On October 9, 2008, Tate Moran was injured in a motor vehicle accident. At the time of the accident, Ms. Moran was only 13 years old and as a result, her mother assisted her in filling out an Application for Accident Benefits (OCF-1) and Activities of Normal Life Form (OCF-12). Both forms were submitted to Economical Mutual Insurance Company on November 12, 2008, as well as a Disability Certificate (OCF-3) indicating that Ms. Moran did not suffer a complete inability to carry on the activities of her normal life.