I have been asked to review a case of a 9yo female > 1 yr out from a motor vehicle accident...restrained, rear seat, "bumped" her head on the seat in front of her. No loss of consciousness or other apparent injuries. Seen over the following year for neck strain, headaches, etc. And then finally was noted to complain of abdominal pain. Found to have a "fascial defect" that was "tiny" in her umbilicus. No protruding hernia noted. Taken to OR and a distinct hernia was documented. The question obviously concerns "who pays?" In other words, was this due to the accident?