Texas Pre-Settlement Funding
Funds when you need them, on your pending Texas injury claim.
Waiting on an injury settlement in Texas 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
Apply For Pre-settlement Funding
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Injury Claims in Texas: What Plaintiffs Should Know
Texas by the numbers
Official data for Texas counts 4,291 traffic fatalities, 250,489 persons injured and 15,227 serious injury crashes in 2023. Houston sees the most claims of any Texas metro. Those are not just statistics; they are people waiting on a recovery that takes time.
Sources: official Texas crash data and NHTSA. See the citations at the foot of this page.
Filing an injury claim in Texas
Most Texas injury lawsuits come out of Houston, San Antonio, Dallas. Personal injury actions proceed in the District Court in Texas. Court backlogs vary by county, which is one reason plaintiffs seek an advance while they wait.
Texas fault and negligence rules in practice
Put simply, Texas 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 Texas case forward and moves an advance with it.
Texas applies modified comparative negligence with a 51% bar. Hit the 51% threshold and you recover nothing; below it your award is trimmed proportionally, which is why Texas liability facts drive case value. And because Texas’s filing deadline for most injury claims is 2 years, an approaching deadline is a common reason to line up counsel and funding early.
Texas filing deadlines
The main Texas deadline is 2 years; malpractice claims follow 2 years from the treatment date, 10-year repose, and wrongful death is 2 years from death. Timing is not a formality in Texas: past the deadline the claim is barred. Because we fund only claims that are filed or still in time, an early filing helps on both fronts.
How your Texas advance is sized
We size a Texas advance to the recovery your attorney projects, usually 10 to 20 percent of the net, within a $500 to $250,000+ range. Texas sets bodily-injury minimums at $30,000 per person, so a low-limit policy can limit recovery, and we factor that into the offer. See how personal injury advances work for the mechanics. The review is free, and repayment on a Texas advance is owed only out of a recovery.
Qualifying for Funding in Texas
To fund a Texas case we need three things: a live injury claim, a contingency-fee attorney, and time left on Texas’s 2 years deadline. Approval turns on the case, not your credit. More on who qualifies.
Open Texas Case
Your case must be filed and active in Texas (District Court); we fund across all 254 counties.
Texas Attorney on Contingency
An attorney licensed in Texas handling your case on a contingency fee. We coordinate the advance directly with your law firm.
Underwritable Case Facts
We underwrite the strength of the Texas claim, clear fault and real damages, rather than your finances. No credit check.
Texas Case Types We Fund
If it is an individual injury claim under Texas law, it is likely fundable. The main types are below.
Auto Accidents
Heavy truck traffic on Texas’s freight corridors, plus car, motorcycle and rideshare collisions.
Medical Malpractice
Botched procedures, missed diagnoses and hospital negligence in Houston and across Texas.
Premises & Slip and Fall
Falls and negligent security on unsafe Texas property. See premises liability.
Workplace & Construction
Third-party job-site injury claims outside Texas workers compensation.
Wrongful Death
Survivor claims after a fatal Texas injury.
Catastrophic Injury
Life-changing Texas injuries: brain trauma, spinal damage and burns.
Texas Pre-Settlement Funding Laws and Regulations
Here is how Texas 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: 2 years [1]
- Medical malpractice: 2 years from the treatment date, 10-year repose
- Wrongful death: 2 years from death
Texas 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: $30,000 per person / $60,000 per accident [2]
- Property Damage Liability: $25,000
- Personal Injury Protection (PIP): not required
Texas 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 Texas.
We weigh this rule when we size a Texas advance.
The Texas Funding Process Step by Step
From application to deposit, most Texas files run 24 to 48 hours. Read how it works.
1
Send Your Details
Start the Texas form above or call (800) 961-8924; a few minutes is all it takes.
2
Case Review
An underwriter reviews liability and damages with your Texas attorney. Most decisions arrive within one business day.
3
Funds Released
After you sign, the advance is sent by ACH or wire, usually inside 48 hours.
Common Questions From Texas Plaintiffs
What happens to my advance if I’m 30% at fault in Texas?
At 30 percent you are under Texas’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 Texas attorney helps us offer the right amount.
How much can I get on a Texas truck accident case?
Advances typically run 10 to 20 percent of expected recovery, from $500 to $250,000+. With Texas’s minimum bodily-injury limits at $30,000 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 Texas to qualify?
Residency is not the test; venue is. A case filed in Texas, say in Houston, can be funded even if you now live elsewhere, as long as your Texas attorney is handling it.
How fast is funding on a Texas case?
After your Texas attorney sends the documents, approval often lands in a business day and money follows within 24 to 48 hours by wire or ACH.
Resources
- General injury statute of limitations (2 years) – official Texas statute (statutes.capitol.texas.gov).
- Texas auto insurance minimums – Texas insurance authority (tdi.texas.gov).
- Persons injured, serious injury crashes, traffic fatalities (2023): txdot.gov – source.