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  • Totalled w/c...ideas?

    I was wondering if anyone else has done or knows anyone who's done anything similar to this, and if anyone has any advice.

    I was out with a friend last night. It was foggy and raining on n off so we covered my w/c with a garbage bag and put it in the back of the truck. We had my cushion up front with us. I've done this many times without incidence, but also without it being covered in a garbage bag. I think the bag trapped enough wind to lift the chair out of the bed of the truck n onto the interstate. It immediately got hit by a big truck, n then at least one other car. No one was hurt thankfully, but my w/c obviously didn't make it. With it being foggy and the larger pieces of the w/c being off of the road I told my friend not to risk trying to get any remains. I imagine I could have someone go today to try recovering some of it for proof if necessary.

    I guess my question is, is there any chance of getting another chair through insurance? I'm a veteran, and have medicare, as well as medicaid. I have a power-chair and my original rigid-framed chair which I can neither use well, nor will it fit into an avg trunk, including that of my parents' car. Does anyone have any advice or similar experiences? Thanks in advance.

    Tim
    "Don't Die Wondering" _ Alicia Molik

  • #2
    I have yet to experience this, but I am sure I will, that's just me [img]/forum/images/smilies/biggrin.gif[/img]. You might try your or Automobile insurance. You never know, I pay $75 a year for insurance just for my chair. Good luck man...

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    • #3
      No advice, just a "Sorry, man!" Tim, how DO you get yourself in these situations?

      Teena[img]/forum/images/smilies/frown.gif[/img]

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      • #4
        Funding issues are my weakest link but I will get back with you (ask the Social 'worker at work) or ask KLD.

        I am sure that there is a way you can get another one. Of course, it would require a prescription etc....proof? Probably- this is the federal government we are talking about.
        Your physician should document this in his notes to explain the reason he is requesting another one.

        CWO
        The SCI-Nurses are advanced practice nurses specializing in SCI/D care. They are available to answer questions, provide education, and make suggestions which you should always discuss with your physician/primary health care provider before implementing. Medical diagnosis is not provided, nor do the SCI-Nurses provide nursing or medical care through their responses on the CareCure forums.

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        • #5
          If I must I'll check into the insurance possibility Mike, n thx as I really hadn't thought of that option. I'm still hopeful it won't come to that though.

          A couple friends recovered a wheel n some of the frame this morning so I obviously have proof now, n I must say mangled only begins to describe it. Oh n teena, I'm cursed, what can I say!

          Again, any more advice would be appreciated. I'm truly wondering if I should mention having the rigid-framed chair. I know I told them of it when I got the other chair in the first place so I'm unsure as to what to do. Again thanks in advance.

          Tim
          "Don't Die Wondering" _ Alicia Molik

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          • #6
            Had a friend who went 4 wheelin. Put his racing chair in the back of his freinds truck. Chair flew out. They didn't see it and ran it over. Medical insurance wouldn't give him another but his car insurance covered it. Then his rates went up....
            "Never argue with an idiot; they'll drag you down to their level and other people may not be able to tell the difference."

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            • #7
              Tim,
              What a story....
              Besides the obvious auto insurance, if you have homeowner's or renter's insurance, try that. It covers many things in the home, but maybe not for damage.
              and Mike,
              Where does one get w/c insurance?
              Carl

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              • #8
                Carl, we got a 'household' insurance policy specifically for the wheelchair (Permobil), through State Farm. I think it's about $600 a year. Talk to your insurance agent; ours knew of no specific wc policies, but was able to get ours covered through 'special items' or something like that.

                It would seem that auto and/or homeowner's would cover the cost for replacement, tho.

                _____________
                What people say, what people do, and what they say they do are entirely different things. - Margaret Mead
                _____________

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                • #9
                  Tim, I'd try your homeowner's insurance policy. You probably have a deductible of $250, $500 or $1000 though. Also, you might have had to itemize it with your insurance company beforehand as specialized medical equipment. I think that's what my homeowner's policy says. You could also contact a local TV station and perhaps they would do a story on it and you might get some donations from the local folks....after all it is the "giving season".

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                  • #10
                    Tim, try your auto or homeowner's insurance, but if you are an eligible veteran, you are entitled to DME coverage through your local VA. You would need a prescription from a VA physician (ideally from your VA SCI Center so you get what you really need). You do not need to get the rest of your medical care at the VA to do this. Your closest SCI Center would be in Memphis I assume, your local VA should have a support clinic that is in regular communication with them. We have replaced chairs under similar circumstances a number of times (just don't make a habit of it or they will start to question it!!!).

                    (KLD)
                    The SCI-Nurses are advanced practice nurses specializing in SCI/D care. They are available to answer questions, provide education, and make suggestions which you should always discuss with your physician/primary health care provider before implementing. Medical diagnosis is not provided, nor do the SCI-Nurses provide nursing or medical care through their responses on the CareCure forums.

                    Comment


                    • #11
                      Carl, I have mine through State Farm...

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                      • #12
                        the auto policy should cover it if he has full coverage minus the deductable.

                        T-10 complete
                        10/08/01
                        "Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well-preserved body, but rather to skid in sideways, chocolate in one hand, martini in the other, body thoroughly used up, totally worn out and screaming 'WOO HOO' what a ride!"
                        T-10 complete
                        10/08/01
                        "Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well-preserved body, but rather to skid in sideways, chocolate in one hand, martini in the other, body thoroughly used up, totally worn out and screaming 'WOO HOO' what a ride!"

                        Comment


                        • #13
                          I only got one Chair Covered before and that was when I got hit by a Car head on (the drivers fault, his insurance paid) and my chair was smashed into about 20 pieces. Every other chair I have had, paid for out of pocket. If you are not able to get it covered through the VA, you might just be best off paying out of pocket rather than the home owners or Auto policy as it will only raise your rates. Better not do the News article idea, you will probabley be getting letters from people making claims against you whose cars were damaged by your chair in the road. Better off to keep it quite.
                          "Life is about how you
                          respond to not only the
                          challenges you're dealt but
                          the challenges you seek...If
                          you have no goals, no
                          mountains to climb, your
                          soul dies".~Liz Fordred

                          Comment


                          • #14
                            Try The VA

                            I too, am a Vet, and both my power chair and manual ride are "titled" to the VA. The VA provides all maintenance and parts for repairs. Recently got new batteries for my power chair. I think the VA would be sympathetic to your plight and offer you a new chair, provided that you are receiving VA care. I'm not sure an insurance company gives a hoot whether you ride or stay at home. Also, my Elks lodge provides a well maintained loaner chair--perhaps there's a local organization that can help until a permanent repacement comes. The VA has been very good to me since my injury

                            Comment


                            • #15
                              CMS just released information regarding its coverage policy for
                              wheelchairs. Following is a link to the press release and related
                              materials. Public comments are due January 14th.

                              http://www.cms.hhs.gov/media/press/r...p?Counter=1286

                              Issue

                              CMS has received numerous comments and undergone several evaluations of its
                              policies and practices in the reimbursement of wheelchairs. Due to the
                              complexity of the issues, CMS formed a federal agency workgroup to propose
                              changes to its current guidelines for wheelchair provision. This workgroup,
                              the Interagency Wheelchair Work Group (IWWG), made several recommendations.
                              "Don't Die Wondering" _ Alicia Molik

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