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As we say often at the Bairs Foundation, tragedy does not discriminate. Anyone can suddenly face an emergency that comes with a huge price tag — an appliance on the fritz, a lay-off at work, or much worse: a catastrophic injury. Unfortunately, few Americans can afford even a small emergency setback.

In fact, Bankrate’s financial security index found that 34 percent of American households experienced a major and unexpected expense over the past year, yet only 39 percent of respondents said they would be able to immediately cover just $1,000 for an emergency. Similarly, a survey by GOBankingRates found that 69 percent of Americans had less than $1,000 in total savings.

If it sounds like you would fall into this category, it’s important to act now to better protect yourself. A CNBC article offers some helpful tips to build an emergency fund.

Still, rainy-day money can be a drop in the bucket for those who find themselves in litigation after being injured. While insurance might kick in and cover medical bills, it doesn’t help pay for daily living expenses like rent, groceries, and a car payment. A catastrophic injury requires time away from work, which means no paycheck. Lack of (or less) income, coupled with bills, can drain funds fast. That’s where the Bairs Foundation comes in.

We founded our nonprofit organization to help families in need keep food on the table and a roof over their heads as they pursue litigation. The Bairs Foundation provides low-interest funding to plaintiffs who need a hand, so they can go the distance with their lawsuit. Winning a lawsuit shouldn’t be possible only to those who can afford it. To us, that’s what our civil justice system is all about.

If you or someone you know is struggling financially while pursuing a personal injury lawsuit, we welcome you to apply for funding on

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