team handles most across Rhode Island.

Maritime and Fishing Injuries

Injuries to commercial fishermen, dock workers, and vessel crews at Point Judith, the Port of Providence, and across Narragansett Bay. Maritime cases can fall under federal law like the Jones Act, and third-party claims against negligent vessel owners or contractors are often fundable.

Motor Vehicle Accidents

Car and motorcycle crashes on the I-95 corridor through Providence, I-195 toward the East Bay, and the dense surface streets of Cranston, Warwick, and Pawtucket. Heavy traffic in a small, compact state keeps these cases steady year-round.

Pedestrian Accidents

Pedestrians struck in the walkable downtowns of Providence, Newport, and the older mill cities, where narrow streets and heavy foot traffic put people close to cars. These crashes often leave serious injuries and clear liability on the driver.

Medical Malpractice

Surgical errors, missed diagnoses, and birth injuries at Rhode Island Hospital and its Level I trauma center, the rest of the Lifespan system, and Care New England hospitals including Women and Infants and Kent.

Construction and Worksite Injuries

Falls, crane accidents, and worksite injuries on commercial builds, bridge and highway projects, and the defense and shipbuilding work around Quonset Point. Third-party claims against negligent contractors can be funded alongside a workers’ comp claim.

Premises Liability

Slip-and-fall, negligent security, and unsafe condition claims at stores, apartment buildings, and the hotels and restaurants that serve Newport and the coast, plus the winter ice-and-snow falls common across a New England winter.

Get a Rhode Island lawsuit advance today

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

Rhode Island Pre-Settlement Funding Laws and Regulations

Rhode Island gives injured people a fairly generous three-year window for most personal injury claims, and it runs on an at-fault, tort system. The state follows pure comparative negligence, one of the more plaintiff-friendly rules in the country, which lets you recover a share of damages even if you were largely at fault. The summary below is a plain-language reference, not legal advice. Confirm your own deadlines and rights with your attorney before relying on any of it.

Statutes of Limitations

Personal injury (general): 3 years, R.I. Gen. Laws Section 9-1-14 ^[1]
Medical malpractice: 3 years, with a discovery rule (R.I. Gen. Laws Section 9-1-14.1)
Wrongful death: 3 years from the date of death (R.I. Gen. Laws Section 10-7-2)
Claims against the state or a city carry separate notice rules and deadlines

Rhode Island’s three-year window is more forgiving than the two-year rule in many states, but cases here still take time to develop. Claims against a government body follow their own track with earlier notice requirements, so confirm those deadlines with your attorney if a public entity is involved.

Auto Insurance Minimums

Bodily injury liability: $25,000 per person / $50,000 per accident ^[2]
Property damage liability: $25,000
Rhode Island is an at-fault state. There is no mandatory personal injury protection (PIP)
Uninsured and underinsured motorist coverage is generally provided up to your liability limits unless you reject it in writing

Because Rhode Island is an at-fault state, you pursue the responsible driver directly. When that driver is uninsured or underinsured, your own UM or UIM coverage often becomes a key recovery source. Underwriting accounts for the coverage available on both sides. Confirm current requirements with the Rhode Island DMV.

Pure Comparative Negligence

Rhode Island follows pure comparative negligence (R.I. Gen. Laws Section 9-20-4)
A plaintiff assigned any percentage of fault can still recover a proportional share of total damages
There is no cutoff. A plaintiff found 70% at fault can still recover 30% of the award
Fault is decided by the jury and applied to reduce the award

Pure comparative negligence keeps cases alive that stricter states would throw out. Underwriting weighs the expected recovery after fault is divided. A case where you carry part of the blame can still be funded. It just affects how much we can advance against it.

How to Apply for Rhode Island Pre-Settlement Funding

The application takes five minutes. Most Rhode Island files have a funding decision before the next business day ends.

Tell Us About Your Case

Fill out the form above or call (800) 961-8924. We’ll need your case type, the county where it’s filed, and your attorney’s name and phone number. That’s the whole application.

We Review the Case

Our underwriting team contacts your attorney and pulls the records. We look at liability, available insurance, documented damages, and how comparative fault is likely to land. Most RI files get a decision the same business day the attorney responds.

Money in Your Account

Sign the funding agreement with your attorney and we send the ACH the same day. Most Rhode Island plaintiffs have the deposit in their account within 24 hours of signing.

Questions from Rhode Island Plaintiffs

I was hurt working on a fishing boat or at the port. Can I get funded?

Often, yes, though maritime cases work a little differently. If you were injured as a crew member, your claim may fall under the federal Jones Act rather than state law, and dock and harbor workers may have rights under other federal statutes. Those cases are still fundable when they’re on file and the liability is clear. Third-party claims against a negligent vessel owner, contractor, or equipment maker can also be funded. Rhode Island’s fishing fleet at Point Judith and the activity around Narragansett Bay produce a real number of these injuries. Have your attorney send the file and we’ll review the specifics.

The other side says I was partly at fault. Does Rhode Island still let me recover?

Yes. Rhode Island uses pure comparative negligence, which is one of the most plaintiff-friendly fault rules anywhere. You can recover a share of your damages even if you were mostly to blame. A plaintiff found 60% at fault still recovers 40% of the award. For funding, that means a fault dispute doesn’t end your case. Underwriting uses the expected recovery after fault is divided to size the advance. A case where you carry some fault can still be funded, just at an amount that reflects the likely outcome.

I was hit by a car while walking in Providence. Can I get funded?

Yes. Pedestrian cases are common in Rhode Island’s dense downtowns, where narrow streets put walkers right next to traffic. When a driver strikes a pedestrian, liability often points clearly at the driver, and the injuries can be severe. As long as your attorney has filed the case, it’s a strong funding candidate. The clearer the liability and the better documented your injuries, the more we can typically advance against the expected recovery. You can apply at any point while the case is pending.

My malpractice case is against a Providence hospital. Can I get funded while it’s pending?

Yes, medical malpractice cases are fundable once they’re on file. Because so much of Rhode Island’s hospital care is concentrated in a few large systems around Providence, many malpractice claims involve those institutions. These cases tend to be document-heavy and slow, which is exactly the situation funding is built for. Underwriting reviews the liability, the supporting medical records, and the strength of the claim. If your attorney has filed the case and is moving it forward, you can apply at any stage and get cash now against the expected recovery.

Submit your Rhode Island lawsuit loan application today