The client was not even born yet when her parents were in a rear end accident. Mom, whose due date was two months off, was taken from the scene by ambulance to be checked out at the local hospital following an accident in rush hour traffic. Once there, the doctors were concerned for placental abruption or fetal hemorrhage and admitted the mother for observation. Their daughter was born the next day. While the parents’ cases settled quickly, the daughter’s case lingered on. Although she had healthy Apgar scores at birth (9/9), she developed health problems during the first year. The parties waited five years to settle her case in order to try to parse out which, if any, of her health problems were caused by prematurity and which were not. Eventually, with the help of a mediator, a compromise was reached wherein the case settled for $125,000, with the proceeds to be placed in a special trust for the child’s future needs not covered by health insurance.