Every case in this program qualifies on three things: how the accident was verified, the severity of the injury, and the coverage behind the at-fault party. This page sets out the injury schedules that define each tier.
Emergency services responded and transported the claimant from the scene to a hospital or emergency facility. Where EMS records are not available, the police report is used for verification.
The documented injury is measured against one of the two schedules on this page: serious injury, or catastrophic injury.
Whether the at-fault party carries standard or commercial insurance coverage determines which of the two matching tiers the case falls into.
Tiers 1 and 3 share the serious injury schedule and differ only by the coverage behind the at-fault party. Tiers 2 and 4 share the catastrophic injury schedule the same way.
Ambulance transported with a documented injury on the serious injury schedule. At-fault party carries standard insurance coverage.
Taken directly from the scene to hospital with an injury on the catastrophic schedule. Standard coverage behind the claim.
Ambulance transported with a documented injury on the serious injury schedule. At-fault party carries commercial insurance coverage.
Taken directly from the scene to hospital with an injury on the catastrophic schedule. Commercial coverage behind the claim.
A soft tissue complaint with no imaging, no treatment plan and no emergency transport does not qualify on any tier. 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.
Injury schedules describe the qualification criteria for each tier and are used to determine whether a delivered case meets the agreed specification. They are not a medical classification and are not a representation about the value of any individual claim. Any case that does not meet the stated criteria for its tier is replaced at no charge on notice within 14 days. All charges cover marketing services, media investment, technology infrastructure, and administrative intake operations. Actual settlement values, coverage, timelines and outcomes depend on the facts of each case and the firm's own work. No outcome or recovery is guaranteed, and nothing on this page is legal or medical advice. The MVA Guy and its partners are not law firms, do not represent to be law firms, and do not operate as such. Firms remain responsible for compliance with the rules of professional conduct and attorney advertising rules in their jurisdictions.
Book a discovery call to walk through the injury schedules, coverage requirements, and projected case flow for each tier.