On the morning of December 29, 2017, Jilianne Warner, 27, was on the brink of starting a new chapter in her life. She had earned a master’s degree from Sullivan University and worked as an HR manager. That day, she sat at a red light on the Greenbelt Highway, driving her 2013 Scion sedan. At the same time, Defendant Christian Worley was behind the wheel of a flatbed tow truck, working for Defendant Midnight Recovery Inc. While there was some dispute over his specific task at the time, it was clear that Midnight Recovery had a contract with Defendant GEICO Insurance to offer roadside assistance to GEICO policyholders. This service was a routine offering by GEICO, facilitated through local tow companies such as Midnight Recovery Worley had already completed several towing jobs earlier that day and was fatigued. Distracted and tired, he failed to notice Warner’s car stopped at the light. He crashed into her vehicle at high speed, causing significant damage because of his negligence.