On July 13, 2003, Client was struck by a motor vehicle while she was riding her bicycle. She sustained a fracture of the left medial malleolus and a fracture to the left ankle, which required surgery. The case settled with the bodily injury carrier for the policy limit of $20,000….

On August 8, 2002, Client, (a kindergärtner) was a passenger in a bus transporting young kids to and from a summer camp. On the bus, Client was bullied and harassed by an older camper causing him emotional distress. The camp denied liability claiming that the bus driver was not responsible…