Ms. K was involved in a car accident on November 19, 2009. Within a few days of the accident (on November 23, 2009) Ms. K reported the accident to her family physician and complained to him of an exacerbation of her symptoms. She applied for and received statutory accident benefits from State Farm Mutual, but when disputes arose concerning Ms. K’s entitlement to certain accident benefits, and mediation failed, Ms. K applied for arbitration at the FSCO.