time and my relationship with the company had not ended well. The arrangement was one whereby I was given office space in exchange for investigating arson and wrongful-death claims. Mary Bellflower was a recent hire in those days, a newly married twenty-four-year-old with a fresh, pretty face and a sharp mind. Now she had four years’ experience under her belt and she was a pleasure to deal with. I checked her desktop as I sat down, looking for framed photos of her husband, Peter, and any small tykes she might have given birth to in the interim. None were in evidence and I wondered what kind of luck she’d had with her baby plans. I thought it best not to inquire so I got on with the business at hand.
“So what’s the deal here?” I’d asked. “Is Gladys Fredrickson for real?”
“It looks that way. Aside from the obvious—cracked ribs, cracked pelvis, and torn ligaments—you’re talking about soft-tissue injuries, which are difficult to prove.”
“All this from a fender-bender?”
“I’m afraid so. Low-impact collisions can be more serious than you’d think. The right front fender of the Fredricksons’ van struck the left side of Lisa Ray’s car with sufficient force that it spun both vehicles in a postcollision rotation. There was a second impact when Lisa’s right rear fender came in contact with the van’s left rear fender.”
“I get the general idea.”
“Right. These physicians are all doctors we’ve dealt with before, and there’s no hint of fraudulent diagnoses or padded bills. If the police hadn’t cited Lisa, we’d be a lot more inclined to dig in our heels. I’m not saying we won’t fight, but she’s clearly in the wrong. I sent the claim on up the line so ICPI could take a look. If the plaintiff is claim-happy, her name should show up in their database. On a minor note—and we don’t think it pertains to this situation—Millard Fredrickson was handicapped in an automobile accident some years ago. Talk about someone plagued by misfortune.”
Mary went on to say she thought Gladys would end up accepting a hundred thousand dollars, not including her medical expenses, a bargain from the company’s perspective as they could sidestep the threat of a jury trial with its attendant risks.
I said, “A million bucks reduced to a hundred grand? That’s a hefty discount.”
“We see it all the time. The attorney tacks on a big price tag so the settlement will look like a good deal to us.”
“Why settle at all? Maybe if you stand your ground the woman will back off. How do you know she’s not exaggerating?”
“Possible, but not likely. She’s sixty-three years old and overweight, which is a contributing factor. With the office visits, physical therapy, chiropractic appointments, and all the medications she’s on, she’s not able to work. The doctor’s suggesting the disability may be permanent, which is going to add yet another headache.”
“What kind of work does she do? I didn’t see it mentioned.”
“It’s in there somewhere. She does billing for an assortment of small businesses.”
“Doesn’t sound lucrative. How much does she make?”
“Twenty-five thousand a year, according to her. Her tax returns are privileged, but her attorney says she can produce invoices and receipts to back up her claim.”
“And Lisa Ray says what?”
“She saw the van approach, but she felt she had ample time to make the turn, especially since Millard Fredrickson had activated his right-turn signal and slowed. Lisa started into the turn and the next thing she knew the van was bearing down on her. He estimated his speed at less than ten miles an hour, but that’s nothing to sniff at when a thirty-two-hundred-pound vehicle is banging into you. Lisa saw what was coming but couldn’t get out of the way. Millard swears it was the other way around. He says he slammed on his brakes, but Lisa had pulled out so abruptly there was no way to avoid plowing into her.”
“What about