Getting hurt in an accident can change your life overnight. You’re in pain, you can’t work, and the bills don’t stop coming. Medical expenses, rent, groceries, and car payments keep stacking up. And even though your injury claim is moving forward, settlements take time.

So what happens when you simply can’t afford to wait?

That’s a question many people ask after a car accident, slip and fall, or workplace injury. The truth is, you do have options. Understanding those options—and getting help from NC personal injury attorneys—can make the process less stressful and help you make better decisions for your future.

Why settlements take time

Before talking about what you can do, it helps to understand why settlements don’t happen right away.

In North Carolina, personal injury cases go through several steps. First, your lawyer gathers medical records, police reports, and evidence about how the accident happened. Then, they calculate your damages—things like medical bills, lost wages, and pain and suffering.

Insurance companies don’t just pay because a claim is filed. They want proof. Sometimes they delay, ask for more documents, or make a low offer hoping you’ll take it fast.

Your lawyer’s job is to make sure you don’t settle for less than you deserve. But that process takes time. And while your case moves forward, you still have to live your life and pay your bills.

What to do when you need money before your case settles

If you’re hurt and can’t wait for your settlement, there are several ways to get through this period. None of them are perfect, but understanding them can help you stay afloat until your case resolves.

Before making any big financial decisions, talk to your attorney. Experienced NC personal injury attorneys understand what clients go through while waiting for a case to settle. They can help you look at your situation and guide you toward safe options that won’t hurt your claim.

Some choices can cause problems later—for example, taking out certain types of loans or signing contracts with companies that charge high interest. Your lawyer can explain what’s okay and what’s risky.

If your biggest concern is medical bills, your attorney might use a letter of protection. This is a written promise to pay your medical provider from your future settlement.

It allows you to continue getting the care you need without paying up front. Many doctors, chiropractors, and physical therapists in North Carolina are familiar with this process and accept letters of protection in accident cases.

This can ease some of the pressure while you recover.

Some companies offer what’s called pre-settlement funding, or a “lawsuit advance.” It’s not a traditional loan. It’s an advance based on the value of your future settlement.

That might sound helpful, but these advances often come with very high fees. You only pay them back if you win or settle your case, but the total amount owed can grow quickly.

If you’re considering this option, speak with your lawyer first. NC personal injury attorneys can review the offer and help you understand how it will affect your settlement when the case ends.

Depending on your situation, you might qualify for help outside your case:

• Short-term disability or unemployment benefits if you were working before your injury.
• Medicaid or hospital charity care programs to reduce medical costs.
• Support from community organizations that help with rent, food, or utilities.

These resources can fill some of the gaps while your case is pending. Your attorney’s office may know of local programs or contacts in Wilmington or Supply that can help.

Why rushing a settlement can hurt your recovery

It’s understandable to want fast relief. But settling too early often leads to long-term problems.

When you accept a settlement, it’s final. You can’t go back later and ask for more money if you discover another injury or need more treatment.

Insurance companies know this. That’s why they often offer quick settlements that seem fair at first—but don’t cover everything you’ll need down the road.

An attorney’s job is to protect you from that mistake. NC personal injury attorneys gather all the facts before negotiating. They wait until your medical treatment is finished or your condition is stable so they know the full cost of your injuries. That’s how they make sure you receive what your case is truly worth.

What to expect once your case settles

When your case resolves, your attorney will collect the settlement funds and distribute them according to your case costs, medical bills, and attorney’s fees.

The remaining balance is your recovery. It’s the amount that helps you move forward after your injury.

If you took pre-settlement funding, the company will also receive repayment at that time. That’s why it’s important to understand those agreements before signing anything—they can significantly reduce your final amount.

When to call an attorney

If you’re struggling after an accident, don’t wait to get advice. Talking to a lawyer early helps you understand your rights and options. Even if you already filed a claim, it’s never too late to get help.

If you’re hurt and can’t afford to wait for your settlement, call now. You’ll get straightforward advice about what steps to take next—and what options might help you stay financially stable while your case is pending.

Waiting for a settlement is never easy, especially when money is tight. But you’re not alone. By working with experienced NC personal injury attorneys, you can protect your case, manage your bills, and make informed decisions until your claim is resolved. The right guidance can make this difficult period a little easier—and bring you closer to the recovery you need.