An Independent Contractor for the Rockford Illinois Register Star declined Accident Insurance Coverage, yet attempted to get workers’ compensation for $34,000 in medical bills. Difficult complications for the Newspaper ensued. After 2-years of expensive time consuming litigation, the Carrier received nothing. However, if the Carrier had purchased Accident Insurance, there would have been no litigation. His bills would have been paid and his Independent Contractor Status upheld, thus protecting the Newspaper from litigation.