My PIP coverage ran out fast after my accident in Miami, and I still had months of treatment ahead. Diamondback got me $13,000 in just over a day, right when I needed it to bridge the gap before my liability claim could move forward.
Pre-Settlement Funding · Available Nationwide
Florida Pre-Settlement Funding:
Get Cash Now,
While Your Case Wins
Florida's 2023 tort reform shortened deadlines and tightened fault rules — making it more important than ever to avoid a rushed settlement. Diamondback Funding provides risk-free pre-settlement funding to Florida plaintiffs — no credit check, no monthly payments, zero repayment if your case doesn't succeed.
24–48hrsTypical funding time
$0If you don't win
$100KMaximum advance
Trusted by hundreds of personal injury plaintiffs across the US
Apply for Funding
Free · No credit check · 2 minutes
By submitting, you agree to our Terms and Privacy Policy. No obligation to accept funding.
Non-Recourse Funding
Decisions in Hours
No Monthly Payments
No Credit Check Required
Zero Repayment if You Lose
What Changed in 2023
How Florida's HB 837 Tort Reform Affects Your Case
In March 2023, Florida enacted House Bill 837, one of the most significant tort reform packages in the state's history. If your injury occurred after the bill took effect, two changes matter directly to your case and to how much pre-settlement funding it may qualify for.
What HB 837 changed: Florida's statute of limitations for most negligence claims dropped from four years to two years. And Florida moved from pure comparative negligence to modified comparative negligence — if you're found more than 50% at fault for your own injury, you can no longer recover anything at all. Below that threshold, your damages are still reduced proportionally to your share of fault.
These changes mean Florida cases now move on a tighter clock, and liability disputes carry higher stakes than they did before 2023. A case that would have still been valid under the old four-year window may now be barred — which is exactly why funding companies check filing dates carefully before evaluating a Florida claim.
Florida personal injury cases still typically take 18 to 30 months to resolve even under the new framework, during which medical bills, lost income, and basic living expenses don't pause for the litigation timeline.
Florida's No-Fault Auto Insurance System
Florida requires drivers to carry Personal Injury Protection (PIP) coverage, which pays initial medical costs and lost income regardless of fault — up to $10,000 in most cases. Once PIP is exhausted, or if your injury meets Florida's "permanent injury threshold," a liability claim against the at-fault driver becomes available. That's typically the point at which pre-settlement funding becomes relevant for a Florida car accident case.
Simple & Transparent Process
From Application to Cash in 5 Steps
Apply Online
Complete our 2-minute form or call our team directly. Basic case information only at this stage.
Attorney Review
We contact your attorney to evaluate liability, injury severity, and estimated settlement value.
Fast Decision
Our underwriters assess your case and return a funding decision — typically within hours.
Clear Agreement
We present a transparent agreement with all fees and repayment terms — no hidden costs.
Funds Delivered
Money arrives via wire transfer or overnight check within 24–48 hours of signing.
Start My Application — It's Free
No obligation. No credit check. Takes 2 minutes.
Free Funding Estimator
How Much Could You Receive?
Adjust the sliders below to get an instant estimate based on your case profile. All figures are illustrative — actual amounts depend on case evaluation.
Estimated Advance
$12,500
suggested range
If You Win
$15,250
advance + funding fee
If You Lose
$0
non-recourse — owe nothing
$250,000
$25K$1M+
Strong
DisputedClear-cut
$25,000
$1K$200K
18 months
6 mo4 yrs
Advance rate
5%
of settlement value
Funding fee
$2,750
paid only if you win
Your net settlement
$234,750
after repayment
Funding timeline
24–48 hrs
from approval
Illustrative only. Actual advance amounts are determined after full case review with your attorney. Non-recourse: zero repayment if your case is lost.
Apply for My Actual Quote →Eligibility
Do You Qualify for Florida Pre-Settlement Funding?
Most plaintiffs with an active lawsuit filed in Florida and legal representation are eligible. Approval is based on your case, not your credit history.
Active Florida Lawsuit
You must have a personal injury or civil lawsuit filed within Florida's current statute of limitations.
Attorney on Contingency
Your attorney must acknowledge the funding agreement and confirm case details, as required under Florida's funding disclosure statute.
Under the 50% Fault Threshold
Because Florida bars recovery above 50% fault post-HB 837, the strength of your liability evidence directly affects eligibility and funding amount.
Documented Damages
Medical records, lost wage documentation, or other evidence of loss support a stronger funding amount.
PIP Exhausted or Threshold Met
For auto cases, your claim typically becomes fundable once PIP coverage is exhausted or your injury meets Florida's permanent injury threshold.
Age 18 or Older
Applicants must be at least 18 years of age. Parents or guardians may apply on behalf of injured minors in some cases.
Not sure if you qualify?
Call our team for a free, no-obligation eligibility review. We'll give you an honest answer in minutes.
Flexible Use of Funds
What Can You Use Florida Funding For?
There are no restrictions on how you use your pre-settlement funding. With over 4 million traffic tickets issued in Florida annually and one of the highest crash rates in the country, many of our Florida clients are car accident plaintiffs covering the gap left once PIP coverage runs out.
Funding amounts in Florida typically reach up to 20% of the anticipated settlement, depending on how strong the liability evidence is under the state's modified comparative negligence rule.
Medical bills beyond what PIP coverage pays
Lost wages beyond the 60% PIP income replacement cap
Rent or mortgage payments, utilities, groceries, and other household expenses
Physical therapy and rehabilitation not covered by insurance
Transportation, childcare, and other everyday needs
| Expense Type | Covered? |
|---|---|
| Medical bills beyond PIP | ✓ Yes |
| Surgery & specialist care | ✓ Yes |
| Physical & occupational therapy | ✓ Yes |
| Prescription medications | ✓ Yes |
| Lost wages / income gap | ✓ Yes |
| Rent, mortgage, utilities | ✓ Yes |
| Groceries & daily expenses | ✓ Yes |
| Transportation to appointments | ✓ Yes |
| Childcare | ✓ Yes |
| Any other personal expense | ✓ Yes |
Why Choose Us
Not All Pre-Settlement Funding Companies Are Equal
Pre-settlement funding is an unregulated industry in many states. The wrong company can lock you into excessive fees and compound interest. Here is how Diamondback Funding compares.
| Feature | Diamondback Funding | Typical Competitor |
|---|---|---|
| Credit check required | ✓ Never | ✓ Usually not |
| Monthly payments during case | ✓ None | ✓ None |
| Repayment if you lose | ✓ Zero | ✓ Zero |
| Interest structure | ✓ Simple, flat fee | ✗ Often compounding |
| Transparent fee structure upfront | ✓ Always | ✗ Varies |
| Dedicated case manager | ✓ Yes | ✗ Rarely |
| Funding timeline | 24–48 hours | 3–7 days typical |
| Maximum advance | Up to $100,000 | Often capped lower |
Client Testimonials
Real Stories from Real Plaintiffs
After HB 837 shortened the filing deadline, my attorney made sure we moved fast — but the case still took over a year. Between bills and missing income, I was drowning. Diamondback's process was transparent and I knew exactly what I'd repay.
The insurer tried to argue I was close to the 50% fault line just to lowball me. With Diamondback's funding, I didn't have to panic about rent while my attorney fought that characterization. The jury found the other driver far more at fault than they claimed.
In-Depth Guide
Florida Pre-Settlement Funding: Navigating Life After HB 837
Florida's legal landscape for injury plaintiffs changed meaningfully in March 2023 with the passage of House Bill 837, and any Florida plaintiff evaluating pre-settlement funding today should understand exactly what shifted and why it matters for case strategy.
The Statute of Limitations Cut in Half
Before HB 837, Florida gave injured plaintiffs four years to file most negligence claims. That window is now two years for cases arising after the bill's effective date. This is one of the first things any funding company checks when reviewing a Florida case — a claim filed outside the statute of limitations has no enforceable settlement value to advance against, regardless of how strong the underlying facts are.
From Pure to Modified Comparative Negligence
Florida also moved from a pure comparative negligence system, where plaintiffs could recover damages no matter their percentage of fault, to a modified comparative negligence standard under Florida Statute §768.81. Now, if you're found more than 50% responsible for your own injury, you recover nothing. At or below 50%, your damages are reduced proportionally — a $100,000 award becomes $70,000 if you're found 30% at fault, for example.
This change raises the stakes around liability evidence in every Florida case. A funding company will weigh how close to the 50% line a case might land, since that threshold can be the difference between a fundable claim and one that isn't.
Florida's No-Fault Auto Insurance System
Separate from HB 837, Florida has long required drivers to carry Personal Injury Protection coverage, which pays initial medical costs and a portion of lost income after a car accident regardless of fault — generally up to $10,000. Severe or permanent injuries can open the door to a liability lawsuit against the at-fault driver once PIP is exhausted, which is the point at which a car accident lawsuit loan typically becomes relevant for Florida plaintiffs.
Funding Regulation in Florida
Florida is among roughly twenty states with specific statutes governing pre-settlement funding. Florida Statute 501.961 requires funding companies to provide written contracts and clear fee disclosures, and the Florida Office of Financial Regulation handles complaints related to funding agreements. Diamondback Funding structures every Florida agreement to meet these disclosure standards as a baseline.
Common Case Types We Fund in Florida
Beyond car accidents, Florida pre-settlement funding commonly applies to slip and fall cases, medical malpractice claims (which follow separate damage cap rules from general negligence), and wrongful death cases, particularly given Florida's high rate of traffic fatalities — over 3,300 deaths from car accidents were recorded in 2023 alone.
Common Questions
Frequently Asked Questions
Everything you need to know about Florida pre-settlement funding before you apply.
HB 837 shortened Florida's statute of limitations for most negligence claims from four years to two years, and moved the state from pure to modified comparative negligence — barring recovery entirely for plaintiffs found more than 50% at fault. Both changes affect how a Florida case is valued and whether it qualifies for pre-settlement funding.
Yes. Florida Statute 501.961 requires funding companies to provide written contracts and clear fee disclosures, and the Florida Office of Financial Regulation handles complaints about funding companies operating in the state.
If your case is lost or dismissed, you owe nothing. Repayment comes exclusively from your settlement proceeds — no personal liability, no debt collection, and no credit impact.
Most Florida applications are approved and funded within 24 to 48 hours of receiving complete case documentation from your attorney. Calling us directly at (917) 267-8368 can also accelerate the process.
Florida requires PIP coverage that pays initial medical costs regardless of fault, up to $10,000 in most cases. Once PIP is exhausted, or your injury meets the permanent injury threshold, a liability claim against the at-fault driver becomes relevant — which is typically when funding applies.
Yes. As your case progresses, supplemental funding may be available. Contact your dedicated case manager to discuss a funding review if your situation changes.
Where We Fund
Pre-Settlement Funding by State
Diamondback Funding provides pre-settlement funding nationwide, with underwriters who understand the specific laws in your state.
Take the First Step
Don't Let a Tighter Clock Force a Bad Settlement
HB 837 changed the rules, but the goal is the same: full and fair compensation. Diamondback Funding gives Florida plaintiffs the financial room to get there.