I have liability on my vehicle. At a red light, other vehicle rear ended me damaging my motorized wheelchair and lift. No damage to body of vehicle. Her Insurance adjuster(Geico) will be coming to inspect my vehicle. Who and how will I get my wheelchair and lift fixed as I am dependent on them? Should I inform or mention to adjuster?
Of course you should mention the damage to the wheelchair and lift. You should call the medical supply company where you got the wheelchair and lift and ask where you can repair them if possible. If not repairable, then you will need to get the cost to replace them. GEICO may try to reduce payment for depreciation so if you a receipt of the items that may be helpful.
Get medical help if you are injured, and then contact a personal injury attorney to assist you with your claim. Many handle these cases with no upfront out oF pocket costs.
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Beware of Geico. They are not your friend.
Personal injury cases only; I'm good at it; you be the Judge! All information provided is for informational and educational purposes only. No attorney client relationship has been formed or should be inferred. Please speak with a local and qualified attorney. I truly wish you and those close to you all the best. Jeff
Contact a personal injury attorney immediately for a free consultation. You may develop injuries and require treatment so anything you say to the adjuster now will be adverse to your position down the road. The appraiser will inspect the lift and wheelchair and determine the scope of the damages. They will then issue payment for the appraised amount. Do not sign anything without first consulting with an attorney as you could likely sign away your bodily injury rights.
If your vehicle has comp/collision coverage simply make a claim with your insurance carrier for the damage to the lift and wheelchair. Make sure that you have photos of the damage to the lift and the wheelchair. Have your carrier come out and inspect your vehicle, the lift and the wheelchair. If you go through your own insurance carrier, they can simply seek recovery of the repairs from Geico.
Since you do not mention it, I assume there is no personal injury. As for your property damage claim, you have two ways of doing it. You can have the carrier for the car that hit you pay for your damages. or, you can have your own carrier pay you for the damages (this is called collision insurance) and then the carrier will go after the other carrier. please make sure you have your title ready and proof of the costs associated with fixing the wheelchair and lift. You may want to see a mechanic and get an estimate for the repair and you can compare that with what the carrier will offer you. good luck.
By all means mention them, inform him and show him them!! He will likely try to pay a "depreciated" amount rather than replacement value!
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