I have no idea how it all transpired, as I said we were totally unaware anything had happened until months later when we received the letter from their lawyer. But there was definitely no ambulance as there's no way we wouldn't have heard that. It's funny, in retrospect on the day it happened we even woke up early to catch a flight. She and her husband both worked as a team delivering papers for their son, so I can't imagine the "screaming in agony for 30" minutes is accurate. The strangest part of this saga is the wife worked as a manager at Lockheed-Martin, and the husband and I played basketball one year together in a rec-league. I considered him more than an acquaintance, though not a close friend. I even coached their son in JV CYO basketball. None of them ever spoke to us ever again after this happened, and our insurance lawyer advised us not to reach out to them. I told my insurance that I highly doubted their story had happened, or at least in the way they claimed. Didn't seem to matter though, my insurance rolled over like a puppy and paid out the $50 grand.