Denny Gallagher, 17, was lawfully operating his motorcycle on Blue Ridge Blvd. in Grandview, Mo., when another driver pulled out in front of him. Denny laid his bike down to keep from broad-siding the driver, but he suffered tragic brain-stem damage even though he was wearing a helmet. The driver had $1.1 million of insurance, which Cain and Cain collected within 90 days of being retained.