Insurance Payments to the Unborn

A recent story from Alberta, Canada. The essential (and confusing) facts are as follows:

• Woman gets into a car accident while pregnant.
• Her fetus/future daughter suffers severe injuries in the crash, which was the woman's fault.
• Alberta law allows children to sue their parents for damage caused during pregnancy. So, the woman sues herself in order to recover benefits for her daughter. The woman wins, meaning she loses and her insurance company must pay benefits to the winner (the mother, acting on behalf of her daughter).
• The insurance company pays out benefits to the child.