Penny was badly injured when her tour bus overturned. The bus was travelling through a rural area and the driver swerved to avoid an object on the road. Road rubbish is common in South Africa and can catch drivers by surprise, causing accidents. Penny suffered head injuries and was taken to a local hospital for treatment. She was unable to continue her tour due to her injuries and called her travel insurer for advice. Her insurer covered her medical expenses, reimbursed her for the unused part of her tour and arranged an earlier flight to return Penny home.