New York's legal system prioritizes plaintiff protection through strict comparative negligence standards, but these protections don't accelerate settlement timelines. Under New York's comparative negligence law, your recovery is reduced only by your percentage of fault, meaning you can recover even if partially at fault for the accident. However, this legal advantage doesn't speed up insurance companies' payment processes.

Pre-settlement funding bridges this gap. Best Call Funding provides non-recourse cash advances based on your case's expected settlement value, not your credit score or employment status. If your case is unsuccessful, you owe nothing—this non-recourse structure removes the pressure to accept lowball settlement offers just to survive financially.

How Much Funding Can You Receive?

Most New York plaintiffs receive approximately 10% to 15% of their expected settlement value through pre-settlement funding. For example, if your attorney estimates a $100,000 settlement, you could receive $10,000 to $15,000 in funding within 24 to 48 hours of approval. This money covers rent, medical treatment, transportation, and living expenses while your attorney builds the strongest possible case.

How New York's Statute of Limitations Affects Your Timeline

New York General Law Section 213 sets strict deadlines for filing personal injury lawsuits. For most injury cases, you have three years from the date of injury to file suit. Once filed, however, settlement negotiations can take an additional 18 months to three years, depending on case complexity, medical discovery, and insurance company responsiveness.

Understanding this timeline is crucial because many plaintiffs underestimate how long they'll wait for resolution. A moderate car accident case filed quickly might settle in 18 months; a complex medical malpractice case could take five years. During this waiting period, accident victims often deplete savings, accrue credit card debt, and delay necessary medical treatment.

Removing Settlement Pressure Through Funding

Pre-settlement funding eliminates this forced financial compromise. Your attorney can pursue fair compensation without pressure, knowing you have immediate access to funds. This allows for thorough case development—ordering expert reports, conducting depositions, and negotiating from a position of strength rather than desperation.

Financial Reality: Why Plaintiffs Need Funding Support

Many New York personal injury plaintiffs face serious financial strain during litigation. Over 60% deplete their emergency savings within the first year, while medical bills—especially from surgery, therapy, or ongoing care—quickly outpace insurance coverage. Lost wages only intensify the pressure, often pushing plaintiffs toward unfair settlements.

How Best Call Funding’s Application Works

Pre-settlement funding helps cover medical bills and living expenses while your case is pending. The application is simple: submit basic case details and authorize communication with your attorney. Most decisions are made within 1–24 business hours, with attorney response time being the key factor in faster approval.

New York Comparative Negligence: How It Impacts Your Case Value

New York follows a pure comparative negligence system, meaning you can recover compensation even if you’re mostly at fault—your award is simply reduced by your percentage of responsibility. This rule directly affects settlement value and negotiation strategy.

Using Comparative Negligence to Your Advantage

If you’re found 30% at fault in a $100,000 case, you can still recover $70,000. While this protection preserves your right to compensation, it doesn’t shorten the time needed to negotiate a fair settlement. Pre-settlement funding reduces financial pressure, allowing your attorney to refuse low offers and negotiate from a position of strength instead of desperation.

New York's Third-Party Litigation Funding Regulations

New York allows pre-settlement funding under established case law and ethical guidance. The New York State Bar Association permits litigation funding as long as companies are transparent about fees, clearly disclose repayment terms, and do not interfere with settlement decisions.



Importantly, pre-settlement funding is classified as a non-recourse cash advance—not a loan—meaning repayment is only required if the case succeeds. New York courts, including in Donnelly v. Giannelli, have upheld these agreements as lawful and appropriate tools for reducing settlement pressure. Attorneys may ethically recommend funding companies when these standards are met, provided the funder does not influence legal strategy or negotiations.

The Application and Approval Process

Best Call Funding starts with a short online application requiring only basic case information. You don’t need to estimate settlement value or provide detailed injury descriptions—case details are handled directly with your attorney.



After submission, Best Call Funding contacts your attorney to verify case status and collect necessary documents. Most decisions are made within 1–24 business hours once the application is complete. Approved funds are sent quickly, with same-day wire transfers, next-day direct deposits, and most clients receiving funds within 24–48 hours.

Funding Amounts and Fee Structure

Best Call Funding typically advances 10%–15% of your expected settlement, with most plaintiffs receiving around 10%. The exact amount depends on factors like case strength, injury severity, and liability clarity—simple cases may qualify for less, complex cases for more.

Fees are typically calculated on a recurring basis, using either simple or compound structures depending on the contract. There are no upfront or out-of-pocket costs; all fees are disclosed clearly and deducted from the settlement only if the case succeeds. If a case settles for less than expected, your attorney can negotiate a repayment reduction to help protect your final recovery.

Additional Funding for Extended Cases

Some cases extend longer than initially expected, requiring additional funding to cover continued living expenses and medical treatment. Best Call Funding reviews requests for additional funding approximately 30 days after previous advances. If your case timeline extends, you're not locked into a single funding amount—your attorney can request supplemental advances as needed.

Why Legal Representation Is Required

Pre-settlement funding requires an attorney because Best Call Funding coordinates case details directly with your legal team. Your attorney's involvement ensures proper case evaluation, accurate settlement estimates, and protection of your interests throughout the funding process. While not legally mandated, experienced attorneys significantly improve your case outcome through proper development, skilled negotiation, and trial presentation.

Represented plaintiffs in New York typically achieve higher settlements and faster resolution than pro se litigants. Your attorney's involvement also provides Best Call Funding confidence in case merit, accelerating approval decisions.

Choosing a Responsible Litigation Funding Company

Not all litigation funding companies operate at the same professional standard. Reputable providers like Best Call Funding prioritize transparency, clear communication, and client support throughout the process. They avoid high-pressure tactics, unclear fee explanations, and any practices that could confuse or mislead applicants.

Industry Standards and Regulatory Oversight

Best Call Funding holds NMLS certification (Nationwide Multistate Licensing System), a recognized indicator of regulatory compliance and ethical business practices within the financial services industry. This certification demonstrates adherence to state regulations and accountability across the jurisdictions where the company operates.

Established funding companies clearly explain fees, interest rates, and repayment terms in writing and stay completely out of settlement negotiations. They never pressure clients to accept specific settlement amounts. When evaluating any funding provider, ask for clear documentation and straightforward answers—these details should be addressed during the underwriting process before any agreement is finalized.

Moving Forward with Pre-Settlement Funding in New York

Waiting for a settlement while under financial strain can force unfair decisions. Pre-settlement funding provides access to cash based on your case’s value—without relying on credit or employment—so you’re not pressured to settle early.



In New York’s complex legal system, financial stability helps your attorney negotiate for the compensation you deserve. With over 20 years of experience, Best Call Funding supports injury victims through a transparent, efficient process. If you need relief while your case moves forward, contact Best Call Funding at (844) 676-CASH (2274) to explore your options.

Frequently Asked Questions