Frequently Asked Questions

For many straightforward cases, yes. The math works like this: because accident lawyers take 33% off the top, they have to increase your insurance offer by 50% just for you to break even. So a $10,000 offer with a lawyer taking a $3,333 fee puts less in the pocket of an injured consumer than a $6,500 settlement with no lawyer, for instance. With Mighty, you keep 100% of the settlement. We focus on the actual money that hits your bank account rather than just the total settlement number.

If the insurance company refuses to make a fair offer, we will connect you with a vetted lawyer for a free second opinion. We’ll help you find a lawyer to guarantee they only get paid if they can improve your offer. If an lawyer isn't willing to make that guarantee, it’s a signal that your current insurance offer may already be fair.

Mighty is a technology company, not a law firm. Mighty's free AI helps you build a claim file, submit it to the insurance company, and get a settlement offer. From there, you can settle through Mighty and keep 100%, or have lawyers from our network bid on whether they can win you more.

Mighty doesn't charge you anything, even when you use Mighty’s AI to settle directly with insurance. The only time we make money is if you hire a lawyer from our network. In those cases, that lawyer may pay us a lead generation fee. The fee comes from the lawyer, not from you, and you'll never pay more than you would have otherwise.

Lead-gen services usually pass a client to a firm right after intake, as fast as they can. Mighty works the other way: in most cases it’s in the client’s interest to wait to hire a lawyer until they have the insurer’s best offer. For you, that means cases that usually come with documentation already gathered, from clients waiting to hear whether a lawyer can improve on the offer they have. There’s no commitment and no monthly spend.

No. It tells you whether the firm will take your case. And even that is not that informative because most lawyers will take most cases if they're guaranteed to take a fee on your whole settlement, even the part that the insurer would have paid you without their help. Nobody can tell you what your claim is worth, a lawyer included, without your records, your bills and the insurer's policy limits.

Today, most cases are car accidents. For those, firms propose a fee and the client chooses who to connect with. Mighty Counsel also refers slip and fall, product liability, medical malpractice and other cases directly to network firms that fit the client’s needs.

Not in a way you can rely on. A settlement calculator only knows what you type in. An insurer builds its offer from your records, bills and police report, and that's where a real number comes from. For instance, you could have a million-dollar case, but there may only be $100,000 of insurance coverage to pay you. Is your case worth $1 million or $100,000, or is it worth $66,666.67 if a lawyer takes a third?

Most of settling a claim is paperwork, even if it doesn't feel that way when the accident happens. Mighty builds your case file, gets you a real offer from the insurer, and routes your payment to you if you accept. Lawyers are for legal work, which usually only matters once your treatment is done and the insurer still won't pay what it takes to get you back to where you were. Once you have an offer, you can keep it, or see if a lawyer can improve on it.

Nothing. There is no application fee, no commitment and no charge to receive and review cases from the network. Mighty Counsel is compensated only when your firm settles a case that we referred to you.

Many claim value pages are really just lead generation for law firms. And you'll know in seconds because after they ask you questions, they'll tell you a law firm is going to call. We're not against law firms. We're against starting with them. Mighty can be paid by lawyers too. The difference is that with Mighty, you can go from start to finish without ever sharing your case with a lawyer. And we discourage almost everyone from starting with a lawyer before they have the insurer's best offer.

Yes. Mighty comes with no obligation. If you want to hire a lawyer, you can always do that.

Mighty Counsel earns a referral fee, paid as a 30% split (excluding FL and LA) of the handling attorney's contingency fee, consistent with standard industry referral arrangements.

No. Mighty gets you the insurer's best offer and second opinions from lawyers, free. You don't sign with a lawyer to find out what your claim is worth, and you don't have to accept the offer. The decisions that bind you, like accepting an offer or settling, are always yours.

Yes. Lawyer's usually take 33-40% of your settlement. If you already have an offer with Mighty, we'll supply contractual language you can use to make sure the lawyer only gets a fee if they improve on your offer.

For car accident cases, the client's total pre-lit fee is capped at 32.5% of the gross settlement. Where the client has an insurer's offer, your fee applies only to what you recover above it. Other case types run on the terms of your network agreement.

The Insurance Information Institute says that in 2024, insurers paid an average of $28,278 per injury claim against an at-fault driver. That's an average of many very different claims, so it can't tell you what yours is worth.

If you've only contacted a lawyer, you haven't committed to anything. You can still use Mighty to build your case file and get the insurer's offer first, then decide whether you want a lawyer at all. If you've already hired one, your lawyer handles your claim, and Mighty can only give you general information.

Reviewing a case takes minutes, not an intake cycle. Every case includes the key facts a lawyer needs to decide quickly. If a case isn't a fit, you'll know fast. If you propose and aren't chosen, you've spent a few minutes, far less than a cold intake call. Over time, you'll see your proposal history and how often clients choose you.

Yes. Mighty shows you clear, data-backed information about your claim, and you stay in control at every step.

Some will. We encourage firms to offer the most competitive rate they can, especially given that much of the early intake and case-building work may already be completed through Mighty's AI-driven process. But firms are not competing on price alone. Your proposal also gives you the opportunity to explain your experience, track record, and why your firm is the right fit for the client's case. That said, if your economics require a fee that won't be competitive on a given case, you can simply decline the opportunity. There is never any obligation to participate.

Yes. We're happy to walk you through a redacted sample case file on a short call so you can see exactly what arrives at your inbox.

Your contingency fee applies only to money recovered above the client's offer, meaning the highest offer they have when they sign with you. Every case shows where that offer came from.

Mighty Counsel connects you directly with the client and sends the full case file, including their name, contact information and every document gathered. From there, you handle the rest of intake, the retainer and representation as you normally would.

Mighty Counsel's referral fee structure mirrors standard attorney referral arrangements, which are permissible in all 50 states when properly disclosed. We provide model disclosure language and a retainer rider that satisfies disclosure requirements, and our structure is reviewed on a jurisdiction-by-jurisdiction basis.