Fully executed catastrophic commercial retainers. Police-report sourced, injuries verified. Every case carries at least the $750K federal minimum. Most policies run $1M to $3M. Two firms per state.
The $4.5M figure is a conservative floor, not a forecast. It assumes nearly every policy sits at the $750,000 federal liability minimum for interstate motor carriers under 49 C.F.R. Part 387 — the least a qualifying commercial file can carry. In practice most policies run well above it, and layered and umbrella coverage sits above that. Available coverage describes policy limits. It is not a recovery and does not predict one.
Aggregate recovery across the full engagement, measured against the $200,000 minimum marketing spend. The $4.5M row is the conservative floor — the scenario where nearly every policy comes in at the federal minimum. Values are illustrative. Actual outcomes depend on liability, coverage, injuries, venue, and case development. No result is guaranteed.
Geographic exclusivity is real and enforced. Firms committing to sustained monthly volume can lock a state outright. Once a territory is claimed, the cases in that market are spoken for.
Book Discovery CallEvery file is screened against this schedule before it reaches you. Emergency response and hospital transport are required criteria in their own right and are verified first.
A soft tissue complaint with no imaging, no treatment plan and no emergency transport does not qualify. Neither does a pre-existing condition that was not aggravated by the accident event, nor an injury the claimant reports without a supporting medical record. Because emergency response and hospital transport are required criteria in their own right, these cases are screened out before the injury schedule is ever applied.