Virginia Pre-Settlement Funding
Cash to cover bills while your Virginia injury case moves forward.
An Virginia 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 Virginia: What Plaintiffs Should Know
How often injuries happen in Virginia
Virginia roads produced 127,597 total crashes, 907 traffic fatalities and 63,876 persons injured in 2023. The heaviest volume runs through Virginia Beach and Norfolk. Each injury crash can leave a plaintiff covering costs for months before any payout.
Sources: official Virginia crash data and NHTSA. See the citations at the foot of this page.
Which Virginia courts hear these cases
Most Virginia injury lawsuits come out of Virginia Beach, Norfolk, Chesapeake. Personal injury actions proceed in the Circuit Court in Virginia. The court you file in mainly affects speed, not whether you can be funded.
How Virginia’s rules change your case
In practical terms, Virginia 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 Virginia case forward and moves an advance with it.
Virginia still follows the strict contributory-negligence rule. If a jury finds you even one percent at fault, you can be barred from recovering anything, so liability evidence carries unusual weight and case value is harder to predict. We take that into account when we evaluate a Virginia claim for funding. And because Virginia’s filing deadline for most injury claims is 2 years, an approaching deadline is a common reason to line up counsel and funding early.
Deadlines that shape a Virginia claim
Virginia sets 2 years for most injury suits, 2 years from injury, 10-year repose for medical malpractice, and 2 years from death for wrongful death. In Virginia, letting the deadline pass usually forecloses the claim, so confirm it with counsel. An advance is possible only against a live, timely filing.
How much a Virginia plaintiff can draw
We size a Virginia advance to the recovery your attorney projects, usually 10 to 20 percent of the net, within a $500 to $250,000+ range. With Virginia’s minimum bodily-injury limits at $50,000 per person, smaller policies can cap what is collectible, which we weigh when sizing the advance. See how personal injury advances work for the mechanics. There is no cost to apply, and your Virginia advance is repaid solely from a successful outcome.
Qualifying for Funding in Virginia
Qualifying in Virginia comes down to an active claim, an attorney on contingency, and a deadline (2 years) that has not passed. We approve on case merit. See who qualifies for lawsuit loans.
Open Virginia Case
An open personal injury claim filed in Virginia’s Circuit Court. We fund plaintiffs across all 95 counties.
Virginia Attorney on Contingency
Representation by a Virginia-barred lawyer working on contingency. We deal with your firm on the funding, not you.
Underwritable Case Facts
We underwrite the strength of the Virginia claim, clear fault and real damages, rather than your finances. No credit check.
Virginia Case Types We Fund
Most personal injury actions filed under Virginia law qualify for funding.
Auto Accidents
Car, truck, motorcycle and rideshare collisions across Virginia Beach and the rest of Virginia.
Medical Malpractice
Claims against Virginia doctors and hospitals, from surgical errors to delayed diagnosis.
Premises & Slip and Fall
Unsafe conditions at Virginia stores, apartments and businesses. Premises claims.
Workplace & Construction
Construction and industrial injuries in Virginia beyond the workers comp system.
Wrongful Death
Support for Virginia survivors during a wrongful-death case.
Catastrophic Injury
The most serious Virginia harm, from traumatic brain injury to severe burns.
Virginia Pre-Settlement Funding Laws and Regulations
Virginia’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: 2 years [1]
- Medical malpractice: 2 years from injury, 10-year repose
- Wrongful death: 2 years from death
Confirm the exact Virginia deadline for your claim type with your attorney; claims against government bodies can run on far shorter notice periods.
Minimum Mandatory Auto Policy Limits
- Bodily Injury Liability: $50,000 per person / $100,000 per accident [2]
- Property Damage Liability: $25,000
- Personal Injury Protection (PIP): not required
Virginia is an at-fault (tort) state, not no-fault. Uninsured-motorist coverage is offered and can usually be added.
Negligence Rule
- Contributory
- This rule decides how shared fault changes what you recover in Virginia.
In Virginia, this is why liability evidence drives the advance amount.
The Virginia Funding Process Step by Step
From application to deposit, most Virginia files run 24 to 48 hours. Read how it works.
1
Send Your Details
Fill in the Virginia form or ring (800) 961-8924; the whole thing runs about five minutes.
2
Underwriting Review
An underwriter reviews liability and damages with your Virginia attorney. Most decisions arrive within one business day.
3
Money Wired
On approval, money goes out by ACH or wire, typically within 24 to 48 hours.
Common Questions From Virginia Plaintiffs
I may have been partly at fault. Can I still get funding in Virginia?
Virginia follows contributory negligence, so any fault on your part can bar recovery entirely. We can still review the file, but liability evidence carries extra weight here, and we lean on your Virginia attorney’s honest read of fault before offering an advance on the case.
How much can I get on a Virginia car accident case?
Advances typically run 10 to 20 percent of expected recovery, from $500 to $250,000+. With Virginia’s minimum bodily-injury limits at $50,000 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 Virginia to qualify?
Residency is not the test; venue is. A case filed in Virginia, say in Virginia Beach, can be funded even if you now live elsewhere, as long as your Virginia attorney is handling it.
How fast is funding on a Virginia case?
Expect roughly a day for a decision on a Virginia case once we have the file, then 24 to 48 hours to fund. Losing the case means you owe nothing.
Resources
- General injury statute of limitations (2 years) – official Virginia statute (law.lis.virginia.gov).
- Virginia auto insurance minimums – Virginia insurance authority (scc.virginia.gov).
- Persons injured, total crashes, traffic fatalities (2023): dmv.virginia.gov – source.