The client's 18-year-old son was driving the insured's car on a short trip to the store with his girlfriend, the claimant. The car left the road and struck a tree. The client's son told the police that a vehicle cut him off, but there were no witnesses and no evidence of any impact with another car. The claimant has no recollection of the accident.

The claimant, a 19-year-old college student, was hospitalized for over a month with multiple fractures and internal injuries. She was in a wheelchair but is now able to walk with crutches and continues with physical therapy. She has a right drop foot as a result of the injuries. The insured's personal umbrella policy limit was paid.

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