On March 7, 2017, claimant John Collins was driving on Temecula Parkway, in Temecula. While he was stopped at a red traffic signal, his vehicle’s rear end was struck by a trailing vehicle that was being driven by an uninsured motorist. The collision caused Collins’ vehicle to strike two more vehicles. Collins claimed that he suffered of his chest. Collins sought recovery via the supplementary-uninsured-motorist provision of his insurance policy, which was administered by Nationwide Mutual Insurance Co. Collins claimed that the uninsured motorist was speeding and unable to slow down, causing the four-vehicle collision. Nationwide did not dispute liability., Collins sustained a fracture of his big toe on a foot and trauma to a knee. He also claimed that the collision caused him to suffer cardiovascular issues. He was treated for his condition after the accident, but he claimed that his led to deep vein thromboses and blood clots. The blood clots ultimately caused a bilateral pulmonary embolism, which led to the need for six cardiac catheterizations. Collins suffered a second pulmonary embolism, which he claimed was also related to the accident. Collins’ counsel asserted that the knee trauma and toe fracture caused the deep vein thromboses and blood clots. He also asserted that Collins was ruled out as being genetically predisposed to blood clots. Nationwide’s counsel agreed that the blood clots were related to the car crash but disputed both the extent of the alleged and the warranted compensation for those .