Advertisement

Archive for Sunday, October 23, 2011

One-vehicle accident sends two men to area hospitals

October 23, 2011

Advertisement

Two men were flown to area hospitals after a one-vehicle accident early Saturday west of Valley Falls. A 22-year-old Valley Falls man, Sterling D. Shields, was driving east on Kansas Highway 16 shortly after midnight when his 2001 Ford Pickup left the roadway. He over corrected, and his vehicle rolled multiple times and ignited into flames, according to a Kansas Highway Patrol Report. He was life-flighted to Stormont-Vail Regional Health Center in Topeka. An occupant of the truck, 21-year-old Oskaloosa man Sean Berry-Burne, was life-flighted to Kansas University Hospital in Kansas City, where he was listed in fair condition Saturday night. Two other occupants went to Stormont-Vail in personal vehicles for what are believed to be minor injuries. The condition of Shields was not immediately available Saturday night.

Comments

Mike Ford 2 years, 5 months ago

a family member of mine flipped a truck end over end west of Maple Hill on I 70 eighteen years ago. Life starred to Topeka.....three day window of survival.... ten day coma....two months at Kansas Rehab Hospital.....three months total in the hospital.....if I remember correctly Blue Cross Blue Shield cut off expenses at $125,000 and that was 1993 money. Calculate that for now. My mom died in July 2009 in a car accident and they charged us for the ambulance when she passed away at the scene. Be careful people....please....you don't get a parent back.

0

Mike Ford 2 years, 5 months ago

a family member of mine flipped a truck end over end west of Maple Hill on I 70 eighteen years ago. Life starred to Topeka.....three day window of survival.... ten day coma....two months at Kansas Rehab Hospital.....three months total in the hospital.....if I remember correctly Blue Cross Blue Shield cut off expenses at $125,000 and that was 1993 money. Calculate that for now. My mom died in July 2009 in a car accident and they charged us for the ambulance when she passed away at the scene. Be careful people....please....you don't get a parent back.

0

kernal 2 years, 5 months ago

budwhysir, the story doesn't cover what kind of insurance the injured carried and cannot due to HIPAA. Ron is making a very good point about medical insurance for accident victims under current minimum requirements for Kansas car insurance. The minimum of $4500. might just cover the life flight and landing on the helopad at KU Hospital. Once the patient goes through that door, we're talking over $100,000 depending on the extent of injuries and required stay in an intensive care unit. If there were extensive burns, even worse.

0

budwhysir 2 years, 5 months ago

I must have missed the part that covered what kind of insurance they carried

0

Ron Holzwarth 2 years, 5 months ago

This terrible accident is an excellent illustration of the terrific insufficiency in the medical portion requirement for car insurance in Kansas.

A lot of people carry only the minimum coverage in an attempt to save money. And, many people cannot purchase more than the minimum coverage because they are in the high risk pool, and coverage over the minimum is very, very expensive or not available at all.

From the Kansas Insurance Commissioner's webpage: http://www.ksinsurance.org/consumers/autoinfo.htm

Personal injury protection (PIP or No Fault) Minimum amount required by law: $4,500/person for medical expenses


From: http://www.wjhg.com/home/headlines/85584502.html "In Walton County, the base rate at lift off is $11,902.82, with a surcharge of $118.98 per mile." (although that is not from a source that applies to Kansas, I am sure that the cost is not significantly different)

There were two lifeflights for this one accident. $4,500 is the amount of medical insurance that is available for each person, if the minimum amount of insurance had been purchased for this particular vehicle. And, for some accidents, it is discovered afterwards that there had been no insurance purchased for the vehicle at all.

What is $4,500 subtracted from over $12,000? Multiply that by two, and you have the cost that will have to be paid by someone to get two of the victims just to get to the hospital.

Although, you could argue all day long about who exactly has to pay it. Blue Cross will pay a portion (but not nearly all) of the difference if you have a policy with them, the hospital may have to take it as a loss in which case hospital bills will have to be raised for everyone, or in the case of medical bankruptcy (which is not at all unlikely) as a result of this single accident, the creditors of the person responsible will have to pay it because the debts owed to them will be erased by the court action.

The above did not even mention the cost of hospital treatment for the two people that needed to be lifeflighted to the hospital. That will not be covered at all because all of the medical insurance will be used up to pay for far less than half of the transport cost to the hospital.

I am sure that the hospital bill will be very high for both of them, and it is likely there is no insurance left to cover it at all.

Bottom line: The minimum medical insurance requirement for car insurance policies in Kansas needs to be raised. And, not by just a little, but by a lot.

0

Commenting has been disabled for this item.