I'm curious about the insurance aspect. Are wheelchairs and ECVs covered under a special policy or maybe homeowners or auto policies?
If you hit something while driving an
ECV and a police report is filed, do the police consider it a motor vehicle accident which would be covered nutter an auto policy.
Wow, I hadn't ever thought about this part of things before.
A bit OT, but this is why you will see a license plate on any and all powerdriven aids used outside of the home in the Netherlands. The license plate is directly connected to it's insurance, which covers injury, damages etc. when for instance running into somebody. Standard coverage consists of almost all of the EU. Those of us smart enough to know the insurance market, will take out extra insurance when travelling outside of the EU (not so much for hitting someone, as for damage done to chair by 3rd parties) that will cover basically any and all damages for whatever reason to be covered right upto new price. And NO this is not considered covered under car insurance. Different type of vehicle, different type of insurance needed. Just like we need seperate insurance for a motorcycle, can get seperate insurance for a bike etc. For us it depends on the situation if you will be seen as a driver or a pedestrian in the eyes of the law, for instance on a sidewalk in walking speed you are a pedestrian but on a bike lane on a higher speed you are a driver.
If we were to injure someone inside your own private home (so basically anything inside, that is not public space like hospital, school etc.), that is covered under general liability insurance. As a car owner it is mandated to have car liability insurance, not so as a inside wheelchair user (whether manual or powerdriven), but most people here will have a general liability insurance anyway.
Another risk to be aware of; what if your house burns down or other disaster hits that can total your still rather new chair? Would you get a new one from the "power that be" that provided you with the chair? Would your current insurances cover it? Would it cover new price if need be or just it's worth at time of disaster? We've got a couple of types of insurance for stuff inside the home, but NONE of them standardly cover this properly. Items that are powerdriven -> excluded. Items that are any lease, loan etc. constructions - excluded. In our system gouverment pays for your chair, it is your chair to use, but on paper the company gouvernment issues to provide the chair is and will remain the owner, which then results in being seen falling under that lease-clause. All we have to do to get stuff 100% covered at new price is to inform insurance company of the aids in the home, their new price, type and brand etc. and paperwork proving indeed this was provided to you and by which gouvernment agency or health insurance company. Get's its own special coverage. I've got about 150.000,- new price covered in aids this way used within the home and pay about 1.10,- per month more in premium for that coverage. Great peace of mind not to have to fight certain gouverment agencies that very literally can demand you insure this risk and if not so, make you responsible and thus no new aid provided by them until you've reached the economical right off time for said aid (powerchair is 7 years at the moment).
We are an interesting nation when it comes to insurance. We're one of the most over insured countries of the world. But worldwide, us included, there are many options to cover risks you might run with wheelchairs, esp. powerdriven ones. Unfortunately most people are not aware of what they might be at risk for. Proper guidance is given very very few and far in between. Even in our corner of the world most parties have no clue and will inform clients with improper info. Such a shame, this is a subject that does pay off to be aware of and take informed decisions. Hopefully you'll never ever need it, put in a situation where it is needed knowledge is power.
And for those of us who cruise and/or travel abroad; be aware that laws surrounding liability might differ greatly to what we're used to at home.
Sorry for going a bit OT, but I'm a bit of a nut that has a interest in these types of subjects and differences worlwide. Takes all kinds...............
