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Steven Gursten
Steven Gursten
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State Farm says elderly and disabled people in wheelchairs have to purchase auto insurance

4 comments

State Farm demands disabled man buy insurance for his motorized wheelchair that doesn’t even exist, denying him medical care and No Fault benefits

Man in motorized wheelchairState Farm has pulled an unbelievable dirty trick on a disabled man who was hit by car while crossing the street in his motorized wheelchair.

The insurer is refusing to pay No Fault benefits to Mr. George Veness of Shelby Township, Michigan because Mr. Veness didn’t have Michigan No Fault auto insurance – for his motorized wheelchair.

Here’s a link to a recent news report from Jameson Cook of The Macomb Daily.

State Farm’s legal position is that Mr. Veness’s motorized wheelchair is a “motor vehicle,” therefore he was uninsured and is not entitled to No Fault insurance benefits that he would receive since he was hit by a car under Michigan law. State Farm says any wheelchair or any motorized scooter should have No Fault insurance just like a car or truck – even though there is presently no insurance company that is even selling such a coverage, including State Farm.

And because Mr. Veness was “driving” his wheelchair (according to State Farm) without such automobile insurance, State Farm further contends that he should be denied all No Fault PIP benefits, such as reimbursement for his medical expenses and a surgery he desperately needs.

Under the Michigan No Fault law,  Mr. Veness would be entitled to No Fault because he was struck by a car in his wheelchair. Therefore, he’s able to bring a PIP claim for his No Fault benefits from the at-fault vehicle that struck him.

The giant insurer, along with Farm Bureau Insurance Company – the insurance company that insured the car that hit Mr. Veness – also says he should be further barred from bringing a pain and suffering lawsuit under Michigan’s auto laws.

Is this a sign of things to come? Will State Farm be saying all of the approximately quarter million elderly and disabled people in scooters and wheelchairs across the nation today are uninsured?

For more information and insight from auto insurance industry insiders, take a look at my recent blog “Do you need No Fault insurance for wheelchairs?”

Mr. Veness has used a motorized wheelchair since a 2004 work accident left him paralyzed from the waist down.

State Farm’s legal position in the Veness case is absolutely outrageous. It discriminates against the elderly, the disabled and anyone who uses a motorized wheelchair in Michigan.

For example, members and patients of the following groups would be drastically affected (i.e., they would be transformed into “uninsured motorists” for riding in their wheelchairs) if State Farm’s distorted legal interpretation of the No Fault law were accepted:

  • AARP Michigan
  • Michigan Paralyzed Veterans of America
  • Disability Network of Michigan
  • Michigan Office of Services to the Aging
  • Michigan State Medical Society
  • Brain Injury Association of Michigan
  • Eisenhower Center
  • Mary Free Bed Rehabilitation Hospital
  • Hope Network
  • Walk The Line To Spinal Cord Injury Recovery
  • Rainbow Rehabilitation Centers
  • Michigan Spinal Cord Injury Association

To read more of my legal analysis about this astonishing case, take a look at my recent blog post:

Are all elderly and disabled people in Michigan who use motorized wheelchairs “uninsured drivers”?

4 Comments

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  1. Sebastion Hermosillo says:
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    Does this mean my kids in their power wheels would be uninsured motorist

  2. Lexi says:
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    We don’t need a motor vehicle license to use a wheelchair. Wheelchairs are not required to be registered at the DMV. Wheelchairs are not driven on public roadways. Motor vehicles are not allowed to be driven on sidewalks and through grocery stores.

  3. Roger Poe says:
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    Grandparent motor control expressed behind a baby stroller..Should allow insurers to see strollers as a viable “motorized vehicle” risk to insure..

    All Farmers Insurers & Co. may sell the new product offer as.. “Grandparent Powered Protection You Can Depends On”

  4. George Veness Jr. says:
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    This is my father, he has taken a turn for the worse, we are all praying. Not sure how a mans life has no value, rather try fancy wording to not pay for his surgery and all other needs due to the accident. What if its your parent?!