Prior to my accident I had done all of the right things to insure myself and my family against various things that can happen which could affect your family and your ability to support them if something were to occur. My insurance coverage has throughout been a godsend to our family that has allowed Monica to have time off work to help me through the most difficult stages of rehabilitation particularly whilst I was in hospital. The most important aspect of having insurance coverage during my time so far with this condition, is the removal of financial pressure on our relationship and our new way of life.

I had full income protection insurance including insurance against total permanent disability which is obviously what I am now confronted with. This insurance coverage allowed Monica and Ashley to be with me during the most difficult and trying times of this injury. This is how it should be if you were as a family faced with one of the members of your family dealing with this condition.

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I will be updating this page with some more information on the type of insurance coverage that has been beneficial to us in dealing with this ordeal. In the meantime, please feel free to contact my friend Bedri at www.thinkinsurance.com.

Another insurance issue that I will be looking to address is the lack of coverage for cyclists in the event of an accident on our roads. My accident involved another vehicle that made contact with me so I am covered by the Traffic and Accident Commission here in Victoria. If my accident occurred without the involvement of another vehicle I would not have been covered under the insurance that is covered through the registration of motor vehicles. I think there are ways that we can register cyclists to be road users and I’ll be working with various organisations and foundations to see if this can be addressed. Even if coverage is voluntary, I think most families would like the idea of coverage in the event of an accident of a family member whilst riding a bicycle on our roads.

Please feel free to send me an e-mail if you have questions or comments to do with any of these insurance products or insurance issues on Michael@michaelforbes.org.