Kelly was a passenger in a vehicle driven by her husband. Her husband was attempting to take a drink of water while driving and began to choke. He lost control of his car and went into oncoming traffic, which caused a tremendous collision. The insurance company claimed that it was "an act of God," and initially wanted to deny all the injury claims to Kelly and her two children, who were backseat passengers. Investigation revealed a different story and eventually policy limits were paid of $100,000 for Kelly and an additional $160,000 for her two children. Steve Terry put her children’s cases together in an annuity with a qualified assignment and they will receive compensation through age 25 on a tax-free basis.