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Prior to recovery through settlement or judgment, personal injury claimants1 must generally use their own resources to meet economic losseS2 resulting from tortious conduct.3 Because of the often lengthy period between injury and recovery,4 low and moderate income claimants, who do not have the resources for continued cash outlays and extended self-support, frequently accept the lure of an early settlement.5

The Problem of Delay in Tort Recovery and the British Interim Payment Scheme