That same day, Lisa had notified her insurance agent, who passed on the information to the adjuster at California Fidelity Insurance, with whom (coincidentally) I’d once shared office space. On Friday, the day after the accident, the adjuster, Mary Bellflower, had contacted Lisa and taken her statement. According to the police report, Lisa was at fault since she was responsible for making the left turn safely. Mary went out to the accident site and took photographs. She also photographed the damage to both vehicles, then told Lisa to go ahead and get estimates for the repair work. She thought the car was beyond help, but she wanted the figures for her records.

Four months later, the Fredricksons filed suit. I’d seen a copy of the complaint, which contained sufficient whereases and wherefores to scare the pants off your average citizen. Plaintiff was said to be “injured in her health, strength, and activity, sustaining serious and permanent physical injury to her body, shock and emotional injuries to her person, which have caused and will continue to cause Plaintiff great emotional distress and mental and physical pain and suffering, subsequently resulting in loss of consortium…(and so on and so forth). Plaintiff is seeking damages including but not limited to, past and future medical expenses, lost wages, and any and all incidental expenses and compensatory damages as permitted by law.”

Plaintiff’s attorney, Hetty Buckwald, seemed to think a million dollars, with that comforting trail of zeros, would be sufficient to soothe and assuage her client’s many agonies. I’d seen Hetty a couple of times in court when I was there on other matters, and I generally came away hoping I’d never have occasion to come up against her. She was short and chunky, a woman in her late fifties with an aggressive manner and no sense of humor. I couldn’t imagine what had left her with such a chip on her shoulder. She treated opposing attorneys like scum and the poor defendant like someone who ate babies for sport.

Ordinarily, CFI would have assigned one of its attorneys to defend such a suit, but Lisa Ray was convinced she’d do better with a lawyer of her own. She was adamant about not settling and she’d asked Lowell Effinger to represent her, sensing perhaps that CFI might roll over and play dead. Police report to the contrary, Lisa Ray swore she wasn’t at fault. She claimed Millard Fredrickson was speeding and that Gladys wasn’t wearing her seat belt, which was, in itself, a violation of California traffic law.

The file I’d picked up from Lowell Effinger contained copies of numerous documents: Defendant’s Request for Production of Documents, Supplemental Request for Production of Documents, medical records from the hospital emergency room, and reports from the various medical personnel who’d treated Gladys Fredrickson. There were also copies of the depositions taken from Gladys Fredrickson; her husband, Millard; and the defendant, Lisa Ray. I did a quick study of the police report and leafed through the transcripts of Interrogatories. I took my time over the photographs and the sketch of the site, which showed the relative positions of the two vehicles, before and after the collision. At issue, from my perspective, was a witness to the accident, whose comments at the time suggested he supported Lisa Ray’s account of the event. I told Effinger I’d look into it and then turned around and set up the midmorning meeting with Mary Bellflower.

Before I walked through the California Fidelity Insurance offices, I donned my mental and emotional blinders. I’d worked here once upon a 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.”