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There are a whole range of personal injury lawsuits.
The general idea, however, is that a plaintiff who is injured sues a defendant, who is or is responsible for the plaintiff’s injuries.
The defendant can be a hotel, as in the case of a slip and fall; a company, as in the case of product liability; a hospital, as in the case of medical malpractice; or many other entities.
A personal injury case is any case in which one person is injured, and another person or entity can be held legally responsible for that injury.
In other words, if someone slips and falls in his or her own home because he or she waxed the floor and injured himself or herself, that’s a personal injury, but it’s not a personal injury case.
For it to be a personal injury lawsuit, there has to be someone to sue.
Additionally, while you may be personally injured in a car accident, car accidents are treated differently from most personal injury lawsuits, so we do not consider them to be personal injury cases.
Delta Lawsuit Loans offers loans on personal injury cases.
While personal injuries can be deeply emotionally and financially devastating, we can help in at least some small way by offering financial assistance.
Once you’ve hired a lawyer to look into pursuing your case, you can apply for a personal injury lawsuit loan from us.
Once you apply, it can take as little as 24 hours to get cash into your bank account.
You can spend the money however you want, and you don’t pay back until you settle.
The way personal injury law varies between states, but some basic factors remain steady across jurisdictions.
Personal injury law works off the basic assumption that the plaintiff (the person claiming personal injury) demonstrates both damages (the injuries and costs of treating them, along with other costs associated with the injuries) and the defendant’s responsibility.
In other words, showing that you were injured isn’t enough.
You’ll have to show that you were acting responsibly and nevertheless were injured because of the defendant’s negligence.
In every state, you’ll have to demonstrate your damages––medical bills, lost wages, loss of function of a part or all of a limb or bodily function, pain and suffering, and other damages.
Depending on the state, you’ll also have to prove that the defendant was completely (contributory negligence), mostly (modified comparative negligence), or partially (pure comparative negligence) responsible for your damages.
Based on these two figures––the number of damages and the percentage of the accident for which the defendant was responsible––will determine the settlement amount.
In states with contributory negligence, if you were even partially responsible for your injury, you’ll get nothing.
In states with modified comparative negligence, if you were partially responsible, you’ll get a portion of your damages that corresponds to the part of the accident for which you were not responsible.
For example, if you were 30 percent responsible for your $10,000 in damages, you’ll get $7,000.
But if you were 60 percent responsible, you’ll get nothing.
In pure comparative negligence states, even if you were 60 percent responsible in such a case, you can get $4,000, and if you were 90 percent responsible, you can get $1,000.
The laws in your state are one of the many factors we consider when determining whether to approve your request for a lawsuit loan.
Two of the factors we don’t consider when making the decision whether to offer a personal injury lawsuit funding are your credit history and employment situation.
They’re irrelevant to our decision because you pay right out of the settlement, so we don’t need to know and they don’t affect our decision.
To sue for personal injury, you must demonstrate that you were injured.
These injuries can range in severity from requiring some time in the hospital to keeping you out of work to affecting every aspect of your daily life.
Injuries that qualify as bodily injury can include:
We offer the following personal injury loans:
The medical bills associated with these injuries can be overwhelming, but they don’t have to be.
The personal injury settlement loans from us can be used to pay off medical bills in the time between your injury and when you settle, which can take months if not years.
A lawsuit loan, by contrast, takes as little as a day to arrive in your bank account.
That depends on many factors.
Is there room for the defendant to dispute that they were responsible? How willing or unwilling is the defendant to go to trial?
How much are you looking for in a settlement?
It might not take long to receive an initial offer of compensation.
Especially if a trial can be financially troubling for the defendant and they are willing to pay a premium to avoid trial, you can expect an initial offer not too long after you begin settlement talks.
But this offer is usually left best on the table and negotiated from.
You don’t want to be forced to accept an initial offer because you’re desperate for cash.
It can take months and months to get a realistic offer out of the defendant.
Without a lawsuit loan, you may not have the luxury of waiting that long.
A lawsuit loan from us gives you the money you need to be able to turn down the first offer you get until you get a settlement offer you can give an enthusiastic yes to.
There are a whole number of cases categorized as personal injury cases.
In general, if you were injured; someone else was completely, mostly, or partially at fault (depending on the law in your state); and the case did not involve a vehicle accident, it can be categorized as a personal injury case.
Some personal injury cases include:
These are just examples, so if you’re not sure if you were involved in a personal injury case, you should consult with an attorney.
Once you hire a lawyer, you can apply for a personal injury loan, and we’ll review the details of the case to make sure you qualify.
Lawsuit loans are much better tailored to our clients than bank loans are. For one thing, you only pay back if you win.
If you lose your case and don’t settle, that’s unfortunate, but at least you don’t have to worry about paying back your lawsuit loan.
If you had taken out a bank loan, you’d still have to pay it back after losing your case.
Additionally, you only pay back the “loan” when you win your case.
If that takes a year, you won’t be on the hook for any sort of payment during that year.
When you settle, we’ll take whatever you owe us right out of the settlement.
Beyond that, lawsuit loans may make more sense for you than a bank loan.
We won’t check your credit or employment when you apply.
We judge your application based on the merits of your case and not based on outside concerns like credit or a source of income.
That’s especially important after an accident, which can result in an inability to work.
Banks have to check these things because they affect whether the loan will be repaid, but because lawsuit loans are not really loans and are repaid right out of the settlement, they don’t matter to us, so we don’t check them.
Finally, you can spend the pre-settlement loan however you want because it’s your money!
We won’t tell you how to spend it, nor should we.
Once the money’s in your bank account, it’s yours for good; we get repaid from the settlement, so how you spend that money doesn’t affect our ability to collect the repayment.
For more information about our personal injury lawsuit settlements, call us today.