Insurance companies have entire departments dedicated to making accident victims wait. We exist to make sure waiting doesn't force you to settle for less than you deserve.
Every personal injury attorney has the same conversation with clients eventually. The case is going well. Liability is clear. The medical evidence is strong. The settlement offer on the table, however, is half of what the case is actually worth — and the client can't pay rent next month.
That's the moment legal funding was invented for. With financial pressure off the client, the attorney can do their job: hold out for the settlement the case actually warrants, instead of taking whatever's offered to make the bills stop. Insurance companies know this dynamic, and they price their offers accordingly. The companies that don't have leverage settle for what's offered. The companies that do, get paid fairly.
Legal funding companies often try to be everything to everyone — workers' comp, medical malpractice, mass tort, commercial litigation. Each of those domains has different rules, different timelines, different underwriting profiles, and different pitfalls.
We chose a different path. Car accident cases are what we do, and we're built specifically for them. Our underwriting team has decades of personal injury and auto accident experience. We understand which states have one-action rules, which have collateral source restrictions, how UM/UIM stacking works in different jurisdictions, and how to evaluate a case based on the police report, the medical narrative, and the defendant's coverage. That focus translates into faster decisions, better terms, and fewer surprises for you.
We're transparent about this because we have to be: legal funding fees are how we cover our costs and absorb the losses on cases that don't repay. About 10 to 20 percent of funded cases never repay because they lose at trial, settle smaller than projected, or have unexpected complications. The fees on successful cases cover those losses across the portfolio.
We try to price our funding fairly relative to risk, cap fees so they don't compound forever, and decline cases we don't think can support funding. The alternative — predatory pricing, no caps, funding cases we know will fail — is a short-term business model, not a long-term one. We're trying to build the latter.
Collision Funding Group serves clients across the United States, with state-specific licensing and compliance handled wherever required. Some states impose additional regulations on legal funding companies, and we hold the appropriate registrations and licensing in those jurisdictions.
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Our underwriting team includes former personal injury paralegals, claims adjusters, and case managers — people who have spent careers reading medical records and assessing the value of accident claims. Our client services team is U.S.-based and reachable directly. We don't outsource the parts of the job that matter to you.
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Apply online in three minutes, or reach out and we'll walk you through anything you'd like to understand.