This has nothing to do with motorized scooters being insured. That's just an excuse. It has to do with OLD people.
Let me tell you something sad but true: insurance companies are not going to pay a nickel for costs incurred by elderly people.
Probably fifteen years ago, my husband's mother was struck by a car while she was crossing the street in front of her home. She incurred medical costs above and beyond what her insurance paid, and we secured a lawyer to help recoup those costs from the driver's insurance.
Nearly a year went by with all kinds of excuses like those given above. Until finally the lawyer said, "Look, your mother's life is worth nothing at her age (she was probably in her late 80s at the time), according to their actuarial charts. They are just going to delay and wait for her to die.
That's the sad truth. And I just saw it repeated this past week. My father (aged 97) had an accident, slipping on ice in a parking lot, and broke his femur. Medicare and his supplemental insurance were wonderful, but my mother (also elderly) had to engage a caregiver to come stay with them at night for the first month or so he was home (that's expensive). There were also some other uncovered expenses, which were fairly significant. She just got word from the parking-lot institution's insurance company that they would not be paying anything because of yadda yadda.
I'd warned them they wouldn't get anything, and alas it came true. There are actuarial tables that tell them that someone my father's age is not worth anything. And they won't pay. You can fight them, but you'll die in the process and just use up more money. That's what they're counting on.
= new reply since forum marked as read
