On July 21, 2011, claimant’s decedent Joey Dellamora, 18, was a passenger in a vehicle operated by Leslie Olimpio on a dirt road at a brussels sprout farm, located at 5511 Coast Road in Santa Cruz County, when Olimpio lost control, and skidded off a loose dirt and gravel road. The vehicle ultimately crashed into a pond at the bottom of a steep brush embankment and began to fill with water. Olimpio was able extricate himself from the vehicle, but Joey could not get free and drowned while trapped inside the vehicle as it sank in the pond. Joey’s parents, Steve and Ann Dellamora, sued Olimpio for motor vehicle negligence. They also sought further recovery via the supplementary-underinsured-motorist provision of their own insurance policy, which was administered by Farmers Insurance Co. The claimants contended that Olimpio was driving at a high rate of speed when he lost control of the vehicle., Joey drowned while trapped in the vehicle that sank to the bottom of a pond. He was 18 years old at the time of his death. Joey’s parents sought recovery of damages for their son’s wrongful death.