Legal Funding for Injuries Caused by Defective Products

Defective products cause thousands of injuries in the U.S. each year. The injuries occur despite the efforts of state and federal agencies like the FDA, USDA and other safety offices that research products and issue product warnings and recalls. We interact with a wide range of products that could cause injuries and are potential safety hazards when they do not operate as intended. Automobiles, pharmaceuticals, children’s toys, high chairs, baby cribs and even car seats have caused serious injuries and deaths.

Defective products are oftentimes the result of design defects, which are flaws in the product’s design, even though the product was manufactured perfectly. For instance, a defective automobile design in the Ford Pinto had caused their gas tanks to explode after read-end collisions. Without regard to the cause, if a defective product causes injury, you have a right to compensation. When manufacturers, government oversight, and other businesses fail to meet their obligations in providing safe products, you may have to initiate legal action in order to get a full, fair and just settlement. In most instances, the defective products come from well-financed companies including large manufacturers and distributors. These companies have large amounts of funds, experienced attorneys and investigators to resist claims; these parties have far more resources than the injured victims that attempt to get compensation for their losses and injuries as a result of using their defective or poorly designed product. Many victims accept inferior settlements that do not fully address the extent of their past and future losses because they do not have sufficient financial leverage to wait out the fight.

A deep-pocketed defendant or insurance company is a difficult barrier to recovery in a product liability case. The case can take a long time to develop due to the need for extensive investigation and experts. The process is difficult and can be extremely stressful for the victims.  However, if you have been injured by a defective product, you can get compensation for past medical expenses, future costs, lost wages or business income and pain and suffering.

To qualify for pre-settlement legal funding for your lawsuit, where we provide you with access to money to keep you afloat while your product liability case works its way through the courts or to settlement, you must first have legal representation for your case. You can then submit an application on our website or by phone and our underwriters will evaluate your claim to determine whether you’re eligible or not.

What is California Proposition 213 and How Does it Affect Your Automobile Accident Case Value?

California Proposition 213 is a law that applies to drivers involved in automobile accidents and was passed to prevent operating vehicles without valid car insurance or driving cars that are not insured (meaning you were not insured to drive that particular vehicle). If Prop 213 applies to you, then you cannot recover money damages (even if you were not at fault for the accident) for pain and suffering.

It is a consideration every law firm or attorney makes when evaluating your lawsuit. It is also considered by the insurance adjuster reviewing your claim when they receive a demand from your attorney. Often times, attorneys refer to their clients who are subject to this law as “Prop Clients.”

Prop 213 does NOT apply if:

1. You were a passenger in the car involved in the accident.

2. The vehicle you were driving was covered by insurance.

3. The driver was driving his employer’s vehicle (which was uninsured).

4. The incident occurred on private property.

5. The registered owner of the vehicle lacked insurance, but the driver who borrowed the vehicle had his own insurance on another car. This driver would be fully entitled to recover damages for pain and suffering since he had his own insurance to protect himself.

How California Proposition 213 Affects Your Lawsuit

In the eyes of the law, if you violate California Proposition 213 then you are not entitled to pain and suffering (which is referred to as “general damages” when settling with the insurance company), even where the defendant or other party/driver is deemed at fault, negligent or otherwise liable. General damages can accumulate to a large sum of money, especially in high-impact accidents where victims have severe injuries such as broken bones/fractures, burns, brain injuries and more.

It is possible for lawyers to conceal the fact that Prop 213 applies to their client until after there is an accepted offer, settlement and signed release; at which point, it is too late for the adjuster to renege on their offer. However, insurance adjusters have their own way of finding out whether Prop 213 applies to a particular claimant by running their own searches.

Prop 213 can be harmful to plaintiffs/clients with numerous medical treatments who can only receive compensation for their medical bills. Sometimes, they can receive loss of income as well. However, pain and suffering is completely off limits.

It is recommended to always have valid insurance to protect yourself and receive the compensation you deserve.

Pre-Settlement Cash Funding for Burn Injury Victims

Pre-settlement cash funding is now available to burn injury victims nationwide through High Rise Financial for their pending and ongoing lawsuit. This type of legal funding is not a typical cash advance or  loan as there is no obligation for our clients to reimburse us should they lose their lawsuit.

Burns are assessed by degrees to describe their severity. The worst cases, fourth, fifth and sixth degree burns, may result in amputation or cause permanent damage. In the third degree, a skin graft may repair some damage although this type of burn does involve charred skin. Second-degree burns are less serious, although they still do damage to the deeper layers of skin including the dermis and the deep or reticular dermis, but do cause blisters. In a first-degree burn, although there may be pain, only the epidermis (the first layer of skin) is affected and may have a white film over it or be red in color.

There are a number of different types of burns. People may be most familiar with a heat burn, which often occurs when coming into contact with hot foods or liquids such as cooking oil. Overexposure to UV light in a tanning bed can cause also cause skin burns. A friction burn results in chafing of the skin due to an abrasion. Cleaning solutions, and other substances that require safety protection for use, can cause chemical burns.

People who are not at fault in serious burn accidents and are involved in a lawsuit should contact High Rise Financial today to find out if they are eligible to receive cash while their legal case is in progress. The application is available online and extremely simple to complete. Our approval process is fast and you could be approved for funding in as little as 24 hours after the submission of your application!

We also offer post-settlement funding; meaning, funding after your case has settled but before the insurance company has paid you your verdict or the settlement amount.

Steps in Filing Your Personal Injury Lawsuit

Here is a breakdown, in steps, you will take when filing almost any type of personal injury lawsuit:

1. Hire an attorney.

2. Your attorney’s office will advise you regarding your medical treatment and what doctors you must see for particular injuries. In the meantime, the law firm will obtain insurance information for both you and the defendant driver involved as well as the police report (if available).

3. Once your medical treatment is completed, your medical bills and records will be obtained by your law firm. Also, any medical liens (doctors’ bills that must be repaid upon settlement and are contingent upon settlement) will be in your file at this point.

4. Your attorney will review your entire file, including insurance information, police report, medical bills, medical reports and evaluation of liability when preparing your demand to the insurance company.

5. At that point, the insurance adjuster will begin negotiating with the attorney. The adjuster can also deny or reject the claim or deny coverage for their insured based on information that was not available to your attorney before.

6. Negotiations can take some time depending on the facts of the case and the value of the case. It can take as little as 2 weeks and can last months to even years. Throughout this process, victims may need access to cash in order to support themselves and their families. Applying for legal funding is a great option to get access to money that is desperately needed in advance of a settlement for your claim.

7. If a reasonable offer is on the table but the facts do not warrant filing a lawsuit, your attorney may recommend accepting the settlement. The only leverage an attorney has against an adjuster is the threat of a lawsuit or serious legal recourse – so, there is no way to force an adjuster to increase their offer without new facts otherwise.

8. If a reasonable or fair settlement is not achievable, and your case warrants it, your attorney may recommend filing a lawsuit. This will increase the costs and fees involved. For this reason, this option is generally not recommended in most personal injury cases.

Auto Accident With a Child In The Vehicle

Being involved in an auto accident while a child is in the vehicle can be especially traumatic for everyone. If the driver, the child or any other passengers sustain injuries from the crash, a lawsuit may need to be filed to cover expenses related to medical bills, rehabilitative care, property damage and the recovery of other losses. Pre-settlement funding can provide money that is needed to cover these expenses while you await compensation payments from your lawsuit or claim against the insurance company. All that is necessary is that you have legal representation by an attorney.

What to Do When Involved in an Auto Accident with a Child

Emergency responders should always be called in the immediate aftermath of an accident if the accident resulted in any bodily injury or harm. Turning on the vehicle’s flashers and setting up any available cones near the vehicle will facilitate the emergency responder’s ability to locate the site of the accident. Attempting to move an injured child before professional assistance arrives could result in further injuries.

Cuts and bruises, along with head injuries, are common among children who are involved in car accidents. A car’s seatbelt can also cause bruising to the ribs, shoulders and stomach. Minor scrapes, lacerations and muscles strains are also common.

Children who are younger may find it difficult to verbally express any pain that they may be feeling. It is important to schedule an appointment with a pediatrician or visit the emergency room to have the child medically evaluated. Not all symptoms of serious bodily injury are noticeable right away, but adults should be on the lookout for potentially alarming symptoms in children, such as:

  • Continuous crying
  • Changes in sleep habits
  • Nausea and vomiting
  • Inconsolable outbursts
  • Behavior changes
  • Lack of interest in playing or eating

Following the Accident

Even if the car seat that the child was sitting in appears undamaged, a new car seat should be purchased. Car seat damage is not always easily visible and any underlying damage could make the car seat unsafe for a child. Daycare workers and school teachers should be notified that the child was recently involved in a car accident so that they can watch for any symptoms that may indicate a medical problem.

Child Safety Tips

Accidents are not always preventable, but there are some things that drivers can do to keep children safe. Although there have been technological advances to keep drivers and children safe in vehicles, these innovations are not always foolproof. Choosing a car seat that is age-appropriate is one of the best ways to protect a young passenger from bodily harm. The following car seat style and age recommendations are recommended:

  • Rear-facing car seat – Birth to 12 months
  • Forward-facing car seat – 12 months to 3 years
  • Booster seat – 4 to 7 years
  • Seat belt back seat – 8 to 12 years

Getting into a car accident can be a traumatic experience for drivers and passengers, including children. Legal funding can help provide the necessary advance of money to cover important medical bills or other expenses while awaiting the full lawsuit settlement amount to be awarded.

When Can You Apply for Lawsuit Funding

You can apply for legal funding at almost any stage of a personal injury lawsuit:

1. When your claim has been filed with the insurance company.

2. When your demand has been submitted by your lawyer to the insurance company.

3. When your medical bills and records are accessible and can be properly evaluated.

4. When your case is in pre-litigation (meaning, a complaint has not been filed against the insurance company yet).

5. When your attorney has filed a lawsuit but your case is in the early stages of discovery and litigation.

6. When your case has settled before trial but the insurance company has failed to pay the settlement amount in a timely manner.

7. When your case has gone to trial and you have a verdict in your favor and the insurance company has still not paid out your claim.

8. After your medical treatment and property damage repairs but before litigation.

What to Expect If Your Personal Injury Lawsuit Goes to Trial

Even though the vast majority of lawsuits settle before trial, going to trial might be necessary to get you the compensation that you deserve. With the help of pre-settlement lawsuit funding, you can have the cash you need to bring your case to court in an effective way. And, if your case does go to court, here’s what to expect:

Choosing the Jury

Oftentimes, it’s a jury and not a judge that decides the outcome of your personal injury lawsuit. Your trial begins with the process of choosing people to be on the jury. Using a process called voir dire, you can ask potential jurors questions to make sure that they’re impartial and qualified.

Making an Opening Statement

Before trial begins, you will deliver an opening statement, where you give the jury a summary of the case. Each side has a chance to tell the jury what the evidence is going to show and you can describe your theory.

Questioning Witnesses and Submitting Evidence

Next, it’s time to present your case. You can call witnesses to testify on your behalf and you can even take the witness stand yourself. Photographs, videos, documents and animations all come into play at this stage of the trial. Lawsuit funding can help you secure the resources that you need to hire expert witnesses to help the jury understand your side of the story.

Summarizing the Case

After both sides present their evidence, you have an opportunity to summarize the case for the jury. In your closing argument, you review the evidence once again with the jury and hope that they draw favorable conclusions and decide the lawsuit in your favor.

Waiting for a Verdict

Next, it’s time to wait for the jury’s verdict. The judge gives the jury instructions about the law and they make a decision, which can be quick or possibly take several days.

Recovery After the Verdict

When the jury reaches a verdict, they come back to courtroom to announce it. If you have a favorable verdict you can then collect your judgment. With legal funding, you don’t need to wait until this point to have access to a portion of your potential settlement. Right after you apply for legal funding, our team will analyze the facts of your case and can offer you cash well in advance of your lawsuit settlement to help bring your case from start to finish.

Contact High Rise Financial at (866) 407-6404 or apply online. You can apply at any point of your case, even if the case is already in litigation. You may also qualify for post-settlement funding, which is beneficial when there are delays between a verdict and a payout by the insurance company.

The Benefits of Post-Settlement Lawsuit Funding

Many personal injury plaintiffs are surprised to find out that they do not receive their settlement funds as soon as their case is finalized. In fact, it can take months for an insurance company to actually disperse the funds. Post-settlement lawsuit funding makes it possible for plaintiffs to meet their monthly financial obligations while waiting for their settlement check.

Lawsuit funding is not technically considered a cash advance or a loan. However, it is a way for a plaintiff to receive a portion of their settlement proceeds now instead of waiting to receive a check from the insurance company. Most of our clients use the funds to cover rent, car payments, groceries and other living expenses.

Alleviate Financial Stress While You’re Waiting for Your Settlement Funds

Individuals injured as the result of another party’s negligence have already undergone significant physical and emotional trauma. Medical bills, lost wages and legal expenses can also take a terrible financial toll that can leave the victim on the verge of bankruptcy. In most cases, plaintiffs have spent years seeking justice and should not be victimized further by having to wait for potentially months to receive their settlement once their personal injury case is finalized.

High Rise Financial is dedicated to helping injured individuals regain their financial footing by providing hassle-free legal funding. With us, there are no lengthy applications or income/credit checks. The entire process is transparent and clients never have to worry about hidden fees or charges. In most cases, funding is approved within hours and the client can have access to cash within 24 hours. High Rise Financial has provided cash to clients in a wide range of personal injury cases ranging from auto accidents and motorcycle accidents to dog bites and even wrongful death. Financial relief is just a short phone call away. Call (866) 407-6404 for more information or simply apply online.

Lawsuit Funding For Cases Involving a Minor

It is not unusual for a parent to contact a lawsuit funding company on behalf of an injured minor child. The parents are typically seeking pre-settlement funding to help cover medical expenses for a child who has been injured in an accident or through medical negligence. Unfortunately, funding is not normally available in this type of situation. Most states consider any contract made by a minor void or unenforceable. This means that most pre-settlement funding companies are reluctant to provide funding to minors, and insurance companies are unlikely to honor funding agreements involving minors.

In rare cases, funding may be available if the parent was injured in the same accident and is a part of the same personal injury claim. In this instance, the parent may be eligible for funding based on their injuries and damages. Even if the parent is able to demonstrate that they suffered substantial damages in their own right, funding companies and insurance companies may still refuse to get involved if a minor is part of the case in any way.

What Is Legal Funding?

Legal funding is a non-recourse transaction in which the funding company provides cash to an injured individual based on their anticipated settlement in a personal injury claim. Since the funds are only repaid if the plaintiff recovers a settlement, it is not considered a cash advance or a loan.

How Settlements Are Handled in Cases Involving Minors

Courts want to ensure that any settlement is used for the benefit of the child. This is usually done through a structured settlement, such as an annuity or periodic payments into a restricted account. Both the child and the parents have little say in how the payments are structured, and the court dictates how the funds can be spent. This ensures that the income is tax-free and accrues interest at a fixed rate of return. The money is also protected from creditors, judgments, and even unscrupulous family members until the child turns 18.

For more information about legal funding, contact a High Rise Financial funding specialist today or submit your online application to see if you qualify.

Railroad Employees Can Obtain Cash Funding in Advance of Their FELA Lawsuit Settlement

Trains are a common and popular form of commercial and passenger transportation. In the United States, trains log an estimated 1.5 million miles on a daily basis. Unfortunately, trains also account for numerous injuries and deaths each year affecting railroad employees as well as passengers, pedestrians, and drivers. Injured individuals have the legal right to seek compensation through a personal injury lawsuit or the Federal Employers Liability Act. Medical bills, extended time off work for recovery and rehabilitation, and the cost of pursuing a legal claim can put an enormous financial strain on the accident victim and their family. High Rise Financial is a pre-settlement funding company that is dedicated to helping accident victims alleviate their financial stress.

Legal Options Following a Train Accident

Railroad employees who are injured on the job are covered under the Federal Employers Liability Act. The law, which was enacted in 1908, allows employees whose injuries are the result of negligence on the part of their employer to sue for damages. Injured individuals who are not railroad employees typically file a personal injury claim against the railroad company and its employees along with the manufacturer of any defective equipment. In order to successfully prove negligence, the injured party should immediately contact an attorney who can go about collecting and preserving all physical evidence and witness testimony related to the accident.

Why Contact High Rise Financial Legal Funding?

High Rise Financial provides financing to plaintiffs in a wide range of railroad-related accidents, including collisions, derailments, and on-the-job injuries. Legal funding is a financial safety net that allows the injured party to pay their monthly bills while they wait for their injury claim to finalize. The cash is not a loan or cash advance. Unlike a traditional loan, there are no monthly payments until the injury case is settled. If the plaintiff does not recover a settlement, they make no payments at all. In other words, funding from High Rise Financial is completely risk-free.

Qualifying for Settlement Funding

Most railroad accident victims who have retained legal representation to pursue an injury claim are automatically qualified for funding through High Rise Financial. All that is needed to apply is an attorney’s contact information. We handle the rest. There are no complicated forms or background or credit checks involved, and the approval can be completed in as little as 24 hours. We never charge application fees or other upfront charges. Repayment is also easy since it comes out of the proceeds of the settlement.

Accident victims should not have to wait for years to receive compensation for their injuries. Call (866) 407-6404 today to speak with a funding specialist.