New York Lawsuit Loans: Get Cash Now, While Your Case Wins
Waiting on a New York lawsuit and need cash now? Diamondback Funding provides non-recourse pre-settlement funding to New York plaintiffs, no credit check, no monthly payments, zero repayment if your case doesn’t succeed.
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How does New York law affect your case and your funding?
Two features of New York law shape every personal injury case here, and both directly affect how much pre-settlement funding your case can support.
The filing clock matters just as much: most New York personal injury claims must be filed within 3 years of the injury. And if a government entity is involved, a city vehicle, public property, a state agency, formal notice deadlines are typically far shorter than the general statute of limitations. Confirming those dates should be one of the first conversations you have with your attorney.
For funding purposes, the practical takeaway: in New York, most claims follow pure comparative negligence, but auto cases filed on or after May 26, 2026 are barred above 50% fault. When you apply, we review these factors directly with your attorney, you don’t need to have the answers yourself.
The injury decides what the case is worth, and how fast we can fund it.
Insurers value a claim by what the records prove. A fracture, a surgery, or a permanent scar is proof that does not need arguing, which is why those files move through review the fastest and carry the most value.
Want the detail first? What counts as a serious injury, and what it means for your case (New York guide)
How does New York funding work, from application to cash?
Apply Online
Complete our 2-minute form or call our team. Basic case details only, no documents needed 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 the same business day.
Clear Agreement
We present a fully transparent agreement. All terms are spelled out before you sign, no hidden costs.
Funds Delivered
Money arrives via wire transfer or overnight check within 24–48 hours of signing.
No obligation. No credit check. Takes 2 minutes.
How much could you qualify for in New York?
Adjust the sliders for an instant estimate based on your case profile. All figures are illustrative, actual amounts depend on case evaluation.
Do you qualify for New York lawsuit funding?
Most plaintiffs with an active claim in New York and legal representation are eligible. Approval is based on your case, not your credit history.
Active New York Claim
A personal injury claim or filed lawsuit within New York’s statute of limitations.
Attorney on Contingency
Funding requires an attorney representing you on a full contingency fee basis who signs an acknowledgment of the funding agreement. We cannot fund without both.
Favorable Fault Position
Under New York’s fault rules, most claims follow pure comparative negligence, but auto cases filed on or after May 26, 2026 are barred above 50% fault.
Documented Damages
Medical records, lost wage documentation, or other evidence of loss support a stronger funding amount.
Filed on Time
Within New York’s 3-year statute of limitations, or the shorter notice window for government defendants.
Age 18 or Older
Applicants must be at least 18. Parents or guardians may apply on behalf of injured minors in some cases.
Call for a free, no-obligation eligibility review. We’ll give you an honest answer in minutes.
What can you use New York funding for?
There are no restrictions on how you use your pre-settlement funding. New York plaintiffs use their advance for whatever pressing need matters most, medical bills, rent, or simply staying current while a case moves through the courts.
New York funding amounts typically range from $500 to $500,000, sized to the strength and stage of the underlying claim.
Apply Now →| Expense Type | Covered? |
|---|---|
| Medical & hospital bills | ✓ Yes |
| Surgery & specialist care | ✓ Yes |
| Physical & occupational therapy | ✓ Yes |
| Prescription medications | ✓ Yes |
| Lost wages / income gap | ✓ Yes |
| Rent or mortgage | ✓ Yes |
| Groceries & daily expenses | ✓ Yes |
| Transportation | ✓ Yes |
| Childcare | ✓ Yes |
| Any other personal expense | ✓ Yes |
How does Diamondback compare with other pre-settlement funding companies?
Pre-settlement funding is an unregulated industry in many states. The wrong company can lock you into excessive fees. 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 |
| Full terms disclosed in writing before signing | ✓ Always | ✗ Varies |
| Dedicated case manager | ✓ Yes | ✗ Rarely |
| Funding timeline | 24–48 hours | 3–7 days typical |
| Maximum advance | Up to $500,000 | Often capped lower |
What should every New York plaintiff know about lawsuit loans?
Personal injury cases in New York typically take 12 to 36 months to resolve, and insurance carriers know exactly how long most families can hold out. Every month you can’t wait is leverage for them. Pre-settlement funding exists to take that leverage away.
New York’s Fault Rule and What It Means for Your Case
New York uses pure comparative negligence for most injury claims: you can recover even if mostly at fault, reduced by your share. Exception (2026 reform): in motor vehicle cases filed on or after May 26, 2026, recovery is barred entirely if you were more than 50% at fault. Insurers understand this rule intimately and shape their negotiation strategy around it, which is why the quality of your liability evidence (reports, witnesses, footage) affects both your recovery and the funding amount your case supports.
The Filing Clock, and the Government-Entity Trap
Most New York injury claims must be filed within 3 years. Claims involving government entities typically require formal notice on a much shorter timeline. A claim filed outside these windows has no enforceable value to advance against, regardless of how strong the underlying facts are.
New York’s 2026 Auto Tort Reform
On May 26, 2026, New York enacted major reforms for motor vehicle cases filed on or after that date: a plaintiff more than 50% at fault can no longer recover (new CPLR §1411(b)), juries now decide fault before the injury threshold, the 90/180-day serious injury category was eliminated, and pain-and-suffering recovery is capped at $100,000 in narrow cases: driving uninsured with a coverage lapse of 30 days or more, or impaired driving or felony flight with a conviction; the cap does not apply to death actions. All other New York injury claims, including premises, Labor Law, and medical malpractice cases, still follow pure comparative negligence. Cases filed before May 26, 2026 proceed under the prior rules. Note also that New York medical malpractice claims follow a shorter deadline, generally two and a half years, extendable under the continuous treatment doctrine. These changes make liability evidence and documented injuries more important than ever in New York auto claims, and our underwriting reflects the rule that applies to your specific case.
Funding Rules in New York
New York now has one of the most comprehensive consumer funding laws in the country. The Consumer Litigation Funding Act took effect June 17, 2026 (it does not apply to agreements signed before that date). Contracts must be in plain language with a complete payment schedule, you have a 10-business-day right to cancel, prepayment penalties are prohibited, repayment is a predetermined amount rather than a percentage of your recovery, the total a funder may collect is capped by statute, your attorney must sign an acknowledgment for the contract to be valid, and funders may not influence your case or pay referral fees. Funder registration with New York regulators begins February 13, 2027. Every New York agreement we arrange complies fully with the Act.
Common Case Types Covered in New York
We commonly fund car accident claims, slip and fall cases, medical malpractice claims, and employment disputes throughout New York.
Get a free funding assessment in minutes. No credit check, no obligation.
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Related Case Types
Nearby States
New York at a Glance
What changes a car accident or slip-and-fall case’s value in New York?
New York is a no-fault state with a serious injury threshold, a three year filing window, and a 2026 reform that added a fault cutoff to car accident cases only. Here is how each rule moves the number on a file, and what we look at with your attorney before sizing an advance.
How does fault work in a New York car accident?
For most injury claims, pure comparative negligence: your culpable conduct reduces damages in proportion and never bars recovery (CPLR 1411(a)). Car accident cases are the exception. For actions commenced on or after May 26, 2026, a claimant whose culpable conduct is greater than the defendant’s, or the defendants’ combined, recovers nothing (CPLR 1411(b), added by Part EE of Chapter 58 of the Laws of 2026, per the Department of Financial Services). The date your action was commenced, not the crash date, decides which rule applies, and we check it on every New York auto file.
What does no-fault mean for your claim?
Your own no-fault coverage pays basic economic loss up to $50,000 (Insurance Law § 5102(a)). Against the other driver there is no recovery for pain and suffering unless you have a serious injury (Insurance Law § 5104(a)), now defined as death, dismemberment, significant disfigurement, a fracture, loss of a fetus, permanent loss of use of a body organ, member, function or system, permanent consequential limitation, or significant limitation of use of a body function or system (Insurance Law § 5102(d)). The 2026 reform removed the old 90-of-180-days category. Threshold proof, meaning imaging and treating-doctor findings, is the first thing we read on a New York auto file.
Who pays, and how much insurance is there?
Minimum liability limits are $25,000 per person and $50,000 per accident for bodily injury, $50,000 and $100,000 for death, and $10,000 property damage (Vehicle and Traffic Law § 311(4)). Those limits, plus any supplementary uninsured or underinsured motorist coverage on your own policy, usually set the ceiling on what the case can pay.
How long do you have to file?
Three years for personal injury (CPLR 214(5)) and two years after death for wrongful death (EPTL 5-4.1). Claims against the city or state run on much shorter notice deadlines your attorney will confirm.
What about slip-and-falls and dog bites?
There is no single slip-and-fall statute in New York; the rules on notice come from court decisions, so the evidence file, meaning video, inspection records and witnesses, carries the case. For dog bites, the owner or custodian of a dog adjudicated dangerous is strictly liable for medical costs (Agriculture and Markets Law § 123(10)); recovery beyond that turns on case law your attorney will frame.
Are there damage caps?
No statutory cap on damages in ordinary injury cases. The only statutory check is on appeal, where an award is set aside if it deviates materially from reasonable compensation (CPLR 5501(c)).
Verified against statute text and court publications as of September 10, 2026. Laws change and exceptions apply, and your attorney confirms how they apply to you.
New York rules at a glance
Which cases does Diamondback fund in New York, and what changes their value?
New York's statutes do a lot of the work in these cases: they decide who can be sued, how much insurance sits behind the claim, and when the money has to move. Here is what each rule means for the value of a file and for the size and timing of an advance, and what our review asks your attorney for.
Do truck accident cases in New York get funded differently from car accidents?
Yes, because the insurance behind a commercial truck is usually far larger than a private auto policy. For-hire and private carriers of nonhazardous property with a gross vehicle weight rating of 10,001 pounds or more, in interstate or intrastate commerce, must carry at least $750,000 in liability coverage under the federal schedule of limits (49 CFR 387.9), and hazardous loads carry more. That ceiling, plus the carrier's own exposure for hiring, training and maintenance, is what lets a truck file support a larger advance than the same injuries in a car case. Our review asks for the police report, the carrier's name and DOT number, and your attorney's read on the injuries. Learn more about truck accident funding.
Does not wearing a helmet hurt a New York motorcycle accident case?
It can affect the damages side, and it never bars the claim by itself. New York requires every operator and passenger to wear a helmet that meets federal standard 571.218 (Vehicle and Traffic Law 381(6)), so the defense raises a missing helmet whenever the injury is to the head. The statute says nothing about how that fact is used in a civil case; your attorney frames it from the court decisions. What sets the size of an advance is the fault picture, the liability coverage available, and the medical records, and the review reads those first. Read about motorcycle accident funding.
How much insurance covers an Uber or Lyft accident in New York?
Outside New York City, it depends on what the driver was doing at the moment of the crash. With the app on but no ride accepted, required coverage is at least $75,000 per person and $150,000 per accident for bodily injury and $25,000 for property damage. From ride acceptance through drop-off, required coverage rises to at least $1,250,000, plus another $1,250,000 in supplementary uninsured and underinsured motorist coverage (Vehicle and Traffic Law 1693). The state statute does not govern for-hire vehicles inside New York City, where the Taxi and Limousine Commission rules apply. App status at the moment of the crash is the first thing we confirm, because it sets the ceiling on the case. See rideshare accident funding.
Who has the right of way in a New York pedestrian accident?
In a crosswalk without a working signal, the pedestrian does. The driver must yield, slowing or stopping if needed, to a pedestrian crossing within a crosswalk (Vehicle and Traffic Law 1151(a)). The pedestrian's own duty is narrower: not to leave the curb suddenly into the path of a vehicle so close that the driver cannot yield (1151(b)). Because comparative fault reduces recovery in proportion, and motor vehicle cases commenced on or after May 26, 2026 carry a fault cutoff, whether you were in a marked or unmarked crosswalk drives both case value and the size of an advance. Camera footage and the police diagram are what the review asks for. Read about pedestrian accident funding.
Why are New York construction accident cases funded so readily?
Because New York's Labor Law puts the duty to protect workers on the owner and general contractor, not just the employer. Section 240(1) requires contractors, owners and their agents to furnish scaffolding, hoists, ladders and other devices placed and operated to give proper protection to the worker (Labor Law 240(1)), and 241(6) requires every construction, excavation and demolition site to provide reasonable and adequate protection (Labor Law 241(6)). Owners of one- and two-family homes who do not direct the work are excepted. A fall from a height or a falling object on a commercial site is the strongest case type we see in New York, and workers' compensation does not close the door on it. Read about construction accident funding.
Can you fund a discrimination or wrongful termination case in New York?
Yes, and New York employees have more room than most. The State Human Rights Law bars an employer from refusing to hire, discharging, or discriminating in pay or terms because of a protected characteristic (Executive Law 296(1)(a)), and it bars retaliation for complaining. You can file with the Division of Human Rights within three years of the act (Executive Law 297(5)) or sue directly in court, where punitive damages are available against private employers and the statute sets no cap on damages (Executive Law 297(9)). Employment cases move slower than injury cases and pay on documents, so the strongest applications have a filed complaint or an offer on the table. Read about employment lawsuit funding and wrongful termination funding.
How is a New York wrongful death settlement paid out, and who applies for funding?
The estate's personal representative brings the claim, and the proceeds go to the distributees in shares the court sets. Only a duly appointed personal representative of a decedent survived by distributees may sue (EPTL 5-4.1); damages are compensation for the pecuniary injuries to those distributees, with interest added from the date of death (EPTL 5-4.3); and the recovery, whether by verdict or settlement, is distributed in proportion to each person's pecuniary loss after a hearing, with expenses and the representative's commissions deducted first (EPTL 5-4.4). For funding, that means the representative applies, and the review asks for the letters of administration and your attorney's read on the shares. Read about wrongful death funding.
What makes a New York medical malpractice case fundable?
A settlement offer or a settled case makes the strongest application, because these cases turn on expert proof. You have two years and six months from the malpractice, or from the end of continuous treatment, to file (CPLR 214-a), and the complaint must carry a certificate of merit in which your attorney confirms a consultation with a knowledgeable physician and a reasonable basis for the action (CPLR 3012-a). There is no cap on damages; the only check is appellate review for an award that deviates materially from reasonable compensation (CPLR 5501(c)). A filed certificate tells us a physician has already backed the claim, which the review looks for before an offer exists. Read about medical malpractice funding.
Can you get funding after a New York case settles but before the check arrives?
Yes, and New York law makes the wait short and the amount certain. A private settling defendant must pay within 21 days of receiving your executed release and stipulation of discontinuance; a municipality has 90 days; and if payment is late judgment can be entered for the release amount with interest (CPLR 5003-a). Liens and disbursements still come out first, which is why a signed release plus your attorney's disbursement estimate is most of the application. Under New York's litigation funding law, our charges become payable only when the resolution is final and the proceeds have reached your attorney (Financial Services Law 1004), so nothing is owed while the check is in transit. Read about post-settlement funding.
Verified against statute text and regulator publications as of September 25, 2026. Laws change and exceptions apply, and your attorney confirms how they apply to you.
New York rules at a glance
New York funding FAQs
Yes, non-recourse pre-settlement funding is available to plaintiffs throughout New York through Diamondback Funding. Applications, agreements, and funding are handled remotely, with funds delivered by wire or overnight check. New York now has one of the most comprehensive consumer funding laws in the country.
New York uses pure comparative negligence for most injury claims: you can recover even if mostly at fault, reduced by your share. Exception (2026 reform): in motor vehicle cases filed on or after May 26, 2026, recovery is barred entirely if you were more than 50% at fault. Apply or call us and we’ll give you an honest read on how New York’s rule applies to your situation.
Most New York personal injury claims must be filed within 3 years of the injury. Claims involving government entities typically require notice on a much shorter timeline, confirm your exact deadlines with your attorney.
Most applications receive a decision the same business day once we have case details from your attorney. After signing, funds arrive within 24–48 hours anywhere in New York.
You owe nothing. Our funding is non-recourse: repayment comes only from your settlement or judgment. The one exception, standard across the industry and required by state funding laws, is fraud or material misrepresentation in connection with your application or claim, which voids the non-recourse protection.
Generally within 21 days of receiving your signed release, under CPLR 5003-a, and if they miss it, interest runs and a judgment can be entered for the settlement amount. Municipal defendants get 90 days. Ask your attorney whether the clock on your case is already running.
It depends on when the action was commenced. The reform's changes, including the 50% fault bar for motor vehicle cases and the removal of the 90/180 serious injury category, apply to actions commenced on or after May 26, 2026. Older filings proceed under the prior rules.
For car accident pain and suffering claims, Insurance Law 5102(d) requires the injury to fit a defined category, such as death, fracture, significant disfigurement, or a permanent or significant limitation of use established by medical documentation. Your attorney matches your file against the categories; imaging alone has never been enough.
Funding requires an attorney representing you on a full contingency fee basis who signs an acknowledgment of the funding agreement. We cannot fund without both.
Only if your action was commenced on or after May 26, 2026, and only to motor vehicle cases under the no-fault law. In those, a claimant more at fault than the defendant recovers nothing (CPLR 1411(b)). Cases commenced earlier, and all non-auto claims, stay under pure comparative negligence.
Death, dismemberment, significant disfigurement, a fracture, loss of a fetus, permanent loss of use of a body organ, member, function or system, permanent consequential limitation of use of a body organ or member, or significant limitation of use of a body function or system (Insurance Law § 5102(d)). The former 90-of-180-days category no longer applies.
$25,000 per person and $50,000 per accident for bodily injury, $50,000 and $100,000 for death, and $10,000 property damage (Vehicle and Traffic Law § 311). No-fault benefits on your own policy cover basic economic loss up to $50,000. Policy limits usually set the ceiling on a case and on the advance.
Three years for personal injury (CPLR 214) and two years from the date of death for wrongful death (EPTL 5-4.1). Claims against a city or state entity carry much shorter notice deadlines, so confirm yours with your attorney first.
At least $750,000 for a for-hire or private carrier of nonhazardous property with a gross vehicle weight rating of 10,001 pounds or more, in interstate or intrastate commerce, under the federal schedule in 49 CFR 387.9. Hazardous loads carry $1,000,000 or $5,000,000. Your attorney confirms which rules cover the carrier on your file, and that coverage is the ceiling we size an advance against.
Yes. Every operator and passenger must wear a helmet meeting federal standard 571.218 under Vehicle and Traffic Law 381(6). The statute does not say what a missing helmet means in a civil case; the defense raises it on head injuries and your attorney answers it from the court decisions. It does not bar the claim, and it does not stop us from reviewing the file.
Outside New York City, at least $75,000 per person and $150,000 per accident while the driver is logged on without a ride, and at least $1,250,000 plus $1,250,000 in supplementary uninsured and underinsured coverage from ride acceptance through drop-off, under Vehicle and Traffic Law 1693. Inside New York City the Taxi and Limousine Commission rules govern instead. The app status at the moment of the crash decides which limit applies.
No. Fault is shared in proportion, and being outside a crosswalk is one fact the jury weighs, not a bar. Inside a crosswalk without a working signal the driver must yield to you under Vehicle and Traffic Law 1151(a); your own duty is not to step suddenly into the path of a vehicle that is too close to stop. Video and the police diagram settle most of these arguments.
Yes. Labor Law 240(1) requires owners, contractors and their agents to furnish proper protective devices for work at heights, and 241(6) requires reasonable and adequate protection on every construction, excavation and demolition site. That claim runs against the owner and general contractor separately from workers' compensation. Owners of one- and two-family homes who do not direct the work are the main exception.
Three years to file with the State Division of Human Rights under Executive Law 297(5), and three years to bring a court action on a statutory claim under CPLR 214(2). Filing with the Division and suing in court are alternatives, not both, unless the Division dismisses on limited grounds. Your attorney picks the path; we review the file once it is on file either way.
The decedent's distributees, in shares the court sets in proportion to each person's pecuniary loss after a hearing, under EPTL 5-4.4. The personal representative brings the claim and distributes the recovery after expenses and commissions are deducted. Interest from the date of death is added to the award. For funding, the representative applies and the review asks for the letters of administration.
No. New York has no statutory cap; an award is reviewed on appeal only for a material deviation from reasonable compensation under CPLR 5501(c). The filing window is two years and six months (CPLR 214-a), and the complaint needs an attorney's certificate of merit backed by a physician consultation (CPLR 3012-a). The strongest funding applications have a settlement offer or a settled case.
No. Under Financial Services Law 1004, charges on a New York litigation funding contract become payable only when the resolution is final and the proceeds have reached your attorney. A private defendant must pay within 21 days of your executed release (CPLR 5003-a), a municipality within 90 days, and if payment is late judgment can be entered with interest from the tender date.
Legal references for New York: Statute of limitations: CPLR 214(5). Fault rule: CPLR 1411; motor vehicle exception CPLR 1411(b) (2026). Consumer legal funding: Consumer Litigation Funding Act (2025), eff. June 17, 2026, as amended by A.9442 (2026) with oversight by the Department of Financial Services. Citations are provided for general reference and link to our state funding guide; confirm current statutory text with your attorney.
Through Diamondback Funding, non-recourse pre-settlement funding is available to New York residents, subject to underwriting approval and applicable New York law. Funding amounts, availability, and terms vary by case and may change without notice. New York now has one of the most comprehensive consumer funding laws in the country. Nothing on this page is legal or financial advice; consult your attorney. Your complete repayment terms are disclosed in writing before you sign.
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