The MVA GuyCheck Market Availability

Injury Criteria by Case Profile.

Every delivered case is evaluated against written criteria covering the accident source, injury severity, representation status, defendant type, documentation, and identified insurance coverage. The injury schedules below define which case profile applies.

These criteria determine whether a case fits the profile purchased. They do not predict case value, settlement, recovery, or outcome.

The MVA Guy is not a law firm. Nothing on this page is legal or medical advice.

Written criteria. Applied before delivery.

  1. 01

    Verified accident source

    The accident is supported by available EMS data, a police report, or applicable incident documentation.

  2. 02

    Representation status

    The claimant has not retained another attorney for the incident.

  3. 03

    Liability and defendant

    The claimant is not at fault, preliminary liability fits the written criteria, and the applicable personal or commercial defendant qualifies.

  4. 04

    Injury severity

    The documented injury meets the serious or catastrophic injury schedule applicable to the selected case profile.

  5. 05

    Identified coverage

    The available documentation identifies insurance coverage meeting the selected profile’s minimum threshold.

  6. 06

    Completed case file

    Required intake, consent, retainer, and supporting documentation are completed before delivery.

Four case profiles.

Each profile carries its own injury schedule, defendant type, and identified-coverage threshold.

Tier 1

Serious Bodily Injury

Serious injury · Personal defendant
$5,750 per case

Documented bodily injury on the written serious-injury schedule, with the claimant not at fault and the case supported by the required accident and intake documentation. Soft-tissue-only cases are excluded.

Opening minimum
20 cases
Minimum identified insurance
$25,000 to $50,000, state dependent
Tier 2

Catastrophic MVA

Catastrophic injury · Personal defendant
$11,000 per case

A documented catastrophic injury meeting the written catastrophic-injury schedule, involving a qualifying personal or standard defendant and the required identified coverage.

Opening minimum
10 cases
Minimum identified insurance
$150,000
Tier 3

Commercial Vehicle

Serious injury · Commercial defendant
$15,000 per case

A documented injury on the serious-injury schedule involving a qualifying commercial defendant and identified commercial coverage.

Opening minimum
10 cases
Minimum identified insurance
$150,000
Flagship Program
Tier 4

Catastrophic Commercial

Catastrophic injury · Commercial defendant
$30,000 per case

A documented catastrophic injury meeting the written catastrophic-injury schedule, involving a qualifying commercial defendant and the program’s highest identified-coverage requirements.

Opening minimum
8 cases
Minimum identified insurance
  • Interstate Motor Carriers: $750,000 minimum*
  • Other Commercial Vehicles: $500,000 minimum

*Applies to qualifying for-hire carriers operating vehicles with a GVWR of 10,001 pounds or more. Higher federal requirements may apply.

Required across every case profile.

  • The claimant has not retained an attorney for the incident.
  • The claimant is not at fault under the written preliminary-liability criteria.
  • The accident is supported by the required EMS data, police report, or incident documentation.
  • The claimant sustained a documented bodily injury caused by the accident.
  • The injury meets the written schedule for the selected case profile.
  • The personal or commercial defendant meets the selected profile’s criteria.
  • Identified insurance coverage meets the selected profile’s minimum threshold.
  • The accident falls within the agreed geographic and campaign criteria.
  • No bodily-injury settlement has already been received.
  • The required consent, recorded intake, retainer, and supporting documentation are completed before delivery.

Serious injury schedule.

Applies to Tiers 1 and 3

Orthopedic

  • Fractures requiring treatment, including rib, sternum, clavicle, wrist, forearm, humerus, hip, femur, tibia, fibula, ankle, and foot
  • Dislocation of the shoulder, hip, knee, or elbow
  • Torn ligaments or tendons, including ACL, MCL, meniscus, rotator cuff, and Achilles
  • Crush injury not resulting in amputation

Head, neck, and spine

  • Concussion or mild traumatic brain injury with documented symptoms
  • Herniated, bulging, or ruptured cervical or lumbar disc
  • Documented radiculopathy or nerve impingement
  • Cervical or lumbar injury supported by objective imaging findings

Chest and internal injuries

  • Pulmonary contusion, pneumothorax, or hemothorax
  • Internal injury requiring imaging, observation, or admission
  • Abdominal trauma requiring medical evaluation

External and facial injuries

  • Lacerations requiring sutures, staples, or surgical repair
  • First-degree or limited second-degree burns
  • Facial or dental injuries requiring treatment

Treatment-related evidence

Surgery, injections, a prescribed course of physical therapy, and documented lost work may support qualification when they are connected to a documented qualifying injury.

Treatment or lost work alone does not override the soft-tissue-only exclusion.

Catastrophic injury schedule.

Applies to Tiers 2 and 4

Neurological and spinal

  • Spinal cord injury
  • Partial or complete paralysis
  • Traumatic brain injury involving permanent cognitive impairment
  • Skull fracture or intracranial injury
  • Severe nerve damage or neurological impairment
  • Speech or language impairment
  • Brain death

Orthopedic and limb loss

  • Multiple fractures or polytrauma
  • Partial or complete amputation
  • Loss of mobility requiring assistive devices

Internal, organ, and cardiac injuries

  • Organ damage or organ loss, including kidney or liver
  • Life-threatening internal bleeding
  • Cardiac arrest at the scene or in the hospital
  • Loss of bowel, bladder, or sexual function

Sensory injuries, burns, and disfigurement

  • Severe second-degree or third-degree burns
  • Loss or significant impairment of vision or hearing
  • Facial disfigurement or permanent scarring

Chronic and permanent outcomes

  • Complex Regional Pain Syndrome or another documented chronic pain syndrome
  • Permanent disability
  • Permanent inability to work

Fatal outcomes

  • Death at the scene
  • Death following hospitalization
  • Death documented as related to the accident

No soft-tissue-only cases.

The following do not qualify for delivery under any case profile.

  • A soft-tissue complaint without objective findings or a qualifying documented injury
  • Soreness, stiffness, or pain alone
  • An unsupported self-reported injury
  • A pre-existing condition not aggravated by the accident
  • An injury that does not meet the selected profile’s written schedule
  • A claimant who is already represented
  • A claimant who is at fault under the written preliminary-liability criteria
  • A defendant that does not meet the selected profile
  • Coverage that does not meet the selected profile’s threshold
  • Missing required documentation
  • An incomplete intake
  • A retainer that has not been executed
  • A bodily-injury claim that has already been settled

The criteria are written. So is the protection.

Every delivered case includes a 14-day review period. If the documentation shows that a case does not meet the written criteria for the profile purchased, notify us within the review window. Once confirmed, the case is replaced under the terms of your agreement.

Protection applies to documented criteria mismatches, not case value, settlement, litigation outcome, delivery date, or delivery volume.

Review the criteria against your markets.

Choose the case profiles that fit your firm and tell us where your attorneys are licensed. We will confirm market availability and outline the applicable campaign requirements.

Injury schedules describe qualification criteria only. They are not a medical classification or a projection of any individual case result. Actual settlement values, available coverage, timelines, and outcomes depend on the facts of each case and the purchasing firm’s work. No case value, settlement, recovery, delivery date, or delivery volume is guaranteed. Nothing on this page is legal or medical advice. The MVA Guy and its partners are not law firms, do not represent themselves as law firms, and do not operate as law firms. Purchasing firms remain responsible for compliance with the rules of professional conduct and attorney-advertising requirements in their jurisdictions. Services are governed by the applicable written agreement.