One driver was seriously injured in a motor vehicle accident and became permanently disabled due to a traumatic brain injury. The injured driver had a disability contract with an insurance company that provided for subrogation rights upon settlement with the party responsible for the accident. After settling with the responsible party, the injured driver negotiated a settlement with the insurance company regarding their subrogation rights. However, the insurance company later demanded a second subrogation payment, which the injured driver refused. The insurance company then stopped paying monthly disability benefits, causing the injured driver severe mental and emotional distress and financial hardship.