No. 09-3880. Submitted Under Third Circuit L.A.R. 34.1(a) on December 14, 2010. Opinion Filed: February 2, 2011. On Appeal from the District Court of the Virgin Islands (D.C. Civ. No. 04-cv-00036), District Judge: Hon. Lawrence F. Stengel. Maria Anders, Marietta, GA, pro se. Rich Anders, Marietta, GA, pro se. Before: FUENTES, SMITH, and FISHER, Circuit Judges. OPINION OF THE COURT FUENTES, Circuit Judge: This matter arises from injuries incurred as a result of a May 23, 2003 car accident involving