An attorney calls us about a case. The client got hit by a delivery driver, the injuries are serious, and the driver's policy is $50,000. The attorney has already told the client that's probably the ceiling. By the time we finished, that case had four sources of recovery the referring attorney never knew existed. Same facts. Same client. Same injuries. The only difference was knowing where to look. That gap — between what a case looks like on intake and what it's actually worth — is what this episode is about. In Episode 4 of It's Not Fair, Masten Childers III is joined by Justin Peterson, Sarah Cooley, and Kaci Christopher for an honest conversation about the specific work that determines whether a serious injury case settles for a fraction of its value or for what it's actually worth. This one is for attorneys who handle injury cases and occasionally get the big, complicated one — the case that turns out to be worth far more than the first offer suggests, if someone knows how to prove it. WHAT WE COVER The coverage hunt. Policy limits are the floor, not the ceiling. Sarah Cooley walks through how she runs coverage investigation on a case — where she looks first, how she finds umbrella and excess layers most attorneys never see, when employer liability comes into play, how corporate ownership opens additional defendants, and when a client's own underinsured motorist coverage stacks. The recurring theme: nobody volunteers coverage information. Adjusters disclose what they're required to disclose and not one dollar more. If you don't know the second and third places to look, you'll never be told they exist. Building the damages case. A client with $200,000 in medical bills does not have a $200,000 case. Depending on what gets proven, it could be a $400,000 case or a $6 million case. Justin Peterson breaks down the damages architecture that makes the difference — life care planners, economists, vocational experts, treating physicians versus retained experts, and day-in-the-life documentation — plus the honest math on what a full expert workup costs and what it returns. The first 90 days. Kaci Christopher makes the early infrastructure visible: preservation letters, the records chase, scene and vehicle preservation, and what quietly disappears when a case comes in late. If you're handling one of these right now and you haven't sent preservation letters, that's the free thing to do this week. Everything after that gets expensive. The referral relationship — straight answers. The three questions every attorney has about referring a case and nobody asks out loud: what happens to the fee, whether the referring attorney stays involved, and whether you lose the client. We answer all three directly, because vagueness here is exactly what stops good referrals from happening. THE BOTTOM LINE This isn't about whether you're a good lawyer. There are outstanding attorneys who settle cases for a fraction of what they're worth and never find out, because nobody ever tells them. The coverage was there. The damages were provable. But proving it takes a coverage investigation, real money in experts, and the willingness to try the case. If you don't have all three, the number you get is the number they offer you. So when one of these calls comes in, ask one question before you evaluate anything else: do I actually know what this case is worth? If you're not certain, it's worth a conversation before you respond to that offer — not after. ABOUT THE SHOW It's Not Fair is a podcast about the moments that determine outcomes before most people know the game's started — hosted by trial attorneys from Peterson Law and Whiteford. Catastrophic injury, medical malpractice, and the parts of the system that quietly decide who recovers and who doesn't. Peterson Law: https://www.justinpetersonlaw.com If you've got a case on your desk and you're not sure what it's worth, reach out before you respond to that offer. It's Not Fair is a podcast about the moments that determine outcomes before most people realize the game has started. Hosted by Justin Peterson and Masten Childers. New episodes monthly.
