Swimming Pool Accident & Drowning Lawsuit Loans
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Nothing compares to a summer day of fun at the pool. But it can be easy to forget that it only takes a moment for a tragic accident to happen. People every day lose their lives in senseless and preventable pool accidents.
In some cases, another party may be found negligent, and the victim’s family may be eligible to pursue monetary damages in a swimming pool accident lawsuit.
If you or someone you love was injured, a swimming pool lawsuit can help you pay medical bills, make up for lost income, and gain some compensation for the emotional pain you’ve endured.
But it can take a long time to see this compensation. That’s when you might consider applying for pre-settlement funding, sometimes referred to as lawsuit loans. Pre-settlement funding is a cash advance that can relieve financial pressure while you wait for your case to end.
Read on to learn more about swimming pool injury lawsuits and pre-settlement funding.
Key Takeaways
- Swimming pool accidents can lead to serious injuries or drowning, often due to unsafe conditions, lack of supervision, or property owner negligence.[3]
- If you were injured in a pool accident or lost a loved one, you may have the right to file a lawsuit and seek compensation.[4]
- Personal injury settlements are often in the tens of thousands of dollars,[6] while wrongful death cases can reach into the millions.[7]
- Swimming pool injury lawsuits can take months or even years to resolve,[8] which can create financial pressure while you wait.
- Pre-settlement funding can provide $500 to $1,000,000 in advance of your expected settlement, often in as little as 24 business hours,* and you only repay if you win.
How Common Are Swimming Pool Accidents and Drownings?
The statistics regarding pool accidents and accidental drownings are staggering, and they expose just how serious the problem is. The Centers for Disease Control and Prevention (CDC) reports that:[1]
- Approximately 11 people lose their lives every day in drowning accidents.
- More children ages 1 to 4 die from drowning than any other cause of death.
- For children ages 5 to 14, drowning is the second leading cause of unintentional injury.
For pools and spas specifically, the U.S. Consumer Product Safety Commission reports that during 2022–2024:[2]
- There were an average of 6,300 nonfatal drowning injuries to children younger than 15 years of age each year that required emergency room visits.
- 73 percent of those involved children younger than 5 years of age.
Not all drownings and pool accidents are fatal, but they can still result in hospitalizations, long recoveries, and severe, lifelong problems. For example, 44 percent of the victims that visited the emergency room for pool or spa injuries were either admitted to the hospital or transferred to another hospital—a much higher rate than other consumer products.[2] Those who survive can sustain traumatic brain injuries and permanent disability.[1]
Common Causes and Locations of Pool Injuries and Drownings
Pool accidents can happen anywhere, anytime, and to anyone. Inability to swim, certain health issues, such as seizure disorders, and alcohol use (which can influence judgment, coordination, and balance) can all increase chances of injury.[3] There are also risk factors that can be the result of another party’s negligence, such as:
- Lack of adequate supervision, which is essential when near a swimming pool with children and others who are more prone to drowning.
- Lack of adequate barriers, such as pool fencing. Children who are unable to swim can easily wander into the area, fall into the pool, and drown.
Poorly maintained pool equipment can also lead to serious injuries. Broken drains, loose ladders, faulty diving boards, or missing drain covers can trap swimmers or cause dangerous falls. Slippery pool decks add to the risk, because wet surfaces make it easy to slip and fall and suffer a head injury or broken bone.
These types of accidents can happen in many different places, including:
- Public swimming pools
- Hotel and resort pools
- Water parks
- Private backyard pools
- Apartment complex pools
- Fitness center or gym pools
- School or community center pools
It only takes seconds for an accident to happen. Depending on the details, the owner of the pool may be found liable in a swimming pool accident lawsuit.
Who Qualifies for Swimming Pool Injury and Drowning Lawsuits?
If you were hurt in a pool accident, you may qualify for a lawsuit if someone else’s negligence caused your injuries. In most personal injury cases, you must prove four things:[4]
- The property owner owed you a duty of care
- They breached that duty
- Their actions caused your injury
- You suffered damages as a result, such as medical bills or lost wages
For example, under what’s called premises liability, pool owners have a responsibility to keep their property reasonably safe for guests and visitors. That can include fixing broken equipment, providing proper supervision, and following local safety rules, such as fencing requirements meant to reduce drowning risks.[5]
If you were harmed because of a property owner’s negligence, you may qualify for a swimming pool injury lawsuit. Medical records, photos of unsafe conditions, witness statements, and expert testimony can all help support your claim. An experienced attorney can review your situation and help you understand whether you have a strong case.
How Much Do Swimming Pool Accident and Death Lawsuits Settle For?
Pool accident and drowning lawsuit settlement amounts depend on how serious the injury or loss is. In general, many personal injury cases settle for $25,000 or less, although one survey found that 16 percent settle for more than $75,000.[6] However, pool accidents tend to result in severe injuries, which means that these settlement amounts could be higher.
When a pool accident leads to wrongful death, settlements can be much higher. Some wrongful death cases settle for millions of dollars, depending on lost income, age, and family impact.[7]
The final settlement amount in your case will depend on several things, such as:
- Severity of injuries or loss of life
- Medical expenses and future care needs
- Lost wages and future earning capacity
- Clear proof that someone else was at fault
- Insurance policy limits of the party responsible
These factors matter because they help show how much your injuries or loss have affected you and what it will cost you now and in the future. Talking with an experienced attorney can help you understand how much compensation you could get.
How Long Do Pool Injury and Death Lawsuits Usually Take?
Swimming pool accident lawsuits may not move quickly. While a majority of respondents in one survey resolved their personal injury claims within two months to a year, 30 percent waited over a year. Overall, the average time was just over 11 months.[6]
Cases that involve death or severe injuries often take longer because they require more investigation and expert testimony. If your attorney must gather a lot of evidence, the process can take years.[7]
That can feel overwhelming when medical bills and everyday expenses don’t stop. While your case moves through the legal process, you still need to keep up with your financial responsibilities. Pre-settlement funding can help.
When a Swimming Pool Accident Lawsuit Loan Might Make Sense
One minute, you’re enjoying a day at the pool. The next, you’re dealing with a serious injury or grieving the loss of someone you love. When a preventable accident happens, your whole life can change overnight.
Now, the medical bills are piling up. You may be out of work. Your household income may have taken a sudden hit. At the same time, your lawyer tells you the case could take months or even years to resolve.
You know you deserve fair compensation. But waiting for a settlement while your expenses grow can feel impossible.
If this sounds familiar, a swimming pool accident lawsuit loan may make sense for you. Pre-settlement funding is a cash advance based on your expected settlement. It can give you money now so you can pay for the things you need while your case moves forward. And because it’s nonrecourse funding, you don’t repay the advance unless you win your case.
Think You Have a Case?
Call us toll-free at (877) USClaims to speak with a friendly funding specialist today.
Who Qualifies for Pre-Settlement Funding?
Whether you qualify is among our most frequently asked questions. If you’re thinking about applying for a swimming pool injury lawsuit loan, you’ll need to meet a few basic requirements:
- You must have an active lawsuit related to the pool injury or drowning. Pre-settlement funding is only available if you have a legal claim.
- You need to be working with an attorney on a contingency basis. That means your lawyer only gets paid if you win your case.[9] Your attorney will also help provide the case details we need to review your application.
- Your case must be strong, with clear evidence that someone else was responsible for the unsafe pool conditions or lack of supervision. In personal injury cases, you generally have to show negligence, meaning the property owner failed to act with reasonable care.
It’s also important to know we don’t base our decision on your credit score. We focus on the strength and potential value of your case.
Process for Obtaining a Swimming Pool Injury or Drowning Lawsuit Loan
If you’re ready to move forward with pre-settlement funding, the process is simple:
- Hire an attorney (if you haven’t already): You must be working with a lawyer on a contingency basis before applying.[9] Your attorney will handle the legal side of your case and communicate with us during the funding review.
- File your lawsuit: Pre-settlement funding is available once you have an active claim related to the swimming pool injury or drowning.
- Apply for funding: You or your attorney can contact us to start the application. We’ll review the details of your case, including liability and expected settlement value.
- Receive your money: If approved, you could receive funds in as little as 24 business hours.* You can use the money to cover medical bills, rent, groceries, or any other expenses while your case moves forward.
- Repay only if you win: If you receive a settlement or verdict, your attorney repays us directly from the proceeds. If you don’t win your case, you owe us nothing.
Benefits of Lawsuit Loans for Swimming Pool Accident Plaintiffs
When you’re dealing with a serious pool injury or the loss of a loved one, financial stress can make a hard situation even worse. A swimming pool injury lawsuit loan can give you breathing room while your case moves forward.
Cover Bills, Medical, and Funeral Expenses
After a pool accident, expenses can stack up fast. You may be facing emergency room bills, ongoing treatment costs, therapy, or even funeral expenses. At the same time, you might be unable to work.
With USClaims, you may qualify for $500 to $1,000,000 in pre-settlement funding, depending on your case. If approved, you could receive money in as little as 24 business hours.* That fast access to cash can help you stay current on rent, utilities, and other essential bills, which may help you avoid late fees, collections, and damage to your credit.
Wait for the Settlement You Deserve
Insurance companies often try to settle quickly and for less than your case may be worth. When money is tight, it’s tempting to accept the first offer just to move on.
Pre-settlement funding gives you the ability to wait. If your case is still in discovery, negotiation, or heading toward trial, having cash in hand can reduce the pressure to settle early. That way, you can hold out for a fair settlement that fully reflects your medical costs, lost income, and pain and suffering.
No Risk If You Lose Your Case
Pre-settlement funding is nonrecourse, which means it’s risk-free for you. You only repay the advance if you win your case. If you don’t receive a settlement or verdict in your favor, you owe us nothing. That can give you peace of mind during an already stressful time.
No Restrictions on How You Use the Money
Once the funds are in your account, they’re yours to use however you need. You can use the funding for rent or mortgage payments, groceries, utilities, car payments, insurance premiums, medical bills, burial costs, childcare, or everyday household expenses. Your situation is unique, and the money is there to support you in whatever way makes the most sense. We don’t limit your spending or ask for receipts.
No Monthly Payments
A lawsuit loan isn’t a traditional loan. You won’t need to make monthly payments while your case is ongoing. Instead, if you win, repayment happens in one lump sum directly from your settlement. If you don’t win, you don’t pay. That structure allows you to focus on your recovery and your family, not another monthly bill.
See How Pre-Settlement Funding Has Helped People Like You
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with USC in the past. USC does not control the content of such reviews.
with USC in the past. USC does not control the content of such reviews.
Where USClaims Provides Funding
We’re proud to provide pre-settlement funding in 45 out of 50 U.S. states. Six states have laws that prevent us from providing funding: Arkansas, Kentucky, Maryland, Montana, West Virginia, and Washington, D.C.
Get the Financial Support You Need During Your Pool Injury or Drowning Case
Losing a loved one due to a deadly pool accident or taking care of someone who sustained tragic injuries due to a near-fatal drowning accident is beyond difficult. Pursuing a swimming pool accident lawsuit can provide you with the closure you need. But you may be left wondering when you’ll actually see compensation.
It’s easy to become frustrated when it takes a long time to receive money from a settlement. However, at USClaims, we are happy to offer pre-settlement funding, which provides you with money upfront. Apply now or call us today at 1-877-USCLAIMS to learn more.
Swimming Pool Accident Lawsuit Loan FAQs
Who can apply for a lawsuit loan after a swimming pool accident?
You can apply for a lawsuit loan if you have an active swimming pool injury or drowning lawsuit and are working with an attorney on a contingency basis. If your child was injured, you can usually file a lawsuit on their behalf as a parent or legal guardian, since minors typically cannot file cases on their own. Once the case is active, you may be eligible to apply for pre-settlement funding.
How long do swimming pool accident lawsuits take to settle?
Most personal injury lawsuits take several months to a few years to resolve, depending on the severity of the injuries and whether the case settles or goes to trial.[6] Cases involving wrongful death or disputed liability may take longer because they require more investigation and expert review.[8]
Can I get pre-settlement funding for a wrongful death drowning lawsuit?
Yes, you may be eligible for pre-settlement funding if you have filed a wrongful death lawsuit related to a drowning accident. As long as you have an active case and strong evidence of negligence, funding may be available to help you cover expenses while you wait for the case to resolve.
Have Questions?
Our pre-settlement funding experts will walk you through our entire process.
Sources
- Centers for Disease Control and Prevention. “Drowning Facts.” https://www.cdc.gov/drowning/data-research/facts/index.html
- U.S. Consumer Product Safety Commission. “Pool or Spa Submersion: Estimated Nonfatal Drowning Injuries and Reported Drownings, 2025 Report.” https://www.cpsc.gov/s3fs-public/Pool-or-Spa-Submersion-Estimated-Nonfatal-Drowning-Injuries-and-Reported-Drownings-2025-Report.pdf
- Centers for Disease Control and Prevention. “Risk Factors for Drowning.” https://www.cdc.gov/drowning/risk-factors/
- Legal Information Institute (Cornell Law School). “Negligence.” https://www.law.cornell.edu/wex/negligence
- Justia.com. “Swimming Pool Accidents Leading to Premises Liability Lawsuits.” https://www.justia.com/injury/premises-liability/swimming-pool-injury/
- Nolo.com “How Much Can I Get for My Personal Injury Case and How Long Will It Take?” https://www.nolo.com/legal-encyclopedia/how-much-can-i-get-for-my-personal-injury-case-and-how-long-will-it-take-new.html
- Findlaw.com. “Wrongful Death Lawsuit Settlements: Averages and Outliers.” https://www.findlaw.com/injury/torts-and-personal-injuries/wrongful-death-lawsuit-settlements-averages-and-outliers.html
- Ben Crump. “How Long Does It Take to Settle Wrongful Death Claims?” https://bencrump.com/wrongful-death-lawyer/how-long-does-it-take-to-settle-wrongful-death-claims/
- Legal Information Institute (Cornell Law School). “Contingent Fee.” https://www.law.cornell.edu/wex/contingent_fee
*Funding subject to approval. We typically fund within 24 business-day hours after we receive a fully-executed contract. Additional restrictions may apply. Contact for details.
**2X CAP may not be applicable for all types of cases and/or jurisdictions.
Disclaimer
Throughout this website, the term “loan” may be used for convenience to describe pre-settlement funding. However, such transactions are not loans in the legal sense. Repayment is strictly contingent upon the successful resolution of your case. If your case is unsuccessful, no repayment is required. Common terms like “lawsuit loan” are used colloquially but misrepresent the nonrecourse nature of pre-settlement funding.
