advice on URL structure for competing against EMDs of a hot keyword

(this was asked elsewhere, very unfruitfully, so asking the experts here)

Here is the question, illustrated with an example:

A law client focuses on personal injury. Their domain is nondescript.

The question comes into the URL structure for an article section of the site. This section will have several hundred 'personal injury' articles at launch, with 100+ added each month by writers (mainly by staff - hundreds of lawyers and paralegals at this firm, and we are transferring lots of content from another community forum). Most articles do not mention 'personal injury' in the titles or in the content, but focus on the many areas in which people can hurt themselves :-).

Spreading a single keyword emphasis across many pages/posts is considered poor form by many, but the counter-argument is that hundreds of articles, all with 'personal injury' in the URL, could increase the overall authority of the site for that term (and may compete more strongly with EMD competitors).

For instance, let's say Competitor A has this article:

http://www.acmepersonalinjury.com/ar...n-car-accident

And we had the following options:

Option A: http://www.baddomain.com/articles/ti...n-car-accident

Option B: http://www.baddomain.com/personal-in...n-car-accident

Of course, for the term "car accident", Option A seems on equal footing with the ACME competitor. But, what about the overall performance of the "personal injury" keyword (a HOT keyword in this space)? Would ACME always have an advantage (however slight) due to its domain? Would Option B help in this regard?

The downside of course is that this pushes "car accident" further down in the URL string, making all articles perhaps less competitive on their individual keywords.