(Bloomberg) – Jennifer Smith doesn't like the term"accident." It implies too much chance and too littleculpability.

A "crash" killed her mother in 2008, she insists, when her carwas broadsided by another vehicle while on her way to pick up catfood. The other driver, a 20-year-old college student, ran a redlight while talking on his mobile phone, a distraction that heimmediately admitted and cited as the catalyst of the fatalevent. 

"He was remorseful," Smith, now 43, said. "He never changed hisstory."

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