Jim (not his real name) was a good guy. He and his wife of 6 years, Cindy (not her real name), had just bought a house and they were busy getting their two children settled into the house and new school. Everyone was doing well. The house was becoming home and the family was starting to turn its attention to the yard.

Cindy wanted a mailbox at the street with a flowering vine, so Jim was out at the street’s edge digging out the hard Indiana ground with a spade. In the next moment, their lives changed.

A car came around the corner and hit Jim, knocking him off his feet and landing him on the driveway, where he hit his head on the concrete. Since [...]