Angus and Lily had a bad crash while riding a tandem bicycle. The couple had rented the tandem to get around the city, which had many safe bike routes and few hills. While riding on a busy road, a car cut in front of them. They swerved too hard to avoid it and accidentally steered straight into bushes. Battered and bruised, they took themselves to the nearest doctor for medical treatment. They returned to their hotel to rest, where Angus called their travel insurer and claimed back their medical bill.