had a rough 2010. Her 1-year-old son was tragically struck by a careless driver in a crosswalk. Two surgeries and a night in the ICU later, he died. Michelle thought she had good health insurance because her insurance company paid out $175k worth of hospital bills, leaving them with only $5k to pay themselves. They also received a suffering settlement from the at-fault driver. Things seemed good until her insurance company not only came after the $175k they paid, and they were legally entitled to do so.