Claimant, age 2, was on the Insured’s property with his grandparents who were there to care for 2 horses owned by the Insured. The Insured were out of town on vacation. The Claimant was kicked by one of the horses, taken to the emergency room, and then life flighted to a larger hospital.

The Claimant was given a 5% chance of survival and underwent surgery for a cracked skull (a piece of which was missing) with 30% damage to the right side of his brain. He survived and is residing in a neighboring state at a rehabilitation center. A large payment was  made under the personal umbrella policy.