Spencer Wood was 10 when a truck carrying a motor home moved into the lane of travel of the vehicle in which he was riding, seriously injuring him. The initial lawsuit was against the trucking company that owned the truck, Bennett Trucking. Bennett Trucking had used their long time insurance agency to procure their insurance for that year, and their agency had purchased liability insurance from Tri-Continental Ins. Co. Bennett had paid almost one million dollars in premium. After the accident, Bennett Trucking discovered that Tri-Continental was not a real insurance company, but a sham company run out of St. Kitts and Nevis in the Caribbean. As part of Bennett’s settlement with the Wood family, Bennett agreed to let this firm pursue a recovery for fraud and breach of contract against Tri-Continental. After diligent research and effort by Clay Hornsby that followed a money trial from California to Ireland to Jamaica to St. Kitts and Nevis, approximately $1,000,000 was collected back from the individuals who ran the sham insurance company.