Signed Retainer Program · Confidential

Catastrophic Commercial Vehicle Cases

Fully signed retainers in a motor vehicle category where catastrophic damages are more likely to be supported by substantial commercial coverage. Every case is verified against a police report, screened against fixed criteria, and delivered as a complete, documented file.

Acquisition cost
$25,000
per signed case
Observed case values
$500K–$1M
where most cases land
Coverage floor
$750,000
federal minimum
Footprint
National
scales by market
01What qualifies as a case

Every criterion must be met, no exceptions.

Cases are screened against a fixed intake standard before delivery. If any single criterion is missing, the file is not sent.

  • Claimant has not hired an attorney for the incident.
  • The claimant sustained a catastrophic injury in the collision.
  • Claimant was taken directly from the scene to a hospital or emergency facility.
  • Claimant was not at fault.
  • At-fault party carries commercial insurance coverage.
  • A police report is available.
  • Claimant has not received any settlement on the bodily injury claim.
Qualifying injuries

Catastrophic injuries screened for at intake include, but are not limited to:

Spinal cord injury with paralysis
Traumatic brain injury with permanent cognitive impairment
Skull fracture or intracranial injury
Polytrauma
Amputation
Severe burns
Loss of vision or hearing
Organ damage or life-threatening internal bleeding
Permanent disability
Fatal injuries resulting in death at the scene or following hospitalization
02Why this category

In catastrophic cases, available coverage often becomes the limiting factor.

A catastrophic injury may only be worth what the policy behind it can pay. State personal auto minimums can sit as low as $25,000 to $30,000 per person, so a life-altering injury against a minimally insured private driver often produces a policy-limits settlement far below the value of the harm. The work is comparable. The recovery can be capped.

Commercial policies can provide substantially greater available coverage. Federal law sets minimum liability coverage by cargo and vehicle class, and most carriers layer excess and umbrella policies above that floor.

General freight, interstate
$750,000
Oil and certain commodities
$1,000,000
Hazardous materials
$5,000,000
Passenger carriers, 16+ seats
$5,000,000

Depending on the facts, potentially liable parties may include the motor carrier, broker, shipper, maintenance provider, or other commercial entities, and the recoverable pool can exceed the primary policy.

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03Economics of a single case

The economics do not require every acquired case to produce a recovery.

Values below are illustrative. Legal fees shown are gross. Actual outcomes depend on the facts, coverage, case development, expenses, and any recovery. No result is guaranteed. At the low end of the observed range, gross legal fees on a single case can approximate 6.7 to 8 times the acquisition cost. A $1 million recovery can approximate 13.3 to 16 times the acquisition cost.

Case value
YOUR FEE @ 33.3%
RETURN
YOUR FEE @ 40%
RETURN
$500,000
Most cases
$166,500
6.7x
$200,000
8x
$750,000
Most cases
$249,750
10x
$300,000
12x
$1,000,000
Most cases
$333,000
13.3x
$400,000
16x
$2,000,000
Upside
$666,000
26.6x
$800,000
32x
Acquisition cost
$25,000 per signed case
04How cases are sourced

Every case begins at the official record.

Official police-report sourcing

Official police reports are obtained through an authorized sourcing process and reviewed within 24 to 72 hours, allowing outreach to begin early in the claimant's decision process.

Incident mapping & AI screening

Date of loss, impact severity, commercial vehicle involvement, hospital transport, and preliminary liability are extracted from the report itself. Screening tools identify reported injury indicators, commercial vehicle involvement, hospital transport, and preliminary liability factors for additional review.

Opt-in advertising

Claimants affirmatively opt in to contact from a clearly identified firm. Nothing is scraped or sourced from undisclosed pools.

Intake & execution

A 24/7 bilingual intake center qualifies against the criteria and supports execution of your retainer by eDoc.

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05What is delivered per case

A complete file,  not just a lead.

Each retainer arrives as a documented package: signed engagement, supporting evidence, and a live hand-off into your intake team.

Executed retainer

Plus any additional documents you require signed, including HIPAA authorization.

The police report

Supporting the incident, full intake notes, detailed claimant profile variables, and recordings of every call.

Photo identification

Of the claimant, plus consent documentation including TrustedForm or Jornaya certificates.

Warm transfer

Into your intake team, so the relationship starts with a live hand-off rather than a cold file.

06Compliance architecture

Built to withstand audit and scrutiny.

Marketing services, not case purchase

Fees cover marketing, media spend and intake labor. No fee is contingent on or shared from any recovery.

DPPA-conscious data handling

Crash data handling processes reference the Driver's Privacy Protection Act, 18 U.S.C. 2721, and applicable state privacy statutes.

One-to-one consent, independently proven

Consumers opt in to contact from clearly identified firms, above the TCPA baseline, with TrustedForm or Jornaya certificates retained and auditable.

Identity screening & audit cooperation

Identity verification plus a serial-plaintiff and litigation-mill scrub. Upstream vendors must hold brand-specific consent proof and cooperate with audits.

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07Volume at national scale

Programs scale by adding territories;
not by loosening criteria.

Program footprint
PER MONTH @ FULL OPERATION
Annualized
Single market
1 – 3
12 – 36
Regional, 5–8 markets
6 – 14
72 – 168
National, 20+ metros
25 – 45
300 – 540
Build & launch
14 – 21 days
First delivered case
4 – 6 weeks
Full run rate
90 – 120 days
Why the ceiling sits here

Federal data records roughly 500,000 police-reported crashes involving large trucks and buses each year, including approximately 120,000 injury crashes and 5,000–6,000 fatal crashes. Incident supply is not the constraint. The constraint is the screening filter that isolates catastrophic injury, verified commercial coverage, clear not-at-fault liability, and no prior attorney.

08Terms and protections

Straightforward terms. No surprises.

Criteria-based replacement protection

Any case failing the criteria is replaced at no charge on notice within 14 days, and again if medical records later show it does not qualify.

Budget & volume control

Above the minimum you set the pace and cap the spend.

Geographic exclusivity

By market, so the same case is not worked against you.

Prepay structure

A minimum $125,000 per campaign draws down against delivered qualified cases, with real-time accounting. A prepay, not a fee on top.

Ready to evaluate the program for your firm?

Book a discovery call to review criteria, geographic exclusivity, and projected case flow for your markets.