California sees hundreds of thousands of car accidents every year. Whether you were rear-ended on the 405, T-boned at an intersection in San Francisco, or hit by a distracted driver in Sacramento, the aftermath is rarely simple. Insurance companies have teams of adjusters and lawyers working to minimize what they pay you, and your case can drag on for months or even years.

How California Car Accident Claims Work

California is an "at-fault" state, which means the driver who caused the accident is responsible for paying damages. After a car accident, you typically file a claim with the at-fault driver's insurance company. But here's the catch—insurance companies are businesses focused on protecting their bottom line, not on making sure you're fairly compensated.

The claims process typically begins with filing a claim that includes accident details, reports, and medical records. The insurance company investigates, then makes an initial low offer. Your attorney negotiates, often over several months. While most cases settle out of court, your lawyer may file a lawsuit if fair compensation isn’t offered, extending the timeline further.

Why Car Accident Cases Take So Long

Medical treatment must reach maximum medical improvement before your attorney can accurately assess the full value of your claim. Evidence gathering takes time, including obtaining police reports, medical records, expert opinions, and accident reconstruction analysis. Insurance companies delay intentionally, knowing that financially desperate accident victims are more likely to accept lowball settlements. Court schedules are backed up, especially in busy California courts. During all this time, you're stuck waiting—and your bills aren't waiting with you.

The Financial Strain of Waiting for Your Car Accident Settlement

A car accident can leave you injured, unable to work, and buried in bills. Lost income and mounting medical costs—ER visits, surgeries, therapy, and prescriptions—quickly create hardship, especially in California’s high-cost cities like San Francisco or Los Angeles. Insurance companies exploit this stress, offering low settlements in hopes you’ll accept out of desperation. Pre-settlement funding helps you stay financially stable so you can wait for the full compensation you deserve.

How Pre-Case Funding Works for California Car Accidents

Pre-case funding—also called pre-settlement funding or a lawsuit cash advance—provides you with money now, while your car accident case is still pending. It's not a loan in the traditional sense because you don't make monthly payments, and your credit doesn't matter.

The Pre-Case Funding Process

Here's how getting funding for your California car accident lawsuit works with Best Call Funding:

You apply by filling out our quick online application or calling (844) 676-2274. We'll need basic information about you and your attorney.

We evaluate your case by working directly with your attorney to understand the accident details, liability, injury severity, insurance coverage available, and expected settlement value.

You get approved based on the strength of your case—not your credit score, employment status, or financial history. We provide an update within 24 business hours of receiving your application.

Funds are delivered typically within 24 to 48 hours after approval. You receive money via direct deposit or check, and you can use it for whatever expenses you need to cover.

Repayment happens only if you win. When your case settles or you win at trial, the advance and agreed-upon fees are repaid from your settlement proceeds. If your case doesn't succeed, you owe us nothing—that's what "non-recourse" funding means.

How Much Can You Get?

The funding amount depends on several factors: Was fault clearly established? Do you have strong evidence like police reports or witness statements? More serious injuries resulting in significant medical treatment generally support higher funding amounts. The at-fault driver's insurance policy limits affect potential settlement value. Cases further along in the legal process with documented damages may qualify for higher advances. Most car accident funding ranges from $500 to $100,000 or more, depending on these factors and your financial needs.

Strategies for Maximizing Your Car Accident Settlement

Pre-case funding doesn't just provide immediate financial relief—it's a strategic tool that can significantly increase your final settlement amount.

Reject Lowball Initial Offers

Insurance companies routinely make initial settlement offers that are 20-50% of what a claim is actually worth. With pre-settlement funding covering your immediate expenses, you can afford to reject these insulting offers and let your attorney negotiate properly. Real-world example: An insurance company offers $20,000 to settle your case quickly. Your attorney believes the case is worth $75,000. With funding covering your bills, you reject the $20,000 and eventually settle for $68,000—more than triple the initial offer.

Complete All Medical Treatment

Settling before you've completed treatment almost always results in leaving money on the table. Pre-settlement funding allows you to finish your medical treatment without financial pressure to settle prematurely, ensuring your settlement reflects your complete damages.

Give Your Attorney Time to Build a Strong Case

Building a compelling car accident case takes time. Your attorney needs to gather medical records, obtain expert opinions, possibly conduct accident reconstruction, and document all economic losses. Funding gives your attorney the time needed to build the strongest possible case.

Be Willing to Go to Trial If Necessary

Insurance companies often increase settlement offers substantially as a trial date approaches because trials are expensive and risky for them. With funding removing financial pressure, you and your attorney can credibly threaten trial, which often results in significantly better settlement offers.

Why California Car Accident Victims Choose Best Call Funding

When you're pursuing a car accident lawsuit in California, you need a funding partner who understands the state’s legal system and truly cares about securing fair compensation. With over 20 years of combined experience, our team knows California’s fault-based insurance process, typical settlement values, and works closely with attorneys statewide.



Best Call Funding is NMLS-certified, ensuring ethical and transparent service. You’ll receive an update within 24 hours of applying, and most clients get funds within 24–48 hours after approval—no application, processing, or upfront fees, ever.

Take the Next Step Toward Financial Stability

If you're struggling financially while waiting for your California car accident lawsuit to settle, pre-settlement funding from Best Call Funding can provide the relief you need. Don't let financial pressure force you into accepting a settlement far below what you deserve.

Apply online 24/7 through our secure application, or call (844) 676-CASH (2274) to speak with a funding specialist. We'll review your case quickly and provide an update within 24 business hours. Most approved clients receive funding within 24 to 48 hours, giving you immediate financial breathing room to focus on recovery and let your attorney fight for maximum compensation.

Frequently Asked Questions