You get hit by someone who runs a red light. You're seriously injured. Hospital bills pile up. Your life is upended.

Then you find out the person who hit you only carries state minimum insurance — $25,000. And your medical bills are already over $100,000.

That's when you realize: your own insurance probably won't cover you either. Because most people don't have underinsured motorist coverage.

In Episode 3 of It's Not Fair, Justin Peterson sits down with Kellie Collins — Managing Partner at Peterson Law — to talk about the coverage most people don't have, don't understand, and desperately need.

TOPICS COVERED:

• What underinsured and uninsured motorist coverage actually is (and why you need it)
• Why state minimum insurance limits ($25,000) aren't enough to cover serious injuries
• The shocking percentage of drivers on the road with little to no insurance
• Real case examples: What happens when someone doesn't have UM/UIM coverage
• How much coverage you actually need (and how to figure it out)
• How to check your own insurance policy — and what to look for
• What UM/UIM coverage actually costs per month (spoiler: less than you think)
• Stacking vs. non-stacking coverage explained
• How UM/UIM claims actually work
• Why your own insurance company fights you on these claims
• When you need an attorney for a UM/UIM claim
• Why insurance companies make lowball offers

THE BOTTOM LINE:

One in four drivers has no insurance at all. Most of the rest carry only $25,000 in coverage — which doesn't even cover a week in the ICU.

If you get seriously injured by someone else, your only real protection is the coverage you bought to protect yourself from their irresponsibility.

This episode is a wake-up call. After listening, you'll understand exactly what your policy covers (or doesn't cover) — and what to do about it.

ABOUT THE GUESTS:

Justin Peterson is the Founding Partner of Peterson Law Office. He focuses on catastrophic injury, medical malpractice, and wrongful death cases. When he's not fighting hospitals and insurance companies, he's hosting It's Not Fair.

Kellie Collins is Managing Partner at Peterson Law. With 8 years of experience defending insurance companies before switching to the plaintiff side, she understands exactly how insurance companies operate — and how to fight back.

ABOUT IT'S NOT FAIR:

It's Not Fair is a podcast about catastrophic injury and insurance cases — and why the system is designed to protect institutions over people. Hosted by trial attorneys Justin Peterson and Masten Childers lll, each episode exposes the moments that determine outcomes before most people know the game's started.

New episodes drop monthly.

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.

What happens when a hospital makes a catastrophic mistake?

There's a playbook that gets activated in the first 24 hours — risk management protocols, legal coordination, evidence preservation strategies. Most families have no idea it's happening. And most attorneys don't know what to look for.

In Episode 2 of It's Not Fair, host Masten Childers sits down with Adam Havens, Senior Counsel at Whiteford Taylor Preston, to discuss what happens when hospitals shift into institutional protection mode after a medical error.

In this episode, we cover:

What triggers the shift from cooperative to defensive (and how to recognize it)
The evidence that disappears in the first 48 hours if attorneys don't act immediately
Why resource asymmetry determines outcomes before cases even reach trial
When attorneys should recognize they're in over their heads and refer immediately
What it actually costs to properly litigate complex medical malpractice cases
The first-week playbook: what to do in the first 24 hours after taking a case

About the Guest:

Adam Havens is Senior Counsel at Whiteford Taylor Preston with over 20 years of experience in medical malpractice litigation. He has tried cases from both sides of the table — defending hospitals and representing patients — giving him unique insight into the institutional defense playbook.

About It's Not Fair:

It's Not Fair is a podcast about catastrophic injury and medical malpractice cases — and why the system is designed to protect institutions over people. Hosted by trial attorneys from Peterson Law, each episode exposes the moments that determine outcomes before most people know the game's started.

This episode is attorney-focused strategy. If you handle personal injury but get calls on medical malpractice cases, this conversation will show you exactly what separates attorneys who can handle this work from attorneys who can't.

Connect with Peterson Law and Whiteford:
Website: https://www.justinpetersonlaw.com
LinkedIn: Peterson Law
Facebook: @JustinPetersonLawKY
Instagram: @peterson_law_office

New episodes drop monthly..

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.

In the first episode of It's Not Fair, trial attorneys Justin Peterson and Masten Childers lll discuss the moment they each realized the legal system doesn't work the way they thought it would. From the institutional tactics deployed in the first 72 hours after a catastrophic injury, to the invisible mistakes that permanently damage cases, to why powerful institutions have information advantages that most people never see — this conversation exposes how outcomes get decided long before anyone realizes the game has started.

This isn't legal education. This is insider knowledge about what actually happens when someone's life is destroyed and the other side has a playbook. No sales pitch. No verdict bragging. Just the conversation that needs to happen publicly.

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.