HELP! Car insurance may go up (or SSI down) depending on how I answer disability questions...

>
> Hi, all. I have a situation. My car is mold contaminated & until I figure out what to do about that I can't drive it, anyway, BUT I don't want my car insurance rates to go up. The car ins. co. found out I am considered disabled (as of April, 2013), & is asking for my physician to answer the following questions:
>
> 1.Does your patient have any uncorrected eye vision problems that affect his/her ability to drive?
>
> 2. Are there any physical disabilities that might reduce driving ability (Paralysis, amputations, weaknesses, arthritis, etc.?) 
> (If yes, please describe & indicate how long he/she has been driving w/ this disability). 
>
> 3. Is your patient unable to drive safely due to impaired mental capacity or diminished alertness?
>
> 4. Is your patient on any medication that will adversely affect his/her ability to operate a motor vehicle? 
>
> 5. Are you aware of anything else about your patient that could affect his/her ability to drive safely (alcohol/drug problems, emotional problems, diabetes, epilepsy, etc.?) 
>
> I have YES ansers to many of these symptoms in my medical records, due to 21 years of Lyme & co-infections, so YES, I do have vision loss, temporary paralysis, seizures, PTSD, anxiety, major depression etc, but aside from the psychological diagnoses, testing does not find the other stuff, even tho it's very common in Lyme patients. My LYme doc back in Maine reported these things, but never saw me experience them (not even w/ 2 EEGs & a VERT), so if I see a physician out here in NM, they acknowledge the Lyme but none of it symptoms, & won't Rx anything for it. Conversely, I'm worried about having my GP answer a straight out "No" to all these questions, b/c descriptions of these symptoms helped me get the disability income I need (even tho it's not sufficient to live on, it helps). I don't want to lose or decrease that income just b/c I couldn't prove to the car insurance company that I had those symtptoms, or just because I didn't declare it to the car
>  insurance company b/c they do not affect my ability to drive (as I don't drive when I'm having those symptoms, duh!). Does anyone have any advice/suggestions relating to this? If so, I'm "all ears!" Please RSVP ASAP, as I want to schedule a ride to my doctor's ASAP. Thanks :)
>
> Love & blessings,
> Elysia
>
> [Non-text portions of this message have been removed]
>

>________________________________
> From: "[hidden email]" <[hidden email]>
>To: [hidden email]
>Sent: Tuesday, June 4, 2013 9:58:18 AM
>Subject: [eSens] Re: HELP! Car insurance may go up (or SSI down) depending on how I answer disability questions...
>
>
>Just tell them its not being driven currently , no milage
>or if your Dr answers, do you send in the paper or the Dr?
>If you , can just wait on it.
>Mostly sounds like rid the car and get another.
>Or is there a way to rid the mold (wonder if that enzyme stuff would work. There is an allergy store online that might have products to rid mold but then make sure its safe for you.
>
>
>
>--- In [hidden email], Elysia Drew <necessejamais@...> wrote:
>>
>> Hi, all. I have a situation. My car is mold contaminated & until I figure out what to do about that I can't drive it, anyway, BUT I don't want my car insurance rates to go up. The car ins. co. found out I am considered disabled (as of April, 2013), & is asking for my physician to answer the following questions:
>>
>> 1.Does your patient have any uncorrected eye vision problems that affect his/her ability to drive?
>>
>> 2. Are there any physical disabilities that might reduce driving ability (Paralysis, amputations, weaknesses, arthritis, etc.?) 
>> (If yes, please describe & indicate how long he/she has been driving w/ this disability). 
>>
>> 3. Is your patient unable to drive safely due to impaired mental capacity or diminished alertness?
>>
>> 4. Is your patient on any medication that will adversely affect his/her ability to operate a motor vehicle? 
>>
>> 5. Are you aware of anything else about your patient that could affect his/her ability to drive safely (alcohol/drug problems, emotional problems, diabetes, epilepsy, etc.?) 
>>
>> I have YES ansers to many of these symptoms in my medical records, due to 21 years of Lyme & co-infections, so YES, I do have vision loss, temporary paralysis, seizures, PTSD, anxiety, major depression etc, but aside from the psychological diagnoses, testing does not find the other stuff, even tho it's very common in Lyme patients. My LYme doc back in Maine reported these things, but never saw me experience them (not even w/ 2 EEGs & a VERT), so if I see a physician out here in NM, they acknowledge the Lyme but none of it symptoms, & won't Rx anything for it. Conversely, I'm worried about having my GP answer a straight out "No" to all these questions, b/c descriptions of these symptoms helped me get the disability income I need (even tho it's not sufficient to live on, it helps). I don't want to lose or decrease that income just b/c I couldn't prove to the car insurance company that I had those symtptoms, or just because I didn't declare it to the car
>>  insurance company b/c they do not affect my ability to drive (as I don't drive when I'm having those symptoms, duh!). Does anyone have any advice/suggestions relating to this? If so, I'm "all ears!" Please RSVP ASAP, as I want to schedule a ride to my doctor's ASAP. Thanks :)
>

>________________________________
> From: "[hidden email]" <[hidden email]>
>To: [hidden email]
>Sent: Tuesday, June 4, 2013 9:58:18 AM
>Subject: [eSens] Re: HELP! Car insurance may go up (or SSI down) depending on
>how I answer disability questions...
>
>
>Just tell them its not being driven currently , no milage
>or if your Dr answers, do you send in the paper or the Dr?
>If you , can just wait on it.
>Mostly sounds like rid the car and get another.
>Or is there a way to rid the mold (wonder if that enzyme stuff would work. There
>is an allergy store online that might have products to rid mold but then make
>sure its safe for you.
>
>
>
>--- In [hidden email], Elysia Drew <necessejamais@...> wrote:
>>
>> Hi, all. I have a situation. My car is mold contaminated & until I figure out
>>what to do about that I can't drive it, anyway, BUT I don't want my car
>>insurance rates to go up. The car ins. co. found out I am considered disabled
>>(as of April, 2013), & is asking for my physician to answer the following
>>questions:
>>
>> 1.Does your patient have any uncorrected eye vision problems that affect
>>his/her ability to drive?
>>
>> 2. Are there any physical disabilities that might reduce driving ability
>>(Paralysis, amputations, weaknesses, arthritis, etc.?) 
>> (If yes, please describe & indicate how long he/she has been driving w/ this
>>disability). 
>>
>> 3. Is your patient unable to drive safely due to impaired mental capacity or
>>diminished alertness?
>>
>> 4. Is your patient on any medication that will adversely affect his/her ability
>>to operate a motor vehicle? 
>>
>> 5. Are you aware of anything else about your patient that could affect his/her
>>ability to drive safely (alcohol/drug problems, emotional problems, diabetes,
>>epilepsy, etc.?) 
>>
>> I have YES ansers to many of these symptoms in my medical records, due to 21
>>years of Lyme & co-infections, so YES, I do have vision loss, temporary
>>paralysis, seizures, PTSD, anxiety, major depression etc, but aside from the
>>psychological diagnoses, testing does not find the other stuff, even tho it's
>>very common in Lyme patients. My LYme doc back in Maine reported these things,
>>but never saw me experience them (not even w/ 2 EEGs & a VERT), so if I see a
>>physician out here in NM, they acknowledge the Lyme but none of it symptoms, &
>>won't Rx anything for it. Conversely, I'm worried about having my GP answer a
>>straight out "No" to all these questions, b/c descriptions of these symptoms
>>helped me get the disability income I need (even tho it's not sufficient to live
>>on, it helps). I don't want to lose or decrease that income just b/c I couldn't
>>prove to the car insurance company that I had those symtptoms, or just because I
>>didn't declare it to the car
>>  insurance company b/c they do not affect my ability to drive (as I don't drive
>>when I'm having those symptoms, duh!). Does anyone have any advice/suggestions
>>relating to this? If so, I'm "all ears!" Please RSVP ASAP, as I want to schedule
>>a ride to my doctor's ASAP. Thanks :)
>