An independent courier driver was severely injured in a motor vehicle crash, where the other driver was 100% at fault. The hospital bills were staggering. The occupational accident insurer denied coverage. During litigation, the carrier agreed to pay all of the previous denied bills, plus $600,000.00 to the courier for aggravations to her injuries, and emotional distress, from the denial of coverage. The settlement was originally confidential. However, the carrier subsequently agreed to rescind confidentiality so that it could sue the IME doctor advising it not to pay the claim.