When it comes to personal injury cases, many victims settle for far less than they deserve. One of the main reasons? They never uncover all the assets and insurance coverage available to them.
In California, an asset and insurance search can be the difference between a modest payout and a settlement that truly covers your losses. From hidden insurance policies to undisclosed financial resources, thorough discovery can significantly boost your compensation.
Here’s how it works—and why it matters in 2025.
Why Asset & Insurance Discovery Matters
When an accident claim reaches the policy limits of the at-fault party’s insurance, victims often assume there’s nothing more to recover. In reality, there may be untapped sources of compensation—if you know where to look.
Hidden insurance policies are more common than you might think. A negligent driver might have an umbrella policy, or a business responsible for your injury may have layered coverage that isn’t disclosed upfront.
Likewise, asset discovery can reveal property holdings, investments, or business assets that could be pursued in a lawsuit.
Without this step, you risk walking away with an injury settlement that falls short of covering your medical bills, lost income, and long-term needs.
How the Discovery Process Works
A comprehensive asset and insurance search is designed to uncover all potential sources of recovery. It typically involves:
1. Asset Discovery
- Reviewing property and deed records.
- Locating business ownership filings.
- Investigating bank, investment, and other financial accounts (when permissible by law).
2. Insurance Discovery
- Verifying existing liability coverage.
- Searching for hidden insurance policies, such as umbrella or excess coverage.
- Checking commercial, property, or specialty policies that could apply to the accident claim.
Attorneys often partner with professional investigators who specialize in finding overlooked coverage and unreported assets. This expertise ensures that no stone is left unturned when building your injury case.
The Benefits for Injury Victims
Thorough asset and insurance discovery directly impacts your bottom line. Here’s how:
- Increased Settlement Amount
More sources of recovery mean more leverage in negotiations. - Stronger Legal Position
Your attorney can present concrete evidence of additional funds available, pushing for a higher payout. - Avoiding Lowball Offers
When insurers know you’ve uncovered other resources, they’re less likely to offer unfair settlements.
In short, discovery is one of the most effective ways to maximize injury settlements and ensure you receive the compensation you’re entitled to.
How Legal Funding Helps During the Process
Even when hidden assets or insurance policies are found, settlements don’t happen overnight. The discovery process takes time, and negotiations can stretch on for months.
This is where lawsuit funding solutions come in. With legal funding, you can access a portion of your future settlement now—covering medical bills, rent, and daily expenses while your attorney fights for the best outcome.
Example:
A car accident victim’s attorney discovers an undisclosed umbrella policy worth an additional $500,000. While negotiations proceed, the victim uses legal funding to keep up with expenses, avoiding the pressure to accept a lower settlement just to pay urgent bills.
Taking Action: Partner with Experts Early
The sooner you start an asset and insurance search, the better your chances of finding valuable information that could raise your settlement. Attorneys with access to experienced investigators—and legal funding options—can give you a significant advantage.
If you’ve been injured in an accident, don’t leave your financial future to chance.
What You Should Know
Fund Capital America specializes in insurance discovery, asset discovery, and legal funding for injury victims across California. From finding hidden insurance policies to providing immediate financial support, we help clients increase settlement amounts and fast-track recovery.
Don’t settle for less than you deserve. Contact Fund Capital America today to start your asset and insurance search and secure the compensation you’re entitled to.
Who is Fund Capital America?
Since 2006, Fund Capital America (FCA) has been a trusted leader in pre-settlement funding, providing cash advance loans to plaintiffs in personal injury and accident cases. Over the years, FCA has proudly served thousands of law firms and tens of thousands of clients, helping them navigate the financial challenges of litigation. While our core service is pre-settlement funding, we also offer a comprehensive range of services to support law firms and their clients from the beginning of the case to the final settlement check distribution.
Fund Capital America’s Services
In addition to pre-settlement funding, FCA provides a broad array of services designed to alleviate the financial and administrative burdens on injury victims, law firms, and medical professionals. Our services include:
- Pre Settlement Funding
- Policy Limits
- Doctor & Medical Facility Directory
- Doctor & Medical Facility Scheduling
- Language Services
- Investigation Services
- Medical Legal Finance
- Surgery Funding
- Medical Lien Funding
- Law Firm Funding & Law Firm Banking Services
- Law Firm Line of Credit
- Medical Receivables Financing
- Law Firm Services
Get the Legal Funding Support You Need in Just 5 Minutes!
Here’s how it works:
Fill out our application form: It takes just 5 minutes to provide the necessary details about your case.
Get prequalified: Our team will review your application and get back to you swiftly, often within hours.
Need assistance? Call us at the number provided for immediate support from our knowledgeable staff.
Don’t let financial stress prevent you from focusing on your recovery. Apply now to secure your lawsuit cash advance!
