Truck Accident Lawsuit Loans
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According to data released by the National Highway Traffic Safety Administration, there were more than 950 truck accident-related fatalities and nearly 42,000 truck accident-related injuries in 2023[1]. These avoidable accidents often cause victims to suffer from pain and financial hardship.
If you’ve been involved in an accident where the truck driver was at fault, you might have filed a personal injury lawsuit to recoup your losses. But as you wait for your case to resolve, bills don’t stop. Covering medical procedures, car repairs, and day-to-day expenses can be difficult.
That’s where pre-settlement funding, also referred to as a “truck accident lawsuit loan,” may be able to help.
At USClaims, we can help you get the funding you need to cover your expenses while your truck accident case takes time to settle in court. Contact USClaims to learn how we can help you get truck accident lawsuit funding.
Key Takeaways
- A truck accident can change your life forever, potentially resulting in severe injuries, an inability to work, and financial hardship.
- If another party was at fault, you may be able to get the compensation you deserve by filing a truck accident lawsuit.
- Your lawsuit may become stuck in the legal process for months or years, potentially making a difficult financial situation even worse.
- Pre-settlement funding, also known as a truck accident loan, can give you the money you need to cover your expenses while you wait for your case to end.
- With pre-settlement funding, you only need to repay the advance if you win your case.
Common Causes of Truck Accidents
Due to the size and weight, a truck accident is often much more dangerous than the average car accident and can cause more destruction. Unsafe road conditions, poor weather conditions, and other factors outside a driver’s control are unavoidable, but many truck accident-related deaths and injuries result from negligence and are completely avoidable.
Common causes[2] of a truck accident may include, but aren’t limited to:
- Drowsy driving
- Driving while under the influence of drugs or alcohol
- Speeding
- Reckless driving
- Aggressive driving
- Distracted driving due to phone use, in-cab entertainment, eating, etc.
- Unsafe passing
- Wrong-way driving
- Tailgating
- Vehicle defects (either from the manufacturer or due to a lack of maintenance)
- Inexperienced driver
- Tire blowout
- Brake failure
- Non-functional lights
- Oversized load or unbalanced load
- Improper turning
If you’ve been in a truck accident, you may want to consult with a lawyer about filing a truck accident lawsuit. You may be eligible for compensation for your pain and suffering, medical bills, lost wages, and other related costs.
Types of Truck Accident Cases We Fund
You’ve already contacted a lawyer, and your case is underway. But these cases can take time to resolve, and you may be quickly running out of money to meet your living expenses. USClaims understands how difficult this time can be, and we may be able to help.
Some of the common types of truck accident cases we provide pre-settlement funding for include:
- Semi-truck accident
- 18-wheeler accident
- Jackknife accident
- Truck rollover accident
- Tractor-trailer accident
Contact us to share your story and learn if a truck accident loan could be right for you.
Think You Have a Case?
Call us toll-free at (877) USClaims to speak with a friendly funding specialist today.
How Much Are Most Truck Accident Settlements?
The average truck accident settlement is just over $100,000. However, your payout could be significantly less or get into the multi-million-dollar range, depending on the details of the incident[3]. We’ll look at the factors that influence settlement amounts below.
Factors That Determine Settlement Amount
Many case elements go into determining a truck accident settlement amount [3], including, but not limited to:
- Severity of injuries. For instance, if you sustain a spinal cord injury, your settlement will likely be higher than if your arm were broken.
- Medical bills. In general, the higher your medical care costs, the higher your settlement.
- Lost wages. You can usually expect a higher settlement if your accident-related injuries make it impossible for you to work.
Property damage. If your car or other property got damaged in the accident, the cost to repair or replace it could be added to your settlement amount. - Pain and suffering. If you experience tremendous physical pain or mental anguish as a result of the accident, your settlement may be higher to compensate you for your suffering.
- The responsible party. For example, if a driver employed by a trucking company is completely at fault, your payout will likely be higher.
- State law and insurance limitations. Your state and the insurance policy covering the accident can both cap the settlement amount you receive.
Your attorney can help you calculate an expected settlement amount based on the circumstances of your case.
When a Truck Accident Lawsuit Loan Might Be Worth It
A truck accident loan, sometimes referred to as pre-settlement funding, may be right for you if you:
- Are unable to work because of your injury.
- Are running out of savings fast.
- Don’t want to resort to using credit cards or other expensive debt to make ends meet.
- Worry that your case will take a long time to resolve, making an already difficult financial situation even more challenging.
If the above criteria sound familiar, contact us to learn more about the pre-settlement funding we provide for truck accident lawsuits.
Who Qualifies for Pre-Settlement Funding After a Truck Accident?
You may qualify for a truck accident lawsuit loan if you:
- Were seriously injured in the incident.
- Filed a lawsuit against the responsible party.
- Have a strong case against the defendant.
- Are working with an attorney on a contingency basis (which means their payment is tied to the results they get for you in court).
If you meet all the above criteria, chances are you qualify for pre-settlement funding.
Don’t worry if your credit score is subpar. Approval for pre-settlement funding depends mostly on the strength of your case.
Truck Accident Lawsuit Loan Process
The pre-settlement funding process may feel overwhelming, but it doesn’t have to be complicated. Here are the steps you need to take:
- Hire an attorney. To qualify for a truck accident lawsuit loan, you must work with a lawyer on a contingency basis. Your lawyer can also help you navigate the legal system and advocate for you.
- File a personal injury claim. Your attorney can help you gather the required information and documentation, as well as complete the appropriate paperwork.
- Apply for pre-settlement funding. Your lawyer works directly with USClaims to provide us with relevant information and eventually complete this step.
- Receive your funds. The money could hit your bank account in as little as 24 business-day hours.*
- Repayment. If you win your case, your attorney pays us back in a lump sum from the settlement proceeds.
Because truck accident loans are pre-settlement funding and not loans in the traditional sense, they are nonrecourse. That means if you don’t win your case, you don’t have to pay us back.
Benefits of Getting Truck Accident Pre-Settlement Funding
There are many benefits to getting a truck accident lawsuit loan. Here are some of the most notable perks:
Pay Your Bills on Time
If you’re unable to work due to accident-related injuries, the bills may pile up fast. A truck accident loan can give you the money you need (from $500 to $1,000,000, depending on your case) to pay your creditors on time. That way, you won’t have to take on costly debt or experience a credit score drop.
Don’t Have to Settle for a Low-Ball Offer
Financial stress can make it tempting to accept an insultingly low settlement offer just to get some money flowing to you. When you secure pre-settlement funding, you have the cash you need to stay afloat – even if your case takes a while to resolve. With some money in the bank, you’re empowered to wait for a fair deal.
Only Repay Us if You Win Your Case
There’s no risk of getting pre-settlement funding. It’s a nonrecourse loan, which means you don’t have to repay us if you don’t win your case.
Use the Funds on Anything
We don’t restrict how you use the money from your truck accident loan. Once the funds hit your bank account, they’re yours to do with as you see fit.
Many plaintiffs use pre-settlement funding to cover their:
- Rent or mortgage
- Utility bills
- Car payments
- Insurance premiums
- Groceries
- Medical expenses
- Transportation costs
No Monthly Payments
A lawsuit loan isn’t a traditional loan, so you don’t need to make monthly payments. Instead, you’ll repay us with a lump sum from the proceeds of your settlement (if you win your case).
See How Truck Accident Lawsuit Loans Have Helped People Like You
The reviews are submitted by third parties that have conducted business
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 currently provide funding in 45 out of 50 states. Unfortunately, due to state laws, we’re unable to help plaintiffs in Arkansas, Kentucky, Maryland, Montana, West Virginia, and Washington, D.C.
Contact USClaims for a Truck Accident Pre-Settlement Funding Today
We offer pre-settlement funding to plaintiffs with strong truck accident cases. USClaims only gets paid if a case is won or has reached a settlement! Plus, thanks to our 2X Cap, you won’t have to repay more than twice the truck accident loan amount, allowing you to keep more of the compensation you deserve.**
Apply now or call us today at 1-877-USCLAIMS to learn more.
Truck Accident Lawsuit Loan FAQs
How do you pay your bills after a truck accident?
You may be able to use savings to pay your bills after a truck accident. However, if you don’t have enough money in the bank, pre-settlement funding could help you cover your expenses while you wait for your case to end.
How much can I get from a truck accident?
The amount of money you can get from a truck accident lawsuit depends on several factors, such as the severity of your injuries, the amount of lost wages (if applicable), the extent of your pain and suffering, and more. You may be entitled to up to seven figures in damages if your case is particularly severe.[3]
When should I get an attorney for a truck accident?
You should get an attorney for a truck accident as soon as possible. Your lawyer can help you file a claim and apply for pre-settlement funding.
Is there financial help for truck accident victims?
Yes, there is financial help for truck accident victims. Pre-settlement funding can help you stay afloat while you wait for a court to award you damages.
Have Questions?
Our pre-settlement funding experts will walk you through our entire process.
Sources
National Highway Traffic Safety Administration. “Overview of Motor Vehicle Traffic Crashes In 2023.” Apr. 2025. https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/813705
American Judicial System. “The Common Causes of Truck Accidents and How to Prove Liability.” Gates, Edward. 11 Mar. 2025. https://www.ajs.org/the-common-causes-of-truck-accidents-and-how-to-prove-liability/
Phillips Law Offices. “How Much Are Most Truck Accident Settlements?” 13 Aug. 2025. https://phillipslawoffices.com/how-much-are-most-truck-accident-settlements/
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.
*Funding subject to approval. We typically fund within 24 business-day hours after we receive a fully-executed contract. Additional restrictions may apply.
**2X CAP may not be applicable for all types of cases and/or jurisdictions.
