Texas Pre-Settlement Funding

Injury case grinding on across the Lone Star State? Pull cash from it now.

Texas runs on energy, freight, and construction, and all three put people in harm’s way. Oilfields in the Permian Basin, refineries along the Houston Ship Channel, and 18-wheelers packing I-35 and I-10 generate serious injuries every day. When a claim in Harris, Dallas, or Bexar County drags on for a year or more, the bills pile up fast. Texas pre-settlement funding eases that strain. It’s a non-recourse advance on your pending injury case, repaid only if you win. Lose the case, and you keep every dollar.

✓ No Win, No Repayment

✓ $500 to $250,000+

✓ All TX Case Types

Apply For Pre-settlement Funding

Who Qualifies in Texas

Texas lawsuit funding hinges on three pieces fitting together: a filed injury case, an attorney working it for a contingency fee, and a claim still inside the two-year deadline. Once those boxes are checked, the case itself decides the rest. Underwriters look at who is liable, what insurance or assets back the defendant, and how solid the medical documentation is. Your wages and credit never enter the picture. Texas applies proportionate responsibility with a 51% bar, so the expected fault split shapes the advance. The energy and construction sectors here also produce a lot of claims against parties other than the injured worker’s own employer.

Active Texas Filing

A case filed in a Texas district court or one of the state’s four federal districts. We fund plaintiffs statewide, from the Gulf Coast and Houston through the Metroplex and the Hill Country to the Permian Basin and the border counties along the Rio Grande.

Contingency Attorney

A Texas-licensed attorney is handling your claim on contingency. We coordinate through the firm to pull the records underwriting needs. Hurt in Texas but living somewhere else now? You still qualify, as long as a Texas lawyer is on the case.

Documented Damages

Fault that rests with the other side, medical records that establish the injury, and a defendant with insurance or assets to reach. Under the 51% bar, a minority share of fault still leaves a fundable claim, but hitting 51% ends recovery.

Personal Injury Cases We Fund in Texas

Oil, freight, and a nonstop construction boom drive most of the claims we handle here. Six case types show up again and again across Texas.

Oil, Gas, and Refinery Injuries

Drilling-rig accidents in the Permian Basin and Eagle Ford, blowouts, and explosions or burns at the refineries and petrochemical plants ringing the Houston Ship Channel. When a contractor, operator, or equipment maker is to blame, that claim can be funded.

18-Wheeler and Trucking Crashes

Big-rig wrecks on I-35, I-10, and I-45, plus the heavy oilfield truck traffic in West Texas. These crashes bring catastrophic injuries and commercial carriers with large policies and aggressive defense teams.

Construction Site Accidents

Falls, crane failures, and equipment injuries on the building sites fueling growth in Austin, Dallas, San Antonio, and Houston. Texas doesn’t force employers to carry workers’ comp, which often turns a jobsite injury into a direct negligence claim.

Car and Highway Accidents

Collisions on the sprawling freeways of the major metros and on the long rural highways that connect them. With millions of daily commuters and heavy interstate travel, serious auto wrecks are among the most common claims in the state.

Medical Malpractice

Surgical errors, misdiagnoses, and birth injuries at the Texas Medical Center in Houston and hospital systems statewide. Texas caps non-economic damages in these cases and requires an expert report early, which shapes both strategy and value.

Premises and Industrial Liability

Plant explosions, chemical exposure, slip-and-falls, and negligent security at stores, apartments, and industrial sites. The state’s heavy industry makes large-scale premises and plant incidents a recurring source of injury claims.

Get a Texas lawsuit advance today

Get Started

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

Texas Pre-Settlement Funding Laws and Regulations

Texas is an at-fault tort state with a two-year window to file most injury claims. Shared fault runs through proportionate responsibility, which bars recovery once a plaintiff crosses 51%. Two features set Texas apart: employers are not required to carry workers’ comp, and medical malpractice claims face statutory caps on non-economic damages. The summaries below are plain-language background, not legal advice. Your attorney can confirm the deadlines and rules that apply to your specific case.

Statutes of Limitations

Personal injury (general): 2 years, Tex. Civ. Prac. & Rem. Code Section 16.003 ^[1]
Medical malpractice: 2 years, with non-economic damage caps and a required expert report within 120 days of filing (Chapter 74)
Wrongful death: 2 years from the date of death
Claims against governmental units under the Texas Tort Claims Act carry their own notice deadlines

Two years covers most injury cases, but malpractice carries an extra trap: an expert report is due within 120 days of filing, and a missed or deficient report can sink the case early. That front-loaded requirement is one reason malpractice plaintiffs often need to fund sooner rather than later.

Auto Insurance Minimums

Bodily injury liability: $30,000 per person / $60,000 per accident ^[2]
Property damage liability: $25,000 (the state’s 30/60/25 minimum)
Texas is an at-fault state. There is no mandatory personal injury protection, though PIP must be offered
Uninsured and underinsured motorist coverage must be offered but can be rejected in writing

Texas sets its floor at 30/60/25, higher than the 25/50/25 minimum common in many states. Even so, a serious crash can blow past those limits quickly, and a high number of Texas drivers carry no insurance at all. UM and UIM coverage, when you keep it, often becomes the practical route to a recovery. Confirm current rules with the Texas Department of Insurance.

Proportionate Responsibility

Texas uses proportionate responsibility (Tex. Civ. Prac. & Rem. Code Section 33.001)
A plaintiff who is more than 50% at fault recovers nothing
Recovery is reduced by the plaintiff’s percentage of responsibility
Texas employers may opt out of workers’ comp, leaving injured workers a direct negligence claim

The workers’ comp piece is what makes Texas unusual. It’s the only state that lets private employers go without comp coverage. When a “nonsubscriber” employer’s negligence hurts a worker, the result is a lawsuit, not a comp claim, and that lawsuit can be funded like any other injury case. Underwriting still sizes the advance around fault and the net expected recovery.

How to Apply for Texas Pre-Settlement Funding

The application takes roughly five minutes, and most Texas cases have a decision by the end of the next business day.

Start the Request

Fill out the form above or call (800) 961-8924. Give us your case type, the county where it’s filed, and your attorney’s contact information. That covers the intake.

We Evaluate

We reach your attorney, request the file, and weigh the liability, the coverage available, the documented injuries, and how responsibility is likely to be divided. In most Texas cases we respond the day the firm gets back to us.

Cash in Hand

After you and your attorney sign off, the ACH transfer goes out the same day. Most Texas plaintiffs have the money available within 24 hours.

Questions from Texas Plaintiffs

I was hurt on an oil rig or at a refinery. Can a claim like that be funded?

Frequently, yes. Energy work involves layers of companies on one site, the operator, the drilling contractor, service crews, and equipment suppliers, and an injury often traces back to a party that isn’t your direct employer. That third-party negligence claim is exactly what we can advance against. The injuries in rig blowouts, refinery fires, and chemical exposures tend to be severe, which can mean significant value. Have your attorney send the filing and the records, and we’ll review the liability and the documented damages.

My employer has no workers’ comp. Does that help or hurt my chances of funding?

It can actually help. Texas is the only state that lets employers skip workers’ comp, and those “nonsubscriber” companies give up key legal defenses when they do. If a nonsubscriber employer’s negligence caused your injury, you have a direct lawsuit against the company rather than a capped comp claim, and lawsuits are fundable in a way comp claims are not. The case still has to show negligence and real damages. If your attorney has filed a nonsubscriber claim with solid liability, it’s a strong candidate for an advance.

Texas caps malpractice damages. Will that stop me from getting funded?

Not on its own. Texas caps non-economic damages, things like pain and suffering, in medical malpractice cases, but it does not cap economic damages such as medical bills and lost earnings. Many serious malpractice claims carry large economic losses that fall outside the cap entirely. Underwriting simply factors the cap into the projected recovery, the same way it weighs any other limit on value. A well-supported case with a strong expert report and significant economic damages can still qualify, cap and all.

An 18-wheeler hit me on the interstate. Is that the kind of case you advance on?

It is, and these are often among the stronger cases we see. Commercial trucks carry far larger insurance policies than ordinary drivers, so a clear-liability crash with serious injuries can be worth a great deal. The catch is that carriers and their insurers fight hard and move fast, which can drag the case out for many months. Funding lets you keep up with bills and resist a quick, low offer while your attorney builds the case. If the trucking company is clearly at fault and your injuries are documented, send it our way.

Submit your Texas lawsuit loan application today